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Such consent must be in a form and manner that complies with the NACHA Operating Rules and the Documentation for ACH Transactions. As with other Payment Processing Services, you may not, and may not attempt to send or receive funds to or from a person, entity, or state where such Transactions are prohibited by applicable Law. You also agree to maintain the security and integrity of all information you collect as part of an ACH Transaction. Any Disputes or unauthorized Charges using the ACH network may result in you becoming unable to accept ACH payments.

Money transmission. Certain services offered as part of the Services are money transmission within the meaning of Laws that apply to those Services. To the extent that your use of the Services is money transmission or similarly regulated services, those Services are provided to you by Stripe Payments Company, and not by Stripe, Inc. Please review the Stripe Payments Company Terms carefully, as those are the Financial Services Terms applicable to the Services provided by Stripe Payments Company.

American Express conversion. If your American Express Transaction volume exceeds a threshold amount set by a American Express, American Express may convert you to a direct American Express merchant, which means that your acceptance of American Express Transactions will be governed by American Express then-current Card Acceptance Agreement, and your pricing and other fees for the acceptance of American Express Transactions will be directly agreed between you and American Express.

In the event of such conversion, your relationship with Stripe will not be otherwise affected, and Stripe will continue to process your American Express Transactions in accordance with this Agreement. Settlement and Payout Schedule. Your Payout Account Stripe will, with its banking partners, arrange to settle funds to the bank or other financial institution account that you designate your Payout Account.

You affirm that you are authorized to initiate settlements to and debits from the Payout Account, and that the Payout Account is owned by you, titled in your legal or trade name, and administered and managed by a financial institution located in the United States of America. If you update your Payout Account including via the Dashboard then you must ensure that you continue to comply with the requirements of this section.

We may require you to provide us with documentary proof demonstrating your compliance with this section, and your failure to provide such proof will constitute a breach of this Agreement. Settlement to Your Payout Account A positive balance in your Stripe Account will result in settlement to your Payout Account and a negative balance in your Stripe Account will result in a deduction, set-off and or debit of the amounts owed in accordance with Section C.

We may reduce the amount settled to your Payout Account by the amount of Fees, Fines, and amounts owed to us for any reason. If a settlement or debit is processed via ACH, you acknowledge that the NACHA Operating Rules will apply to the settlement or debit, and you agree to be bound by these rules. Settlement to third party recipients We may offer you the ability to have funds settled to another person a third party recipient as instructed by you to Stripe including by transferring all or part of the positive balance in your Stripe Account to the Stripe Account of such third party recipientinstead of settling funds to your Payout Account.

If Stripe or Stripe Payment Company settles funds to a third party recipient or transfers all or part of the balance in your Stripe Account to the Stripe Account of a third party recipient as instructed by you, you agree that this satisfies Stripe s and Stripe Payment Company s obligations and any applicable Payment Method Provider s and Payment Method Acquirer s obligations to settle funds to you, and we will promptly update your Stripe Account balance to reflect such settlement or transfer. Multi-currency Processing.

We may offer you the ability to have funds settled to your Payout Account in a currency different from the one in which you accepted payment from a customer Multi-Currency Processing. To use this service, you must provide us with a valid Payout Account for each currency for which you request settlement, based on our list of available settlement currencies. We may add or remove currencies from our list of available settlement currencies at any time.

If you use Multi-Currency Processing, we will identify at the time of the Charge for example, through the APIthe conversion rate that will apply to the Charge. If you Refund a Charge, the conversion rate that will apply will be the rate in effect at the time of the Refund, not the Charge. By submitting a Charge or Refund you will be deemed to have accepted the applicable conversion rate. You may choose not to use the Multi-Currency Processing service at any time.

You may also change the Payout Account information or other settings associated with your use of Multi-Currency Processing, but any such changes will only affect subsequent Charges. Payout Schedule The term Payout Schedule refers to the time it takes for us to initiate settlement to your Payout Account. Your Payout Schedule is specified in the Dashboard. Stripe may require a holding period before making initial settlement to the Payout Account.

After the initial settlement of funds, we will settle funds to the Payout Account according to the Payout Schedule; however, please be aware that a Payment Method Provider, a Payment Method Acquirer, or the financial institution holding your Payout Account, may delay settlement for any reason. We are not responsible for any action taken by the institution holding your Payout Account to not credit the Payout Account or to otherwise not make funds available to you as you expected. We reserve the right to change the Payout Schedule or to suspend settlement to you.

Examples of situations where we may do so are i where there are pending, anticipated, or excessive Disputes, Refunds, or Reversals; ii in the event that we suspect or become aware of suspicious activity; or iii where we are required by Law or court order. We have the right to withhold settlement to your Payout Account upon termination of this Agreement if we reasonably determine that we may incur losses resulting from credit, fraud, or other legal risks associated with your Stripe Account.

If we exercise our right to withhold a Payout for any reason, we will communicate the general reason for withholding the Payout and give you a timeline for releasing the funds. Incorrect Settlement The information required for settlement will depend on the financial institution holding the Payout Account. Please make sure that any information about the Payout Accounts that you provide to us is accurate and complete.

If you provide us with incorrect information i you understand that funds may be settled to the wrong account and that we may not be able to recover the funds from such incorrect transactions and ii you agree that you are solely responsible for any losses you or third parties incur due to erroneous settlement transactions, you will not make any claims against us related to such erroneous settlement transactions, and you will fully reimburse us for any losses we incur. Clearing Funds and Reserves.

All funds resulting from Charges are held in pooled clearing accounts the Clearing Accounts with our banking partners. We will settle funds to and from the Clearing Accounts in the manner described in this Agreement; however, you have no rights to the Clearing Accounts or to any funds held in the Clearing Accounts, you are not entitled to draw funds from the Clearing Accounts, and you will not receive interest from funds maintained in the Clearing Accounts.

In certain circumstances, we may require you to place funds in reserve or to impose conditions on the release of funds each a Reserve. We may impose a Reserve on you for any reason if we determine that the risk of loss to Stripe, Customers, or others associated with your Stripe Account is higher than normal.

