# Service agreement types

Learn how a service agreement establishes the relationship between Stripe and a platform's users.

The connected account’s service agreement type determines what [capabilities](https://docs.stripe.com/connect/account-capabilities.md) the account has access to, and which service agreement applies to the platform’s users.

This content is only applicable if [your platform is liable for negative balances](https://docs.stripe.com/connect/risk-management.md#identify-negative-balance-responsibility) and your connected accounts don’t have access to the [full Stripe Dashboard](https://docs.stripe.com/connect/stripe-dashboard.md).

## Supported agreement types 

Connected accounts can be under one of the following service agreement types: `full` or `recipient`. After a connected account accepts it, you can’t modify the type of service agreement.

### Full service agreement 

A `full` service agreement creates a service relationship between Stripe and the connected account holder. Connected accounts under the `full` service agreement can process card payments and request the [card_payments](https://docs.stripe.com/connect/account-capabilities.md#card-payments) capability.

For the legal language, see the [Stripe Connected Account Agreement](https://stripe.com/connect-account/legal/full).

### Recipient service agreement 

A [recipient service agreement](https://stripe.com/connect-account/legal/recipient) acknowledges that Stripe has no direct service relationship with the recipient. Instead, the recipient has a relationship only with the platform. Accounts under this agreement can’t process payments or request the `card_payments` capability. Transfers to `recipient` accounts take an additional 24 hours to become available in the [connected account’s balance](https://docs.stripe.com/connect/account-balances.md).

The recipient service agreement is available in select countries. Refer to the [required verification information](https://docs.stripe.com/connect/required-verification-information.md) to verify the supported countries.

Stripe supports cross-border payouts for platforms using a `recipient` service agreement through [Global payouts](https://docs.stripe.com/global-payouts.md). Stripe doesn’t provide direct support to accounts on the `recipient` service agreement, but you (the platform) can contact Stripe for support on behalf of those accounts.

## Choosing the agreement type 

You can specify the agreement type through the [Accounts](https://docs.stripe.com/api/accounts.md) API.

### Accounts API 

To choose a `recipient` service agreement when [creating an account](https://docs.stripe.com/api.md#create_account), specify the agreement type with [tos_acceptance[service_agreement]](https://docs.stripe.com/api/accounts/object.md#account_object-tos_acceptance):

#### With controller properties

```curl
curl https://api.stripe.com/v1/accounts \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d country=US \
  -d "controller[stripe_dashboard][type]=none" \
  -d "controller[fees][payer]=application" \
  -d "controller[losses][payments]=application" \
  -d "controller[requirement_collection]=application" \
  -d "capabilities[transfers][requested]=true" \
  -d "tos_acceptance[service_agreement]=recipient"
```

#### With account type

```curl
curl https://api.stripe.com/v1/accounts \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d country=US \
  -d type=custom \
  -d "capabilities[transfers][requested]=true" \
  -d "tos_acceptance[service_agreement]=recipient"
```

The same principle applies when [updating an account](https://docs.stripe.com/api.md#update_account):

```curl
curl https://api.stripe.com/v1/accounts/{{CONNECTEDACCOUNT_ID}} \
  -u "<<YOUR_SECRET_KEY>>:" \
  -d "tos_acceptance[service_agreement]=recipient"
```

> Changing the service agreement type fails if the service agreement has already been accepted; in those cases, create a new account with the desired service agreement.

### Connect Configuration settings

To choose a `recipient` service agreement for connected accounts with access to the Express Dashboard, select the **Transfers** option with the **Restricted Capability Access** icon in the [Configuration settings](https://dashboard.stripe.com/account/applications/settings/express) section of the Stripe Dashboard.

You can override the Configuration settings for an individual account by specifying its capabilities and service agreement type with the Accounts API.

## Accepting the correct agreement

Stripe handles the service agreement acceptance if you use [Stripe-hosted onboarding](https://docs.stripe.com/connect/hosted-onboarding.md) or [Embedded onboarding](https://docs.stripe.com/connect/embedded-onboarding.md). For [API onboarding](https://docs.stripe.com/connect/api-onboarding.md), the platform must attest that their user has seen and accepted the service agreement. See [service agreement acceptance](https://docs.stripe.com/connect/updating-service-agreements.md#tos-acceptance) for more information.