Stripe
Stripe Services Agreement, Privacy Policy, DPA
Stripe is a payment processing and financial infrastructure platform that lets businesses accept payments, manage subscriptions, send payouts, and run online commerce operations.
Analyzed May 21, 2026
Key findings
Summary
Stripe's terms are typical of a large B2B financial platform: broad company discretion to suspend/terminate accounts, hold reserves, and modify terms, combined with mandatory arbitration with a class-action waiver in many jurisdictions. Data collection is extensive, including biometric identity verification and Third Party Data, and Personal Data is shared with business users, financial partners, and advertising partners. Liability is capped and disclaimers are broad, consistent with standard enterprise SaaS/financial agreements.
Category Breakdown
Stripe collects extensive transaction, identity, and biometric data, including facial recognition data for identity verification, though users can consent separately and revoke it.
From: PRIVACY POLICYYou can separately consent to us using your biometric data to enhance our verification technology, with the option to revoke your consent at any time.View source document
Stripe shares personal data with business users, financial partners, and third-party advertising partners for interest-based advertising, though it states it does not sell data for payment.
From: PRIVACY POLICYwe use and share End User Personal Data with third party partners to allow us to advertise our End User Services to you, including through interest-based advertising, and to track the efficacy of such ads.View source document
Stripe requires a perpetual, irrevocable license to any Content users provide, extending beyond mere service operation to Stripe's internal business purposes.
From: TERMS OF SERVICEUser grants to Stripe, on behalf of itself and its Affiliates, a perpetual, worldwide, non-exclusive, irrevocable, royalty-free license to use the Content to develop, improve, and provide Services and Stripe Technology and for Stripe’s internal business purposes.View source document
Stripe may terminate the agreement or close a user's account at any time for convenience, with only notice required and no guaranteed refund or appeal process.
From: TERMS OF SERVICEUnless otherwise agreed in writing, Stripe may terminate this Agreement or close User’s Stripe Account at any time. Stripe will notify User in accordance with Law.View source document
Mandatory binding arbitration with a class-action waiver applies in many jurisdictions (e.g., US via AAA), with a defined informal dispute resolution/notice process, though no opt-out is explicitly offered and small claims carveouts are not addressed.
From: TERMS OF SERVICEDisputes between User and Stripe are subject to a class action waiver and will be resolved by individual binding arbitration, except as stated otherwise in this Agreement.View source document
Subscriptions auto-renew and fees are generally non-refundable, with Stripe able to revise fees or subscription plans on 30 days notice, which is standard for B2B billing platforms.
From: TERMS OF SERVICEUnless User and Stripe otherwise agree in writing or if Law requires, payment obligations are non-cancelable and Fees paid are non-refundable.View source document