For example, we may hold a Reserve if i your or your Customers activities increase the risk of loss to us or to your Customers, ii you have violated or are likely to violate this Agreement, or iii your Stripe Account has an elevated or abnormally high number of Disputes. If we impose a Reserve, we will establish the terms of the Reserve and provide you Notice of the amount, timing, and conditions upon which the funds in the Reserve will be released to you.

In many cases, the Reserve amount will be the entire amount of Charges processed using the Payment Processing Services. We may change or condition the terms of the Reserve based on our continuous assessment and understanding of the risks associated with your Stripe Account, if required to do so by Payment Method Providers or Payment Method Acquirers, or for any other reason. We may fund the Reserve with funds processed through your use of Payment Processing Services, by debiting the Payout Account or another bank account associated with your Stripe Account, or by requesting funds directly from you.

To the extent possible, we prefer to identify the necessity for a Reserve in advance of establishing one. If you are concerned that we will impose a Reserve on you due to the nature of your business activities, please contact us before using the Services. Security Interests, Collection, and Set-Off Rights. Security Interests You grant us a lien and security interest in all funds for Transactions that we process for you, including funds that we deposit into your Payout Accounts, as well as funds held in any other bank accounts to which such Transaction funds are deposited or transferred.

This means that if you have not paid funds that you owe to us, your Customers, or to any of our affiliates, we have a right superior to the rights of any of your other creditors to seize or withhold funds owed to you for Transactions that we process through the Services, and to debit or withdraw funds from any bank account associated with your Stripe Account including your Payout Accounts. Upon our request, you will execute and deliver any documents and pay any associated fees we consider necessary to create, perfect, and maintain a security interest in such funds such as the filing of a form UCC-1.

Collection and Set-Off Rights You agree to pay all amounts owed to us and to our affiliates on demand. Your failure to pay amounts owed to us or to our affiliates under this Agreement is a breach and you will be liable for any costs we incur during collection in addition to the amount you owe. Collection costs may include, attorneys fees and expenses, costs of any arbitration or court proceeding, collection agency fees, any applicable interest, and any other related cost. Where possible, we will first attempt to collect or set-off amounts owed to us and to or affiliates from balances in your Stripe Accounts from your use of the Payment Processing Services or from funds that we hold in Reserve.

However, we may collect any amounts you owe us under this Agreement by deducting or setting-off amounts that you owe from the Stripe account balance or debiting the payout account for such Stripe account for any Stripe account that we determine, acting reasonably, is associated with your Stripe Account. Similarly, we may deduct or set-off amounts from your Stripe Account balance or debit your Payout Accounts in order to collect amounts owed to us in relation to such associated Stripe accounts.

In certain circumstances, we may require a personal, parent or other guarantee a Guarantee from a user s principal, owner, or other guarantor. A Guarantee consists of a legally binding promise by an individual or an entity to pay any amounts the user owes in the event that the user is unable to pay. If we require you to provide us with a Guarantee, we will specifically inform you of the amount of, and the reasons for the Guarantee.

If you are unable to provide such a Guarantee when required, you will not be permitted to use the Services. Reconciliation and Error Notification. The Dashboard contains details of Charges, Charge history, and other activity on your Stripe Account. Except as required by Law, you are solely responsible for reconciling the information in the Dashboard generated by your use of Payment Processing Services with your records of Customer Transactions, and for identifying any errors.

You agree to review your Stripe Account and immediately notify us of any errors. We will investigate any reported errors, including any errors made by Stripe or a Payment Method Provider, and, when appropriate, attempt to rectify them by crediting or debiting the Payout Account identified in the Dashboard. However, you should be aware that your ability to recover funds you have lost due to an error may be very limited or even impossible, particularly if we did not cause the error, or if funds are no longer available in any Payout Account.

For Transaction errors, we will work with you and our Payment Method Providers to correct a Transaction error in accordance with the applicable Payment Method Rules. If you fail to communicate an error to us for our review without undue delay and, in any event, within 60 days after you discovered it and flagged it in the Dashboard, you waive your right to make any claim against us or our Payment Method Providers for any amounts associated with the error.

Dormant Accounts. If you leave any funds dormant in a Stripe Account and you do not give us instructions where to send them, we may be required by Law to deem the funds to be abandoned by you, and to deliver them to various government agencies. To the extent required by Law, we will attempt to provide you Notice if we hold funds payable to you in an account beyond the applicable dormancy period for abandoned property.

If we are unable to contact you, we will treat the funds in your Stripe Account to be abandoned, and will deliver them to the appropriate government authority such as the California Controller s Office. Section D Data Usage, Privacy, and Security. Data Usage Overview. Protecting, securing, and maintaining the information processed and handled through the Services is one of our top priorities, and it should be yours too.

This section describes our respective obligations when handling and storing information connected with the Services. The following terms used in this section relate to data provided to Stripe by you or your Customers, or received or accessed by you through your use of the Services. Payment Account Details means the Payment Method account details for a Customer, and includes, with respect to credit and debit cards, the cardholder s account number, card expiration date, and CVV2.

Payment Data means Payment Account Details, information communicated to or by Payment Method Provider or Payment Method Acquirer, financial information specifically regulated by Laws and Payment Method Rules, and any other information used with the Payment Processing Services to complete a Transaction. Personal Data means information that identifies a specific living person not a company, legal entity, or machine and is transmitted to or accessible through the Services.

Stripe Data means details of the API transactions over Stripe infrastructure, information used in fraud detection and analysis, aggregated or anonymized information generated from Data, and any other information created by or originating from Stripe or the Services. User Data means information that describes your business and its operations, your products or services, and orders placed by Customers. The term Data used without a modifier means all Personal Data, User Data, Payment Data, and Stripe Data.

