Stripe – Prohibited and Restricted Businesses

Additional Product-Specific Prohibitions

Stripe Issuing

You must not use Stripe Issuing for the following activities.

Consumer use

Consumer use of Stripe Issuing is when an Issuing card is created to fully or partially enable payments for personal, family or household use, including but not limited to: 

• Providing a payment method loaded with/that accesses consumer funds
• Cards that disburse payroll or payouts
• Any other use that directly or indirectly enable payments using the consumer’s funds

International use

When you sign up for Stripe Issuing, you share with Stripe the location of your business, the physical address of your beneficial owners, and the jurisdiction in which your business is registered. Stripe requires that the physical location of your business, its jurisdiction of registration, and the physical address of at least one of your beneficial owners all match. Furthermore, you must use Issuing cards primarily in the same jurisdiction

Lending use

You may not use Stripe Issuing as a method to extend credit to your customers using your own funds, unless you have the appropriate licensing to do so and you have received express consent from Stripe to use Issuing for that purpose.  

Other abusive use

Any other abusive use of Stripe Issuing, including but not limited to:

• Using Issuing cards to abuse free trial products at scale
• Using Issuing cards to buy in-demand items or services with the sole intent to sell them for profit. (e.g. retail scalping)
• Using Issuing cards for any other illegitimate purposes

Noncompliance:

As a user of Stripe Issuing, you are required to comply with our compliance guidelines and may at times be asked by our compliance teams to update your marketing materials or aspects of your user experience. This helps us ensure you and Stripe are continuing to comply with the Federal and State laws and regulations that govern the use of these financial products. Failure to comply within the requested timeframes may result in closure of your Stripe account. 

Inactivity:

If there is inactivity on all cards associated with an account for a period of 12 consecutive months, Stripe will automatically close your Issuing account.

Integration Type:

If you plan to enable your customers to use Stripe Issuing for purposes of creating cards for your customers’ employees or contractors, you must implement Stripe Issuing on Connect.  For example, if you are a platform that wants to enable your customers to create cards for their employees to use for business travel or marketing expenses, you must create a Connect Account for each of your customers.  Please consult Stripe if you have any questions regarding the correct integration type for your business. 

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