Issuing の規制された顧客への通知

顧客への規制された通知の送信についてご紹介します。

適用される法律に準拠するために、Issuing プラットフォームは特定のトリガーイベント発生時の顧客とのやり取りを送信する必要があります。このガイドでは、必要なときに適切な形式の通知を送信して準拠を維持するために、Stripe がどのようにサポートできるかを示します。

Stripe は規制されたメールを代理として送信するためのコーディング不要のソリューションを提供します。規制への準拠が自動的に維持されるため、この方法の使用をお勧めします。

メールテンプレートをより詳細に制御したい場合は、Stripe のコンプライアンスチームの承認後に自社の Issuing 通知を送信できます。API 経由で、すべての規制された通知を Stripe に報告する必要があります。

メールテンプレートを送信する

利用可能なテンプレートを確認したら、承認を受けるために、カスタムバージョンを platform-compliance@stripe.com に送信します。

Stripe テンプレートの法律で定められた開示事項と重要な情報をすべて含める必要がありますが、一部の言い回しは自社のブランディングでカスタマイズできます。

Stripe notice reporting API を実装する

Stripe はテンプレートを承認した後で、Account Notice API へのアクセスを提供します。これにより、顧客への通知が必要なイベントについて Stripe からお知らせするとともに、顧客にメールを送信したときにメールの内容を Stripe に報告できるようになります。

account_notice.created Webhook をリッスンして、新しい請求書を送信するタイミングを把握できます。Account Notice オブジェクトごとに次を指定します。

reason: 必要な通知の種類
linked_object: 不審請求の申請の詳細などの関連情報
deadline: 通知を送信する必要がある期限

顧客にメールを送信したら、update Account Notice API を使用してメールの内容を提供します。

plain_text
subject
recipient メールアドレス
sent_at 日付

オプションの通知

必須ではありませんが、Stripe は使用されていないアカウントについて通知を送ることをお勧めしています。Stripe は Account Notice API を通じて、使用されていないアカウントに関するイベントを通知しますが、これらのイベントには期限がなく、またこのような通知について Stripe に報告するのはオプションです。

本番環境に移行する準備が整ったことを Stripe に知らせる

Account Notice API で実装を完了してテストしたら、platform-compliance@stripe.com にメールを送信してください。Stripe は、さまざまなテストアカウント通知に適切に返信したことを確認します。確認後、Stripe はお客様に代わって通知の送信を停止し、Account Notice API で本番環境を有効にします。

Stripe のコンプライアンスチームは Account Notice の使用状況を監視し、期限内に適切なメールが送信されていることを確認します。

顧客への通知が必要なイベント

以下で説明するトリガーイベントには顧客への通知が必要です。

Stripe は、通知を必要とするほとんどのイベントを監視します。お客様のプラットフォーム自ら通知を送信しない場合は、Stripe がお客様の代理として顧客に通知を送信します。

不審請求の申請

不審請求の申請を送信する際と、ネットワークによって不審請求の申請の結果 (主張が認められたか認められなかったか) が決定された際にも、規制に基づく通知を送信する必要があります。

意図しないアカウントの閉鎖

Stripe のみが非アクティブな連結アカウントの無効化と、利用規約に違反したアカウントの無効化を実行できます。Stripe はこれらのイベントのどちらについてもメールをお客様に代わって送信します。ご自身でメールを送信している場合は、Stripe からお客様にこの両イベントについて通知します。非アクティブなアカウントの解約についてはアカウントへの通知は推奨事項ですが、利用規約を理由にした解約については通知の送信が必須になります。

顧客がアカウントの解約をリクエストした場合、通知を送信する必要はありません (Stripe が代理として送信することもありません)。

本人確認に失敗したため拒否された Issuing への申し込み

card_issuing ケイパビリティの申請が完了してから 29 日以内に未確認のままである場合は、連結アカウントに通知する必要があります。Stripe は完了した申し込みを監視し (アカウントが Issuing に必要なすべての情報を送信し、Issuing の利用規約に同意した後に)、29 日が経過しても機能が inactive のままである場合は、通知を生成します。テスト環境では、Stripe は完了の 1 時間後に通知を生成し、このシナリオを再現できるようにします。

Charge Card のクレジットリスク評価判定

Stripe は Charge Card のリスク評価判定を監視しており、ユーザーのクレジットアカウントに対する悪影響については、規定の通知を送信する必要があります。これには、申し込みの拒否、クレジット限度額の引き上げリクエストの拒否、クレジット限度額の引き下げ、またはクレジット限度額の解約などが含まれます。プラットフォームがまだ Stripe の Charge Card プロダクトの使用を許可されていない場合、これらのテンプレートは適用されません。