Stripe processes, analyzes, and manages Data to a provide Services to you, other Stripe users, and Customers; b mitigate fraud, financial loss, or other harm to users, Customers and Stripe; and c analyze, develop and improve our products, systems, and tools. Stripe provides Data to third-party service providers, including Payment Method Providers, Payment Method Acquirers, and their respective affiliates, as well as to Stripe s affiliates, to allow us to provide Services to you and other users.

We do not provide Personal Data to unaffiliated parties for marketing their products to you. You understand and consent to Stripe s use of Data for the purposes and in a manner consistent with this Section D. Data Protection and Privacy. Confidentiality Stripe will only use User Data as permitted by this Agreement, by other agreements between you and us, or as otherwise directed or authorized by you.

You will protect all Data you receive through the Services, and you may not disclose or distribute any such Data, and you will only use such Data in conjunction with the Services and as permitted by this Agreement or by other agreements between you and us. Neither party may use any Personal Data to market to Customers unless it has received the express consent from a specific Customer to do so. You may not disclose Payment Data to others except in connection with processing Transactions requested by Customers and consistent with applicable Laws and Payment Method Rules.

Privacy Protection of Personal Data is very important to us. Our Privacy Policy explains how and for what purposes we collect, use, retain, disclose, and safeguard the Personal Data you provide to us. You agree to the terms of our Privacy Policy, which we may update from time to time. You affirm that you are now and will continue to be compliant with all applicable Laws governing the privacy, protection, and your use of Data that you provide to us or access through your use of the Services.

You also affirm that you have obtained all necessary rights and consents under applicable Laws to disclose to Stripe or allow Stripe to collect, use, retain, and disclose any Personal Data that you provide to us or authorize us to collect, including Data that we may collect directly from Customers using cookies or other similar means.

As may be required by Law and in connection with this Agreement, you are solely responsible for disclosing to Customers that Stripe processes Transactions including payment Transactions for you and may receive Personal Data from you. Additionally, where required by Law or Payment Method Rules, we may delete or disconnect a Customer s Personal Data from your Stripe Account when requested to do so by the Customer. If we become aware of an unauthorized acquisition, disclosure or loss of Customer Personal Data on our systems, we will notify you consistent with our obligations under applicable Law.

We will also notify you and provide you sufficient information regarding the unauthorized acquisition, disclosure or loss to help you mitigate any negative impact on the Customer. PCI Compliance If you use Payment Processing Services to accept payment card Transactions, you must comply with the Payment Card Industry Data Security Standards PCI-DSS and, if applicable to your business, the Payment Application Data Security Standards PA-DSS collectively, the PCI Standards.

The PCI Standards include requirements to maintain materials or records that contains payment card or Transaction data in a safe and secure manner with access limited to authorized personnel. Stripe provides tools to simplify your compliance with the PCI Standards, but you must ensure that your business is compliant.

The specific steps you will need to take to comply with the PCI Standards will depend on your implementation of the Payment Processing Services. You can find more information about implementing Stripe in a manner compliant with the PCI Standards in our Documentation. You will promptly provide us, iq option site any applicable Payment Method Provider or Payment Method Acquirer, with documentation demonstrating your compliance with the PCI Standards upon our request.

If you are unable to provide documentation sufficient to satisfy us, the Payment Method Providers, or their Payment Method Acquirers, that you are compliant with the PCI Standards, then Stripe, and any applicable Payment Method Provider or Payment Method Acquirers, may access your business premises on reasonable notice to verify your compliance with the PCI Standards.

If you elect to store or hold Account Dataas defined by the PCI Standards including Customer card account number or expiration dateyou must maintain a system that is compliant with the PCI Standards. If you do not comply with the PCI Standards, or if we or any Payment Method Provider or Payment Method Acquirer are unable to verify your compliance with the PCI Standards, we may suspend your Stripe Account or terminate this Agreement.

If you intend to use a third party service provider to store or transmit Account Data, you must not share any data with the service provider until you verify that the third party holds sufficient certifications under the PCI Standards, and notify us of your intention to share Account Data with the service provider. Further, you agree to never store or hold any Sensitive Authentication Dataas defined by the PCI Standards including CVC or CVV2at any time.

You can find information about the PCI Standards on the PCI Council s website. Security and Fraud Controls. Stripe s Security Stripe is responsible for protecting the security of Data in our possession. We will maintain commercially reasonable administrative, technical, and physical procedures to protect User Data and Personal Data stored in our servers from unauthorized access, accidental loss, modification, or breach, and we will comply with applicable Laws and Payment Method Rules when we handle User and Personal Data.

However, no security system is impenetrable and we cannot guarantee that unauthorized parties will never be able to defeat our security measures or misuse any Data in our possession. You provide User Data and Personal Data to Stripe with the understanding that any security measures we provide may not be appropriate or adequate for your business, and you agree to implement Security Controls as defined below and any additional controls that meet your specific requirements.

In our sole discretion, we may take any action, including suspension of your Stripe Account, to maintain the integrity and security of the Services or Data, or to prevent harm to you, us, Customers, or others. You waive any right to make a claim against us for losses you incur that may result from such actions.

Your Security You are solely responsible for the security of any Data on your website, your servers, in your possession, or that you are otherwise authorized to access or handle. You will comply with applicable Laws and Payment Iq option site Rules when handling or maintaining User Data and Personal Data, and will provide evidence of your compliance to us upon our request.

If you do not provide evidence of such compliance to our satisfaction, we may suspend your Stripe Account or terminate this Agreement. Security Controls You are responsible for assessing the security requirements of your business, and selecting and implementing security procedures and controls Security Controls appropriate to mitigate your exposure to security incidents. We may provide Security Controls as part of the Services, or suggest that you implement specific Security Controls.

However, your responsibility for securing your business is not diminished by any Security Controls that we provide or suggest, and if you believe that the Security Controls we provide are insufficient, then you must separately implement additional controls that meet your requirements. You may review some of the details of our Security Controls on our website. Fraud Risk While we may provide or suggest Security Controls, we cannot guarantee that you or Customers will never become victims of fraud.

