Stripe User Terms Update - December 15, 2023

On December 15, 2023, Stripe updated our Stripe Services Agreement and related terms which apply to the use of specific Stripe products in the US, UK, European Economic Area (EEA), and Switzerland. More information on these changes, including a summary of the most notable changes and when they take effect, is outlined below.

When will these changes go into effect?

For our existing users in the US, UK, EEA, and Switzerland, the updated Stripe Services Agreement and related terms will take effect on February 29, 2024 (except for Stripe Connect Platforms with Custom or Express Accounts in the US, UK, EEA, and Switzerland, and those Custom and Express Accounts, for whom the updated terms will take effect on March 31, 2024).

If you do not agree to the updated terms, you will need to stop using the Stripe Services, and close your Stripe account before these terms become effective. Your use of our products and services after the effective date will be subject to these updated terms.

The updated terms take effect immediately for new users.

As Tap to Pay on iPhone is a new service, the updated terms which enable Platforms to offer Tap to Pay on iPhone to their Connected Accounts take effect immediately.

Do I need to take action?

If you are okay with the updated terms, you don’t need to take any action, unless you are a Connect Platform user. If you are a Connect Platform user, see below.

I’m a Connect Platform User. What do I need to do?

If you use Connect and have Custom or Express accounts in the US, UK, EEA, or Switzerland, you are responsible for notifying these users of the updated terms, and we request you do so by January 31, 2024. We suggest you use your usual method of updating your users on important changes (e.g., by email). We recommend you send Custom and Express Accounts in the US, UK, EEA, and Switzerland a notice that includes the following information:

Stripe is updating its legal terms. You can read the Connected Account Agreement (incorporating the Stripe Services Agreement) here. The updates to the terms will take effect on March 31, 2024. No action is needed from you, but by continuing to use Stripe’s services on or after that date, you are agreeing to these updated terms.

If you use Connect with Standard accounts, we’ve handled the communication for you by letting affected users know about the changes.

Connect Platforms based outside the US, UK, EEA, and Switzerland: If you are a Connect Platform user based outside of the US, UK, EEA, or Switzerland, the updated terms do not apply to your use of Stripe (and your existing terms remain applicable), but you are responsible for notifying your Custom and Express accounts in the US, UK, EEA, or Switzerland of the updated terms as mentioned above.

What is changing?

Some of the most notable changes include:

  1. Data Processing Agreement. Stripe is certified under the EU-US Data Privacy Framework (EU-US DPF). We’ve updated our Data Processing Agreement (DPA) to reflect our adoption of the EU-US DPF and the UK Extension to the EU-US DPF. Provisions relating to the lawful transfer of personal data from the EEA, the UK and Switzerland to the US are now located in the Data Transfer Addendum. Finally, we’ve provided greater clarity on our processing activities as a data controller to assist you with your transparency obligations. You can learn more about Stripe’s data processing activities by reading the DPA and by visiting the Stripe Privacy Policy and Stripe Privacy Center.
  2. Stripe Payments Services Terms. We’ve provided more clarity on your responsibilities to Stripe’s financial partners, including the Card Networks and Stripe’s BIN sponsors in the US, and how we hold funds before making payouts to you. We’ve also added more information to our US terms about your responsibilities when using Stripe for MOTO (mail order or over the telephone) transactions and merchant initiated transactions.
  3. Stripe Connect Services Terms and Connected Account Agreement. We’ve clarified the obligations on Connect Platforms in the US with respect to their Payout Recipients, provided more transparency around how Stripe issues Tax Information Reports for Connected Accounts, and added more information on our respective data use rights and obligations, including how we share and use data of Connected Accounts. In our Connected Account Agreement in the UK, EEA and Switzerland, we’ve made it easier to understand the roles played by the relevant Stripe entities.
  4. Stripe Issuing Terms. We’ve updated the Stripe Issuing Platform Terms in the US to account for new obligations and restrictions that Regulation Z imposes on platforms that make Stripe Issuing Services available to their users. We’ve also updated the Stripe Issuing Accountholder Terms and Stripe Issuing Platform Terms in the UK, EEA, and Switzerland to further clarify each party’s roles and responsibilities, including in relation to disputed transactions.
  5. Stripe’s Terminal - Platform Services Terms. Our updates enable Platforms to offer Tap to Pay on iPhone to their connected accounts in Australia, the US, and the UK. As Tap to Pay on iPhone is a new service, the applicable terms take effect immediately.  

Financial Partner Terms

US Acquirer Terms

We’ve added Goldman Sachs as an additional acquiring bank for Visa and Mastercard transactions in the US, and the Goldman Sachs Acquirer Terms apply to the services provided to you in partnership with Goldman Sachs. Our acquiring bank partners allow Stripe to connect to the Visa and Mastercard networks and process your Visa and Mastercard transactions. Goldman Sachs will supplement our existing acquiring bank partners in the US.

Why did I get this notice?

When we update these legal terms, we’re required to send a legal notice to all affected Stripe users, even if you have unsubscribed from our marketing messages. As a Stripe user, you can’t unsubscribe from legal notices.

Does this update affect other terms I have agreed to with Stripe?

You can find our updated terms which are labeled as “Last updated: December 15, 2023” at If you have agreed to other terms with Stripe for the use of a Stripe Service which take precedence over these online terms, those other terms are unaffected by this change.

Where can I see the prior version of these terms?

The prior version of the terms for the US are here, EEA are here, and for the UK and Switzerland are here.

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