How Managed Payments worksPublic preview

Learn how to run your business using Managed Payments.

Managed Payments enables Stripe to act as the merchant of record on your behalf. This means Stripe takes on the responsibility for indirect taxes compliance (such as sales taxes, VAT, GST), fraud prevention, customer transaction support, and order management for you.

Features

Managed Payments allows you to:

Expand globally	Sell digital products to customers around the world without registering or operating local business entities in each country. Stripe handles the sales tax obligations.
Sales tax and VAT and GST compliance	Stripe automatically calculates, collects, files, and remits taxes for every Managed Payment transaction. Stripe takes on the responsibility for global sales tax, VAT, and GST, including post-sale compliance. Sales tax is assessed based on the customer’s location and product classification. Stripe withholds the tax amount for payment to the relevant tax authorities.
Use Stripe Checkout and Link	Managed Payments is available for Stripe Checkout integrations. On Managed Payments checkout pages, Link facilitates the transaction and ensures customers are authenticated, improving conversion rates and enabling post-sale support.
Access Stripe Reporting in the Dashboard	Stripe reports include Managed Payments transactions. They appear alongside your other transactions and can be filtered by transaction type. Access detailed records using the Dashboard and the API.

On your behalf, Managed Payments manages:

Fraud prevention	Stripe uses AI and real-time monitoring to manage fraud and doesn’t require additional action from you because Stripe configures rules and maintains blocklists.
Disputes	Stripe automatically submits evidence to respond to most disputes through Smart Disputes and internal tooling. You still have the option to manually submit evidence.
Customer order and transaction support	Link provides your customers access to order management through the Link app. Link also manages transaction-level support, requesting action from you when needed. You retain full visibility and control for product-level support.
Transaction-related emails	Stripe automatically sends email receipts and subscriptions-related emails (such as trial ending). These emails are owned and managed by Stripe. You can issue refunds and update subscriptions using the Dashboard or API.

Customer experience

Learn how a customer interacts with your Managed Payments integration from checkout to requesting refunds.

When a customer checks out

Link is the merchant of record. The checkout page and receipts display the digital product is “Sold through Link”
Stripe charges and displays sales tax during checkout
Stripe offers cards, Apple Pay, Link, and select local payment methods to customers as payment method options at checkout
Payment terms are standardized in the footer of the checkout page. You can include your own terms of service and privacy policy by adding them in Checkout Settings
Stripe automatically converts the price into the customer’s local currency based on their location using Adaptive Pricing

After the payment

Stripe sends receipts, invoices, and subscription notifications directly to the customer. Your Billing and receipt settings in the Dashboard don’t affect these emails.

Statement descriptor

The customer’s statement displays LINK.COM* [Your statement descriptor], as defined by the statement descriptor logic.

Order management

Customers manage their orders through Link. They can:

View order history
Cancel or update subscriptions
Update payment methods

Transaction support

Stripe manages support requests for payments and subscriptions through Link support. If customers request support, Stripe might contact you for product specific details. Failure to respond within 48 hours might result in Stripe refunding the transaction without your input. You can still directly respond to customers, and provide refunds, update subscriptions, and address any product issues or concerns.

Note

Keep your support email accurate and up-to-date in your Dashboard settings. Stripe uses this email address for all customer support escalations.

Refunds

Customers can request refunds by contacting Link support. Stripe might issue refunds at our discretion within 60 days of the original transaction.

When you or Stripe refund a transaction, the refund amount includes any sales tax the customer paid. Although the customer is refunded the full amount, Stripe is required to retain and remit the original sales tax amount on refunded transactions in certain jurisdictions. As a result, in these jurisdictions, your account balance will be reduced by the amount corresponding to the original sales tax amount.

Data deletion requests

Customers can request to delete their information for all Managed Payments transactions and the associated Link account used to manage those transactions. If a customer purchases a product from your business through Managed Payments and asks Stripe to delete their information, Stripe will:

Cancel any subscriptions sold to the customer through Managed Payments
Delete the customer’s data from any data objects, including objects in your Stripe account, used for or generated from Managed Payments transactions. This includes the Customer, Payment Method, Invoice, Payment Intent, Subscription, and Charge objects. Stripe will send you an email notification when we receive a data deletion request for each of your customers.

Eligibility

Managed Payments has compliance requirements and restrictions in addition to those needed for Stripe Payments.

Supported business locations

Your business must be based in one of the following supported countries:

North America

Canada

United States

Europe

Austria

Belgium

Bulgaria

Croatia

Cyprus

Czech Republic

Denmark

Estonia

Finland

France

Germany

Gibraltar

Greece

Hungary

Ireland

Italy

Latvia

Liechtenstein

Lithuania

Luxembourg

Malta

Netherlands

Norway

Poland

Portugal

Romania

Slovakia

Slovenia

Spain

Sweden

Switzerland

United Kingdom

Asia

Hong Kong

Available customer countries

You can sell to customers globally, with the exception of the following restricted countries:

Restricted countries

Ascension Island
China
Cuba
Iran
Kosovo
North Korea
Russia
Syria
Tristan da Cunha

Supported use cases

Managed Payments supports the sale of digital products that meet all of the following criteria:

The product is sold directly from your business to customers (not through a platform or marketplace)
Your business holds all necessary rights and licenses to distribute the product

Eligible product tax codes

To enable accurate tax calculation, each product must be assigned an eligible tax code. Managed Payments supports a specific subset of tax codes related to digital products. Refer to the eligible tax codes list below for a comprehensive overview. Products without an eligible tax code cannot be sold through Managed Payments.