Any Security Controls we provide or suggest may include processes or applications developed by Stripe, its affiliates, or other companies. You agree to review all the Security Controls we suggest and choose those that are appropriate for your business to protect against unauthorized Transactions and, if appropriate for your business, independently implement other security procedures and controls not provided by us.

If you disable or fail to properly use Security Controls, you will increase the likelihood of unauthorized Transactions, Disputes, fraud, losses, and other similar occurrences. Keep in mind that you are solely responsible for losses you incur from the use of lost or stolen payment credentials or accounts by fraudsters who engage in fraudulent Transactions with you, and your failure to implement Security Controls will only increase the risk of fraud. We may assist you with recovering lost funds, but you are solely responsible for losses due to lost or stolen credentials or accounts, compromise of your username or password, changes to your Payout Account, and any other unauthorized use or modification of your Stripe Account.

Stripe is not liable or responsible to you and you waive any right to bring a claim against us for any losses that result from the use of lost or stolen credentials or unauthorized use or modification of your Stripe Account, unless such losses result from Stripe s willful or intentional actions. Further, you will fully reimburse us for any losses we incur that result from the use of lost or stolen credentials or accounts.

We may also provide you with Data regarding the possibility or likelihood that a Transaction may be fraudulent. We may incorporate any subsequent action or inaction by you into our fraud model, for the purpose of identifying future potential fraud. You understand that we provide this Data to you for your consideration, but that you are ultimately responsible for any actions you choose to take or not take in relation to such Data. Your Use of Data with Stripe Connect and Stripe Relay. When using Stripe Connect or Stripe Relay, you will have the ability to connect your Stripe Account with a Platform or App.

Connected Platforms and Apps may take certain actions on your behalf and access Data available through your Stripe Account, including some User Data. By using Stripe Connect or Stripe Relay, you authorize Stripe to share Data with any Platform or App that you connect with your Stripe Account through the Dashboard or the API.

You also understand that at any point you may disallow any such sharing by removing the Platform or App from your Stripe Account. You waive your right to bring any claims against Stripe for losses you incur that arise from any actions or use of Data by any Platform or App connected to your Stripe Account, and you will fully reimburse us for any losses we incur that result from your actions or use of such Data by any Platform or App. Provision of Payment Account Details upon Termination.

For 30 days after termination of your Stripe Account, you may request in writing that we provide to an alternative payment services provider the Payment Account Details regarding Transactions between you and your Customers that you are entitled to receive. We may require you to provide evidence that the alternative payment services provider has appropriate systems and controls as a precondition to the provision of any Payment Account Details.

In addition, for Payment Account Details regarding payment card transactions, the payment services provider must be a PCI-DSS Level 1-certified. Our obligation to comply with a request under this section is limited to the extent commercially reasonable, and we may delay or refuse any request if we believe the payment services provider you have identified does not have systems or controls in place that are sufficient to protect Payment Account Details, that the integrity of Payment Account Details may be compromised, or if Laws or Payment Method Rules prohibit us from providing the Payment Account Details.

Section E Additional Legal Terms. Right to Amend. We have the right to change or add to the terms of this Agreement at any time, solely with prospective effect, and to change, delete, discontinue, or impose conditions on use of the Services by posting such changes on our website or any other website we maintain or own. We will provide you with Notice of any changes through the Dashboard, via email, or through other reasonable means.

If you are an existing Stripe user, the changes will come into effect 10 days after we post the changes to our website, and your use of the Services, API, or Data more than 10 days after we publish any such changes on our website, constitutes your acceptance of the terms of the modified Agreement. You can access a copy of the current terms of this Agreement on our website at any time.

You can find out when this Agreement was last changed by checking the Last updated date at the top of the Agreement. You may not assign this Agreement, any rights or licenses granted in this Agreement, or operation of your Stripe Account to others without our prior written consent. If you wish to make such an assignment, please contact us. If we consent to the assignment, the assignee must agree to assume all of your rights and obligations owed by you related to the assignment, and must agree to comply with the terms of this Agreement.

Stripe may assign this Agreement without your consent or any other restriction. If we make an assignment, we will provide reasonable Notice to you. Right to Audit. If we believe that a security breach, leak, loss, or compromise of Data has occurred on your systems, website, or app affecting your compliance with this Agreement, we may require you to permit a third-party auditor approved by us to conduct a security audit of your systems and facilities, and you must fully cooperate with any requests for information or assistance that the auditor makes to you as part of the security audit.

The auditor will issue a report to us which we may share with our Payment Method Providers and Payment Methods Acquirers. No Agency; Third-Party Services. Except as expressly stated in this Agreement, nothing in this Agreement serves to establish a partnership, joint venture, or other agency relationship between you and us, or with any Payment Method Provider. Each party to this Agreement, and each Payment Method Provider, is an independent contractor. Unless a Payment Method Provider expressly agrees, neither you nor we have the ability to bind a Payment Method Provider to any contract or obligation, and neither party will represent that you or we have such an ability.

We may reference or provide access to third-party services, products, and promotions that utilize, integrate, or provide ancillary services to the Services Third-Party Services. These Third-Party Services are provided for your convenience only and do not constitute our approval, endorsement, or recommendation of any such Third-Party Services for you. You access and use any Third-Party Service based on your own evaluation and at your own risk.

You understand that your use of any Third-Party Service is not governed by this Agreement. If you decide to use a Third-Party Service, you will be responsible for reviewing, understanding and accepting the terms and conditions associated with its use. We expressly disclaim all responsibility and liability for your use of any Third-Party Service. Please also remember that when you use a Third-Party Service, our Privacy Policy is no longer in effect.

Your use of a Third-Party Service, including those that have a link on our website, is subject to that Third-Party Service s own terms of use and privacy policies. Neither party will be liable for any delays in processing or other nonperformance caused by telecommunications, utility, failures, or equipment failures; labor strife, riots, war, or terrorist attacks; nonperformance of our vendors or suppliers, fires or acts of nature; or any other event over which the respective party has no reasonable control.