Issuing 通知のメールテンプレート

Stripe は以下のテンプレートを使用して、特定のイベントが発生すると、それに関連するメールをユーザーに送信します。通信設定でプレビューしてカスタマイズするをクリックすると、各テンプレートをプレビューできます。ブランディングをカスタマイズするをクリックすると、プラットフォームの名前とロゴをカスタマイズできます。

カスタムメールドメインを設定している場合、Stripe は各テンプレートの「斜体」のテキストを自動的に削除します。このテキストは、メールが card-issuing-notices@stripe.com から送信されるときに含まれます。

Dispute submitted

Subject: A dispute has been submitted on your behalf by <Your platform name> Preheader: Your dispute has been received <Your platform logo> Hello <Account merchant name>, We’ve opened a dispute case for a recent transaction of <Transaction amount> <Transaction currency> at <Transaction merchant name> on your <Your platform name> card ending in <Card last 4>. If you don’t recognize this charge and suspect this card has been compromised, cancel the card immediately. Disputes are submitted to the card network for a final decision, which might take up to 90 days. You receive an email when a decision has been made. Please contact <Your platform name> support with any follow-up questions. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> On behalf of <Bank sponsor name> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: A dispute has been submitted on your behalf by <Your platform name>

Preheader: Your dispute has been received

Hello <Account merchant name>,

We’ve opened a dispute case for a recent transaction of <Transaction amount> <Transaction currency> at <Transaction merchant name> on your <Your platform name> card ending in <Card last 4>.

If you don’t recognize this charge and suspect this card has been compromised, cancel the card immediately.

Disputes are submitted to the card network for a final decision, which might take up to 90 days. You receive an email when a decision has been made.

Please contact <Your platform name> support with any follow-up questions. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

On behalf of <Bank sponsor name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Dispute lost

Subject: Your recent <Your platform name> card dispute was lost Preheader: The dispute decision from the network and processor is final. <Your platform logo> Hello <Account merchant name>, Your recent transaction dispute from your <Your platform name> card ending in <Card last 4> was resolved in the merchant’s favor. The dispute decision from the network and processor is final. Transaction summary: Dispute reason <Dispute reason> Loss reason <Dispute loss reason> <Dispute loss reason description> Merchant name <Transaction merchant name> Date <Transaction date> Total <Transaction amount><Transaction currency> Please contact <Your platform name> support with any follow-up questions. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> On behalf of <Bank sponsor name> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: Your recent <Your platform name> card dispute was lost

Preheader: The dispute decision from the network and processor is final.

Hello <Account merchant name>,

Your recent transaction dispute from your <Your platform name> card ending in <Card last 4> was resolved in the merchant’s favor. The dispute decision from the network and processor is final.

Transaction summary:

Dispute reason

Loss reason

Merchant name

Date

Total

Please contact <Your platform name> support with any follow-up questions. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

On behalf of <Bank sponsor name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Dispute won

Subject: Your recent <Your platform name> card dispute was lost Preheader: The dispute decision from the network and processor is final. <Your platform logo> Hello <Account merchant name>, Your recent transaction dispute from your <Your platform name> card ending in <Card last 4> was resolved in your favor. A credit for <Dispute amount> <Card currency> has been applied to your account. Transaction summary: Dispute reason <Dispute reason> Merchant name <Transaction merchant name> Date <Transaction date> Total <Transaction amount><Transaction currency> Please contact <Your platform name> support with any follow-up questions. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> On behalf of <Bank sponsor name> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: Your recent <Your platform name> card dispute was lost

Preheader: The dispute decision from the network and processor is final.

Hello <Account merchant name>,

Your recent transaction dispute from your <Your platform name> card ending in <Card last 4> was resolved in your favor. A credit for <Dispute amount> <Card currency> has been applied to your account.

Transaction summary:

Dispute reason

Merchant name

Date

Total

Please contact <Your platform name> support with any follow-up questions. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

On behalf of <Bank sponsor name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Account closed by Stripe for Inactivity

Subject: Your physical or virtual cards from <Your platform name> have been deactivated Preheader: Your account has been inactive for more than a year <Your platform logo> Hello <Account merchant name>, We’re writing to let you know that any physical or virtual cards issued to you through <Your platform name> have been deactivated due to inactivity, and we’ve paused your ability to create new cards with <Your platform name>. You’re receiving this email because your account allowed you to create physical and/or virtual cards, but you haven’t made any card transactions in more than a year. Please contact <Your platform name> support with any questions, or to restore your account’s ability to create new cards. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> <Bank specific ECOA footer> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: Your physical or virtual cards from <Your platform name> have been deactivated

Preheader: Your account has been inactive for more than a year

Hello <Account merchant name>,

We’re writing to let you know that any physical or virtual cards issued to you through <Your platform name> have been deactivated due to inactivity, and we’ve paused your ability to create new cards with <Your platform name>.

