Service agreement types
A service agreement establishes the relationship between Stripe and the platform's users.
The connected account’s service agreement type determines what capabilities the account has access to, and which service agreement applies to the platform’s users.
Supported agreement types
Connected accounts can be under one of the following service agreement types: full
or recipient
. After the connected account’s service agreement is accepted, the type of service agreement can’t be modified.
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 capability.
For the legal language, see the Stripe Connected Account Agreement.
Recipient service agreement
A recipient
service agreement clarifies that there is no service relationship between Stripe and the recipient, and that the recipient’s relationship is with the platform. Connected accounts under the recipient service agreement can’t process payments or request the card_
capability.
Transfers to recipient
accounts take an extra 24 hours to become available in the connected account’s balance. To learn more about pending
balances, see the account balances page.
Cross-border payouts only work with accounts under the recipient
service agreement. You must explicitly pass in the country code if it differs from the platform country.
Stripe isn’t responsible for providing direct support for accounts on the recipient
service agreement. However, the platform can reach out to Stripe for support for these accounts.
For the legal language, see the Stripe Recipient Agreement.
Choosing the agreement type
You can specify the agreement type through the Accounts API.
Accounts API
To choose a recipient
service agreement when creating an account, specify the agreement type with tos_acceptance[service_agreement]:
The same principle applies when updating an account:
Caution
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 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 or Embedded onboarding. For API onboarding, the platform must attest that their user has seen and accepted the service agreement. See service agreement acceptance for more information.