However, nothing in this section will affect or excuse your liabilities or your obligation to pay Fees, Fines, Disputes, Refunds, Reversals, or Returns under this Agreement. Your Liability For Third-Party Claims Against Us. Without limiting, and in addition to, any other obligation that you may owe under this Agreement, you are at all times responsible for the acts and omissions of your employees, contractors and agents, to the extent such persons are acting within the scope of their relationship with you.

You agree to defend Stripe, our affiliates, and their respective employees, agents, and service providers each a Stripe Entity against any claim, suit, demand, loss, liability, damage, action, or proceeding each, a Claim brought by a third party against a Stripe Entity, and you agree to fully reimburse the Stripe Entities for any Claims that results from i your breach of any provision of this Agreement; ii any Fees, Fines, Disputes, Refunds, Reversals, Returns, or any other liability we incur that results from your use of the Services; iii your negligent or willful misconduct, or the negligent or willful misconduct of your employees, contractors, or agents; or iv contractual or other relationships between you and Customers.

Important Note for Sole Proprietors If you are using Services as a sole proprietor, please keep in mind that the Law and the terms of this Agreement consider you and your business to be legally one and the same. You are personally responsible and liable for your use of the Services, payment of Fees, Refunds, Reversals, Fines, losses based on Disputes or fraud, or for any other amounts you owe under this Agreement for your failure to use Security Controls, and for all other obligations to us and to your Customers.

You risk personal financial loss if you fail to pay any amounts owed. Please take the time to read our Documentation and take any measures appropriate to protect against such losses. By accepting the terms of this Agreement, you represent and warrant that a you are eligible to register and use the Services and have the authority to execute and perform the obligations required by this Agreement; b any information you provide us about your business, products, or services is accurate and complete; c any Charges represent a Transaction for permitted products, services, or donations, and any related information accurately describes the Transaction; d you will fulfill all of your obligations to Customers and will resolve all Disputes with them; e you will comply with all Laws applicable to your business and use of the Services; f your employees, contractors and agents will at all times act consistently with the terms of this Agreement; g you will not use Payment Processing Services for personal, family or household purposes, for peer-to-peer money transmission, or except in the normal course of business intercompany Transactions; and h you will not use the Services, directly or indirectly, for any fraudulent or illegal undertaking, or in any manner that interferes with the normal operation of the Services.




Under no circumstances will any Stripe Entity be responsible or liable to you for any indirect, punitive, incidental, special, consequential, or exemplary damages resulting from your use or inability to use the Services or for the unavailability of the Services, for lost profits, personal injury, or property damage, or for any other damages arising out of, in connection with, or relating to this Agreement or your use of the Services, even if such damages are foreseeable, and whether or not you or the Stripe Entities have been advised of the possibility of such damages.

The Stripe Entities are not liable, and deny responsibility for, any damages, harm, or losses to you arising from or relating to hacking, tampering, or other unauthorized access or use of the Services, your Stripe Account, or Data, or your failure to use or implement anti-fraud measures, Security Controls, or any other data security measure. The Stripe Entities further deny responsibility for all liability and damages to you or others caused by a your access or use of the Services inconsistent with the Documentation; b any unauthorized access of servers, infrastructure, or Data used in connection with the Services; c interruptions to or cessation of the Services; d any bugs, viruses, or other harmful code that may be transmitted to or through the Services; e any errors, inaccuracies, omissions, or losses in or to any Data provided to us; f third-party content provided by you; or g the defamatory, offensive, or illegal conduct of others.

You agree to limit any additional liability not disclaimed or denied by the Stripe Entities under this Agreement to your direct and documented damages; and you further agree that under no circumstances will any such liability exceed in the aggregate the amount of Fees paid by you to Stripe during the three-month period immediately preceding the event that gave rise to your claim for damages. The limitation of liability in the preceding sentence will not apply to claims by you against Stripe for failure to settle any payment processing proceeds received by Stripe or Stripe Payments Company and owed to you in connection with the Payment Processing Services; in the case of such a claim, you agree the Stripe Entities liability is limited to the amount of payment processing proceeds that Stripe or Stripe Payments Company has received and owes to you, but failed to settle to you, in connection with the Payment Processing Services.

These limitations on our liability to you will apply regardless of the legal theory on which your claim is based, including contract, tort including negligencestrict liability, or any other theory or basis. We provide the Services from facilities in the United States. We do not claim, and we cannot guarantee that Services we provide from the United States are or will be appropriate or available for any other location or jurisdiction, comply with the Laws of any other location or jurisdiction, or comply with Laws governing export, import, or foreign use.

Responding to Legal Process. Stripe may respond to and comply with any writ of iq option site, lien, levy, subpoena, warrant, or other legal order Legal Process that we believe to be valid. We or any Payment Method Provider including, where applicable, the Payment Method Acquirer for the Payment Method may deliver or hold any funds or, subject to the terms of our Privacy Policy, any Data as required under such Legal Process, even if you are receiving funds or Data on behalf of other parties.

Where permitted by Law, we will make reasonable efforts to provide you Notice of such Legal Process by sending a copy to the email address we have on file for you. Stripe is not responsible for any losses, whether direct or indirect, that you may incur as a result of our response or compliance with a Legal Process. Dispute Resolution; Agreement to Arbitrate. Binding Arbitration In the event that there is a dispute, claim or controversy arising out of or relating to statutory or common law claims, the breach, termination, enforcement, interpretation or validity of any provision of this Agreement, and the determination of the scope or applicability of your agreement to arbitrate any dispute, claim or controversy originating from this Agreement, but specifically excluding any dispute principally related to either party s intellectual property which such dispute will be resolved in litigation before the United States District Court for the Northern District of Californiawill be determined by arbitration in San Francisco, California before a single arbitrator.

The arbitration will be administered by the American Arbitration Association under its Commercial Arbitration Rules. The Expedited Procedures of the American Arbitration Association s Commercial Arbitration Rules will apply for cases in which no disclosed claim or counterclaim exceeds 75,000 exclusive of interest, attorneys fees and arbitration fees and costs.