You’re receiving this email because your account allowed you to create physical and/or virtual cards, but you haven’t made any card transactions in more than a year.

Please contact <Your platform name> support with any questions, or to restore your account’s ability to create new cards. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Account closed by Stripe for not providing business model clarification

Subject: [Important] Information needed for your account with <Your platform name> Preheader: We need more information about your business <Your platform logo> Hello <Account merchant name>, We’re writing to confirm that as of today we have disabled your ability spend on active cards on your account, as we did not receive a response to our recent request for additional information about your business and its use of Stripe Issuing. As a result, you will no longer be able to make authorized card transactions. To re-enable your account, we need you to provide the following information: Who is your target audience? We’d like to learn about your typical customers. Specifically, please provide details around products/inventory, pricing, shipping details, and customer-vetting processes, if applicable. Please contact <Your platform name> support with any questions, or to restore your account’s ability to spend on cards. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> <Bank specific ECOA footer> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: [Important] Information needed for your account with <Your platform name>

Preheader: We need more information about your business

Hello <Account merchant name>,

We’re writing to confirm that as of today we have disabled your ability spend on active cards on your account, as we did not receive a response to our recent request for additional information about your business and its use of Stripe Issuing. As a result, you will no longer be able to make authorized card transactions. To re-enable your account, we need you to provide the following information:

Who is your target audience? We’d like to learn about your typical customers.
Specifically, please provide details around products/inventory, pricing, shipping details, and customer-vetting processes, if applicable.

Please contact <Your platform name> support with any questions, or to restore your account’s ability to spend on cards. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Account closed by Stripe for not providing url clarification

Subject: [Important] Information needed for your account with <Your platform name> Preheader: We need more information about your business <Your platform logo> Hello <Account merchant name>, We’re writing to confirm that as of today we have disabled your ability spend on active cards on your account, as we did not receive a response to our recent request for additional information about your business and its use of Stripe Issuing. As a result, you will no longer be able to make authorized card transactions. To re-enable your account, we need you to provide the following information: A detailed explanation of your business model A working website for your business that we can access to ensure it complies with our terms of service A social media profile for you or your business (e.g., an established LinkedIn or Facebook business page that includes your contact information) Please contact <Your platform name> support with any questions, or to restore your account’s ability to spend on cards. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> <Bank specific ECOA footer> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: [Important] Information needed for your account with <Your platform name>

Preheader: We need more information about your business

Hello <Account merchant name>,

A detailed explanation of your business model
A working website for your business that we can access to ensure it complies with our terms of service
A social media profile for you or your business (e.g., an established LinkedIn or Facebook business page that includes your contact information)

Please contact <Your platform name> support with any questions, or to restore your account’s ability to spend on cards. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Account closed by Stripe for not providing use case clarification

Subject: [Important] Information needed for your account with <Your platform name> Preheader: We need more information about your business <Your platform logo> Hello <Account merchant name>, We’re writing to confirm that as of today we have disabled your ability spend on active cards on your account, as we did not receive a response to our recent request for additional information about your business and its use of Stripe Issuing. As a result, you will no longer be able to make authorized card transactions. To re-enable your account, we need you to provide the following information: How will your business use Issuing? How will the Issuing balance be funded? Who will be using the cards? (e.g., employees, contractors, customers) Are you issuing cards directly to any authorized users that are not direct employees of your company? If yes, please provide details on who the cards are being issued to and for what purpose. If no, provide details on how many direct employees your company has. This doesn’t include independent contractors or subcontractors. Please contact <Your platform name> support with any questions, or to restore your account’s ability to spend on cards. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> <Bank specific ECOA footer> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: [Important] Information needed for your account with <Your platform name>

Preheader: We need more information about your business

Hello <Account merchant name>,

How will your business use Issuing?
How will the Issuing balance be funded?
Who will be using the cards? (e.g., employees, contractors, customers)
Are you issuing cards directly to any authorized users that are not direct employees of your company?
If yes, please provide details on who the cards are being issued to and for what purpose.
If no, provide details on how many direct employees your company has. This doesn’t include independent contractors or subcontractors.