Where no party s claim exceeds 25,000 exclusive of interest, attorneys fees and arbitration fees and costsand in other cases in which the parties agree, Section E-6 of the Expedited Procedures of the American Arbitration Association s Commercial Arbitration Rules will apply. The arbitrator will apply the substantive law of the State of California, exclusive of its conflict or choice of law rules. If the American Arbitration Association is no longer in business, or refuses or declines to administer any dispute between the parties brought before it, either party may petition the United States District Court for the Northern District of California to appoint the arbitrator.

Nothing in this paragraph will preclude the parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The parties acknowledge that this Agreement evidences a transaction involving interstate commerce. Notwithstanding the provisions in this paragraph referencing applicable substantive law, the Federal Arbitration Act 9 U. 1-16 will govern any arbitration conducted pursuant to the terms of this Agreement.

Either party may commence arbitration by providing to the American Arbitration Association and the other party to the dispute a written demand for arbitration, setting forth the subject of the dispute and the relief requested. Service of Process Each party hereby irrevocably and unconditionally consents to service of process through personal service at their corporate headquarters, registered address, or primary address for individuals or sole proprietors.

Nothing in this Agreement will affect the right of any party to serve process in any other manner permitted by Law. Class Waiver To the fullest extent permitted by Law, each of the parties agrees that any dispute arising out of or in connection with this Agreement, whether in arbitration or in court, will be conducted only on an individual basis and not in a class, consolidated or representative action.

If for any reason a claim or dispute proceeds in court rather than through arbitration, each party knowingly and irrevocably waives any right to trial by jury in any action, proceeding or counterclaim arising out of or relating to this Agreement or any of the transactions contemplated between the parties. Provision of an Award Subject to the limitations of liability identified in this Agreement, the appointed arbitrators may award monetary damages and any other remedies allowed by the laws of the State of California.

In making a determination, the arbitrator will not have the authority to modify any term or provision of this Agreement. The arbitrator will deliver a reasoned written decision with respect to the dispute the Award to each party, who will promptly act in accordance with the Award. Any Award including interim or final remedies may be confirmed in or enforced by a state or federal court located in San Francisco, California.

The decision of the arbitrator will be final and binding on the parties, and will not be subject to appeal or review. Fees Each party will advance one-half of the fees and expenses of the arbitrators, the costs of the attendance of the arbitration reporter at the arbitration hearing, and the costs of the arbitration facility. In any arbitration arising out of or related to this Agreement, the arbitrators will award to the prevailing party, if any, the costs and attorneys fees reasonably incurred by the prevailing party in connection with those aspects of its claims or defenses on which it prevails, and any opposing awards of costs and legal fees awards will be offset.

Confidentiality The parties will maintain the confidential nature of the arbitration proceeding, the hearing and the Award, except i as may be necessary to prepare for or conduct the arbitration hearing on the merits, ii in connection with a court application as contemplated above for a preliminary remedy, or confirmation of an Award or its enforcement, iii our disclosure of the Award in confidential settlement negotiations, or iv as otherwise required by applicable Laws.

The parties, witnesses, and arbitrator will treat as confidential and will not disclose to any third person other than witnesses or experts any documentary or other evidence produced in any arbitration hereunder, except as required by Law or except if such evidence was obtained from the public domain or was otherwise obtained independently from the arbitration.

Conflict of Rules In the case of a conflict between the provisions of this Section E. g and the rules governing arbitration identified in Section E. a, the provisions of this Section E. g will prevail. If any provision of this Agreement to arbitrate is held invalid or unenforceable, it will be so held to the minimum extent required by Law and all the other provisions will remain valid and enforceable.

This Agreement and all policies and procedures that are incorporated by reference constitute the entire agreement between you and Stripe for provision and use of the Services. Except where expressly stated otherwise in a writing executed between you and Stripe, this Agreement will prevail over any conflicting policy or agreement for the provision or use of the Services.

This Agreement sets forth your exclusive remedies with respect to the Services. If any provision or portion of this Agreement is held to be invalid or unenforceable under Law, then it will be reformed and interpreted to accomplish the objectives of such provision to the greatest extent possible, and all remaining provisions will continue in full force and effect. Cumulative Rights, Construction, Waiver. The rights and remedies of the parties under this Agreement are cumulative, and either party may enforce any of its rights or remedies under this Agreement, along with all other rights and remedies available to it at Law, in equity or under the Payment Method Rules.

No provision of this Agreement will be construed against any party on the basis of that party being the drafter. Unless expressly stated otherwise, the use of the term including or such as is not to be interpreted as limiting the generality of the text preceding the term. The failure of either party to enforce any provision of this Agreement will not constitute a waiver of that party s rights to subsequently enforce the provision.

All provisions of this Agreement that give rise to a party s ongoing obligation will survive termination of this Agreement, including Sections A. 3 Your Relationship with Your CustomersA. 6 Taxes and Other ExpensesA. 7 Service Requirements, Limitations and RestrictionsA. 8 Suspicion of Unauthorized or Illegal UseA. 9 Disclosures and Notices; Electronic Signature ConsentA. b Effects of TerminationB. 2 Ownership of Stripe IPC. 6 Specific Payment MethodsC.

7 Settlement and Payout ScheduleC. 8 Clearing Funds and ReservesC. 9 Security Interests, Collection, and Set-Off RightsC. 10 Reconciliation and Error NotificationC. 11 Dormant AccountsD. 3 Security and Fraud ControlsD. 4 Your Use of Data with Stripe Connect and Stripe RelayD. 5 Provision of Payment Account Details upon TerminationE. 4 No Agency; Third-Party ServicesE. 5 Force MajeureE.

6 Your Liability for Third-Party Claims Against UsE. 7 Representations and WarrantiesE. 8 No WarrantiesE. 9 Limitation of LiabilityE. 10 Responding to Legal ProcessE. 11 Dispute Resolution; Agreement to ArbitrateE. 12 Entire AgreementE. 13 Cumulative Rights, Construction, Waiver and E. 14 Survival ; and any related terms in the Agreement.

Skrill Review. Taking 5,000 per month or less in card payments. You ll save with Square. Supports in-app payments Integrates with third-party shopping carts Hosted payment page. Account stability issues Expensive fees to transfer money Poor customer support Basic reporting Limited pricing disclosed online. At first glance, Skrill seems precisely like the PayPal alternative people have been clamoring for since PayPal started racking up legions of dissatisfied users and merchants.

Skrill has digital wallet feature as well as merchant processing services, making it one of the most direct apples-to-apples comparisons I ve seen. Skrill even promises that it s available in 200 countries and 40 currencies. So it clearly has the same global reach. Founded in 2001, the company was originally known as Moneybookers. It wasn t a PayPal contender it was simply a way for people to move money when they gambled or placed bets online. That s still one of Skrill s product offerings, too.

It s owned by Paysafe Group, the people behind Neteller and the Paysafecard. Since it launched, Skrill has slowly expanded its services, evolving from a way to place bets online to a full-on digital wallet, and of course, a diverse suite of merchant services. It now claims 36 million users and 156,000 merchants, according to its About Us page. Those numbers are nothing to sneeze at, but they aren t even close to PayPal s adoption rates. I can see the consumer draw of Skrill.

It s an easy albeit expensive way to move money internationally. And for merchants, there s probably has a similar appeal. It s easy to do business across borders and to tap into a market of 36 million users. I was initially very hopeful about Skrill. The company looks like a very strong contender in the Anything but PayPal game.

But that s just appearances. When you scratch the surface, you reveal some serious problems and a lack of information that I simply do not like. Not only that but, in an age when moving your money around can be nearly instantaneous and mostly free, Skrill feels seriously behind the times. I have absolutely no questions about Skrill s legitimacy as a business. It is the real deal. But for consumers who need a mobile wallet, I fail to see any real advantage over other options. For merchants, there are no unique services, and the company doesn t have any competitive edge nothing it does better than anyone else.

Combined with highly dubious customer service and some not-insignificant transparency issues, that s more than enough for me to give Skrill 3 stars in this review. Can you use Skrill without any issues. Probably, but it s not worth taking the chance. If you re a US merchant, even though Skrill offers processing services, I strongly recommend looking elsewhere.

If you re in Europe, Skrill is a stronger contender, mostly thanks to a prepaid debit card option. However, the card is only available in select European countries. For a supposedly global wallet, that s a major let down. There are better, more transparent options out there ones with better customer service to boot. PayPal is a better option if you re interested in the mobile wallet aspect plus merchant services.

If your focus is international business, Stripe or Braintree will also serve you very well. Read on to find out more about Skrill, or take a look at our list of the best online credit card processors. First and foremost, like PayPal, Skrill is a digital wallet. Consumers can load money onto it and spend it anywhere that accepts Skrill payments or send money to each other for a cost of 1. 9 of the transaction, up to 20.

That was my first red flag for Skrill Sending money to friends and family is typically free on most P2P payments apps. Customers have come to expect that. It s also used for placing bets online, including for eSports and such. And it can be used for ForEx trading. I think these are the best applications for Skrill. But I m not here to look at the consumer product. I m interested in Skrill s business solutions.

Something that may confuse is the fact that Skrill offers business, merchant, and commercial accounts. There s also a difference between personal and customer accounts. Each one has its own specific use. If you want to accept payments online, a merchant user account is what you re after. I m sad to say that there isn t a neat list of features to look at or a way to nearly compare different account types.

I think the company could stand to be a bit more explicit about everything it offers BEFORE someone signs up. The information is fragmented and difficult to find even for someone like me, and I ve got a black belt in Google-Fu note that s an entirely made-up thing. Skrill s merchant services are broken down into two categories. Wallet payments It should surprise no one that Skrill allows merchants to accept payments from customers who use the digital wallet.

Hosted payments The hosted payment solution allows you to accept payments from Skrill users and those without an account. After they check out on your website, they are redirected to the Skrill site to complete the transaction, pretty much exactly how PayPal works. You can also enable an iframe to accept payments through Skrill while keeping customers on your homepage. Skrill brags that hosted payments supports more than 20 local payment methods and over 80 direct bank transfer connections with a single integration.

Skrill sort of fails at marketing its own features, but here s a quick run-down of what you get. In-app payments and microtransactions Developers can use Skrill s wallet to facilitate payments in online apps, particularly within games. Mass Payments Need to send money to a lot of people all at once. Skrill has you covered with its mass payment feature. Recurring Payments Great for subscription and membership options.

However, I wouldn t expect these to be as advanced as the tools you would get with Stripe or Braintree. Shopping Cart Integrations Merchants can choose to integrate with a fairly large selection of shopping carts. Of note are Shopify, WooCommerce, OpenCart, Volusion, and BigCommerce. Skrill 1-Tap The 1-Tap feature allows Skrill wallet users to approve purchase automatically, without having to go through an authorization process each time.

If you think this sounds an awful lot like PayPal s OneTouch, you d be right, because that s exactly what it is. In addition, it s worth mentioning that Skrill is PCI-compliant. Since you re not hosting your own payment page, you won t need to worry about this. You ll also get access to Skrill s analytics, which seem a bit basic, but will at least give you an idea of what your processing volume is like.

However, you re not going to get any sort of in-person payments. Skrill is strictly online and mobile only. And I don t expect to see the company roll out any terminal or mobile solutions any time in the near future. Not only that, but Skrill also doesn t support invoicing in the U. There s no option to request payment either.

Given that Square and PayPal both offer integrated invoicing among MANY other features, this is disappointing. You can t find merchant processing rates on Skrill s site. Or at least, you can t find U. processing rates on the U. But you can find the pricing for European merchants with no trouble, on the Integrations page. Account setups, account maintenance, and fraud protection tools are all free with Skrill, which is nice.