Please contact <Your platform name> support with any questions, or to restore your account’s ability to spend on cards. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Account closed by Stripe for Terms of Service violation

Subject: [Important] Your use of cards issued through <Your platform name> Preheader: We can no longer support your business’s cards <Your platform logo> Hello <Account merchant name>, After conducting a routine review of your card account with <Your platform name>, we have determined we can no longer support further use of your cards. Unfortunately, your business is using <Your platform name> cards in a way that violates Stripe’s terms of service. These restrictions are firm, so we have no flexibility in this matter. As a result, you can no longer transact on your existing cards or create new cards. You may withdraw any remaining balance with <Your platform name>. We recommend that you notify any cardholders linked to your account as soon as possible. We’re sorry about any impact this decision may have on your business. If you believe this decision was made in error, or if you have any other questions, please contact <Your platform name> support. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> <Bank specific ECOA footer> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: [Important] Your use of cards issued through <Your platform name>

Preheader: We can no longer support your business’s cards

Hello <Account merchant name>,

After conducting a routine review of your card account with <Your platform name>, we have determined we can no longer support further use of your cards. Unfortunately, your business is using <Your platform name> cards in a way that violates Stripe’s terms of service.

These restrictions are firm, so we have no flexibility in this matter.

As a result, you can no longer transact on your existing cards or create new cards. You may withdraw any remaining balance with <Your platform name>.

We recommend that you notify any cardholders linked to your account as soon as possible.

We’re sorry about any impact this decision may have on your business. If you believe this decision was made in error, or if you have any other questions, please contact <Your platform name> support. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Spend Card application rejected for failure to verify identity

Subject: Your recent application for cards through <Your platform name> was rejected <Your platform logo> Hello <Account merchant name>, Your application for cards through <Your platform name> was rejected because we couldn’t verify your identity within 30 days. If you want to apply again or have any follow-up questions, please contact <Your platform name> support. You can reply to this email, or contact <Your platform support email>. — Stripe and <Your platform name> <Bank specific ECOA footer> This email was sent by Stripe for your account with <Your platform name>, Account ID: <Merchant account ID>

Subject: Your recent application for cards through <Your platform name> was rejected

Hello <Account merchant name>,

Your application for cards through <Your platform name> was rejected because we couldn’t verify your identity within 30 days.

If you want to apply again or have any follow-up questions, please contact <Your platform name> support. You can reply to this email, or contact <Your platform support email>.

— *Stripe and* <Your platform name>

*This email was sent by Stripe for your account with* <Your platform name>, Account ID: <Merchant account ID>

Charge Card プラットフォーム用のその他のテンプレート

プラットフォームが Stripe の Charge Card 製品の使用を承認されている場合は、その他のテンプレートが適用されます。

信用機会均等法の開示事項

上記のテンプレートでは、<Bank specific ECOA footer> はプラットフォームの銀行スポンサー向けの適切な信用機会均等法の開示事項に置き換えられます。

On behalf of Celtic Bank Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning Celtic Bank is Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, 1100 Walnut Street, Box #11, Kansas City, MO 64106 <Your platform name> is located at <Your platform address>

On behalf of Celtic Bank

Notice: The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The Federal agency that administers compliance with this law concerning Celtic Bank is Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, 1100 Walnut Street, Box #11, Kansas City, MO 64106

<Your platform name> is located at <Your platform address>

アカウントに複数の銀行から提供されたカードがある場合 (一般的ではありません)、アカウントの閉鎖テンプレートの <Bank specific ECOA footer> には該当するすべての銀行スポンサーが表示されます。

メモ

Issuing の規制された顧客への通知

顧客への規制された通知の送信についてご紹介します。

メールテンプレートを送信する

Stripe notice reporting API を実装する

オプションの通知

本番環境に移行する準備が整ったことを Stripe に知らせる

顧客への通知が必要なイベント

不審請求の申請

意図しないアカウントの閉鎖

本人確認に失敗したため拒否された Issuing への申し込み

Charge Card のクレジットリスク評価判定

Issuing 通知のメールテンプレート

Dispute submitted

Dispute lost

Dispute won

Account closed by Stripe for Inactivity

Account closed by Stripe for not providing business model clarification

Account closed by Stripe for not providing url clarification

Account closed by Stripe for not providing use case clarification

Account closed by Stripe for Terms of Service violation

Spend Card application rejected for failure to verify identity

Charge Card プラットフォーム用のその他のテンプレート

信用機会均等法の開示事項