Digital Wallet Transactions 1. 29 Quick Checkout Transactions 1. 29 Chargeback Fee 25. I do want to point out this is a drop in fees compared with Skrill s rates last time I looked at this review. That s a good thing, I think. But I have noticed some of the consumer fees have gone up. The withdrawal fee was previously 1. 50 for a transfer or per check or cheque. On a 100 transfer, you re already paying more and will continue to pay more as the amount you move increases.

Then, take note of these additional fees. Refunds Skrill actually charges YOU 0. 49 per every refund, which is ridiculous. Lots of great processors will simply refund the transaction fees along with the rest of the money. Withdrawals You ll pay 4 for withdrawing fees from your Skrill wallet. Which I guess is better than some of the consumer withdrawal costs, but I assume that s for bank transfers only, which are free for consumers.

And again, just about every standard processor routes money to your bank for free including PayPal. Minimum Fee Undisclosed, applies to merchants generating less than 10 in processing fees per month. I don t like that Skrill doesn t disclose its monthly minimum rate at all because it makes me worry that it s quite high. For example, PayAnywhere charges a whopping 80 if you don t meet the 5,000 monthly minimum for its storefront plan.

And if it was merely 10, why not say. The other alternative, of course, is that fees vary based on what services you use. But it really shouldn t be that complicated. For the record, the threshold is less than 500 month in processing, though the exact amount depends on your average ticket value. There s one final fee to talk about. Currency conversion 3.

If you re dealing with global business and want to convert transactions to your home currency, Skrill charges you nearly 4 to do so. Most processors assess a small conversion fee for cross-border transactions, but it seems to vary. The problem with merchants who keep their funds in a digital wallet is that you can only spend your money on sites that accept your digital wallet. That s why PayPal introduced its Mastercard debit card. Skrill also has an offering but it s only available to users who reside in the European Economic Area.

US users are no longer able to get this card. The limiting of the card s accessibility costs Skrill its partnership with the freelance platform Upwork. Contract Length Cancellation Fee. Skrill seems, for the most part, to be a pay-as-you-go service. Merchants will pay per-transaction fees and possibly other monthly fees Skrill simply says in its help center that Fees may be applied on Business accounts depending on additional agreements.

I assume this includes the monthly minimum fee. I haven t seen any reports of early termination fees, which I guess makes sense given how unstable accounts seem to be. I m happy to say Skrill finally added its help center to its main site. I don t like that the help center is so sparse. There s hardly any information available in it most of the questions are pretty generic. Square and PayPal s self-service resources are far beyond this.

You can find the developer guides PDFs on the main site, but there s no developer center with all the documentation in the way you see from many other payment processors. Apart from that, Skrill offers a Twitter account dedicated entirely to customer support Ask_Skrill. The team is responsive, even if most replies are copy pasted from a template and not always helpful. The support team likes to direct most complaints to the help email address.

A lot of tweets are from irate users wanting to know why transfers or verifications are taking a painfully long time. I don t like that there isn t any US-based phone support anymore, either a fact I only found out by following a link to phone numbers that was posted on Twitter. Especially for merchants, this is a bit of a deal breaker. Having to make an international call for support is just ludicrous. So I don t recommend Skrill for US merchants.

If you re in Europe, you ve got several options for phone based on your location. Check out the support center page for numbers and hours. I ll give Skrill credit for at least offering support seven days a week. Given the lack of disclosure and limited support channels, I m not at all surprised to see Skrill has quite a few complaints that relate directly to its unreliable customer service.

Check those out in Negative Complaints and Reviews, below. Sales Advertising Transparency. I have a few or more than a few issues with Skrill s transparency. Reading online, I am not the only one. Let s start with the easy stuff The company site looks great. Very slick and up to date. It s really two different iq option site one for consumers who use the wallet, and one for merchants. And I do like how easy it is to switch between them.

Often in these situations, you find yourself down a rabbit hole that you can t quite escape and your only option to is head to the home page and start over. But I am frustrated at how little information is on the site. There s no clear list of features. There are vague mentions to micro-payments and in-app payments but no details. I ve found slightly more helpful information Skrill s developer guides, but it s still not even close to on par with what it should be.

Complicating things even more, you ll find a US-based English site and a UK-based English site, and you can flip between the two. There s a lot of information on the UK site that the US one doesn t have like merchant rates. Of course, it seems like Skrill is mostly targeted at the European market. If you want to learn more about Skrill, you need to sign up for an account or contact a salesperson. Fortunately, I haven t been able to find any reports of pushy sales reps.

But the fact that you can t even get in contact with the company without providing your business information is worrisome. There s no blog, and the press release page redirects to the Paysafe Group site, where most of the press releases aren t about Skrill. While the company does have active Facebook, Twitter, and LinkedIn pages, there s not much that s particularly compelling or useful to a merchant. At the very least, the social media team is responding. IT looks like the company has gotten a little bit savvier about social media marketing; I ll give Skrill that much.

The Facebook page has disabled posts to the page, so some of the comments on its posts are from people seeking customer support or otherwise voicing their complaints against the company. One of the biggest points of contention for many Skrill users seems to be hidden fees. There are a fair few complaints about loading funds into Skrill, only to find out the company takes a cut well above what was stated. I also see complaints about holds and freezes Skrill, like most processing companies, has a provision that allows it to implement a reserve fund.

However, it doesn t seem to be well disclosed unless you read all the terms and conditions which you should do before signing up with ANY merchant processor and seems to be inconsistently enforced. My impression of Skrill is that it s the kind of company that looks hip and sophisticated and easy to use, but once you re in you find out it s mostly a nightmare.

I mean, I know there are a fair number of merchants who accept Skrill, presumably with no problems. But I would expect a viable replacement for PayPal to at least match the company on transparency, or pricing, or features, which are the biggest draws. Negative Reviews Complaints. Skrill has a B- rating from the BBB, mostly because of the time it takes for Skrill to respond to complaints. It has a relatively small number of complaints 57 in the last three years, 12 in the last 12 months.

That s down from 68 and 22, respectively, the last time I checked in. However, keep in mind that most of Skrill s customer base is outside the U. You ll also find 17 complaints on RipOff Report.

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