Tax code	Category name	Use this tax code for

`txcd_10103000`	Software as a service (SaaS) - personal use	Cloud services software delivered over the internet. The software isn't customized for a specific buyer and they don't download anything. The software is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10103001`	Software as a service (SaaS) - business use	Cloud services software delivered over the internet. The software isn't customized for a specific buyer and they don't download anything. The software is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10103100`	Software as a service (SaaS) - electronic download - personal use	Cloud services software delivered over the internet. The software isn't customized for a specific buyer and this model assumes an electronic transfer to the buyer, such as an app download. The software is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10103101`	Software as a service (SaaS) - electronic download - business use	Cloud services software delivered over the internet. The software isn't customized for a specific buyer and this model assumes an electronic transfer to the buyer, such as an app download. The software is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10201000`	Video Games - downloaded - non subscription - with permanent rights	Video or electronic games in the common sense that are transferred electronically. These goods are downloaded to a device with permanent access granted. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10201001`	Video Games - downloaded - non subscription - with limited rights	Video or electronic games in the common sense that are transferred electronically. These goods are downloaded to a device with access that expires after a stated period of time. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10201002`	Video Games - downloaded - subscription - with conditional rights	Video or electronic games in the common sense that are transferred electronically. These goods are downloaded to a device with access that is conditioned upon continued subscription payment. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10201003`	Video Games - streamed - non subscription - with limited rights	Video or electronic games in the common sense that are transferred electronically. These goods are streamed to a device with access that expires after a stated period of time. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10201004`	Video Games - streamed - subscription - with conditional rights	Video or electronic games in the common sense that are transferred electronically. These goods are streamed to a device with access that is conditioned upon continued subscription payment. This does not include games that are considered betting, gambling, lottery, etc.
`txcd_10202000`	Downloadable Software - personal use	Prewritten ("canned") software that the buyer downloads. The software is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10202003`	Downloadable Software - business use	Prewritten ("canned") software that the buyer downloads. The software is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10401000`	Digital Audio Works - streamed - non subscription - with limited rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are streamed to a device with access that expires after a stated period of time. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards.
`txcd_10401001`	Digital Audio Works - downloaded - non subscription - with limited rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are downloaded to a device with access that expires after a stated period of time. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards. Note the presence of PTC 10301000 (Audiobook), a more granular option for downloaded audiobooks.
`txcd_10401100`	Digital Audio Works - downloaded - non subscription - with permanent rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are downloaded to a device with permanent access granted. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards. Note the presence of PTC 10301000 (Audiobook), a more granular option for downloaded audiobooks.
`txcd_10401200`	Digital Audio Works - streamed - subscription - with conditional rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are streamed to a device with access that is conditioned upon continued subscription payment. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards.
`txcd_10402000`	Digital Audio Visual Works - streamed - non subscription - with limited rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are streamed to a device with access that expires after a stated period of time. These goods include motion pictures, music videos, animations, and news and entertainment programs, but do not include video greeting cards or video or electronic games.
`txcd_10402100`	Digital Audio Visual Works - downloaded - non subscription - with permanent rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are downloaded to a device with permanent access granted. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10402110`	Digital Audio Visual Works - downloaded - non subscription - with limited rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are downloaded to a device with access that expires after a stated period of time. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10402200`	Digital Audio Visual Works - streamed - subscription - with conditional rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are streamed to a device with access that is conditioned upon continued subscription payment. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10505000`	Digital Finished Artwork - downloaded - non subscription - with limited rights	The final art used for actual reproduction by photomechanical or other processes or for display purposes, but does not include website or home page design, and that is transferred electronically. These goods are downloaded to a device with access that expires after a stated period of time. These goods include drawings, paintings, designs, photographs, lettering, paste-ups, mechanicals, assemblies, charts, graphs, illustrative materials, etc.
`txcd_10505001`	Digital Finished Artwork - downloaded - non subscription - with permanent rights	The final art used for actual reproduction by photomechanical or other processes or for display purposes, but does not include website or home page design, and that is transferred electronically. These goods are downloaded to a device with permanent access granted. These goods include drawings, paintings, designs, photographs, lettering, paste-ups, mechanicals, assemblies, charts, graphs, illustrative materials, etc.
`txcd_10505002`	Digital Finished Artwork - downloaded - subscription - with conditional rights	The final art used for actual reproduction by photomechanical or other processes or for display purposes, but does not include website or home page design, and that is transferred electronically. These goods are downloaded to a device with access that is conditioned upon continued subscription payment. These goods include drawings, paintings, designs, photographs, lettering, paste-ups, mechanicals, assemblies, charts, graphs, illustrative materials, etc.
`txcd_10701000`	Website Advertising	Online advertising services such as creating and uploading advertisements on the internet. This is a standalone service that doesn't involve the sale of tangible personal property.
`txcd_10701100`	Website Hosting	A service to enable a customer's website to be accessible on the internet.
`txcd_10701400`	Website Information Services - Business Use	An online service furnishing information to customers, including online search and data comparison. This PTC involves the customer utilizing a SaaS program to access the information content. This offering is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10701401`	Website Information Services - Personal Use	An online service furnishing information to customers, including online search and data comparison. This PTC involves the customer utilizing a SaaS program to access the information content. This offering is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the U.S.
`txcd_10701410`	Electronically Delivered Information Services - Business Use	The furnishing of information of any kind by electronic means. This PTC does not involve the customer utilizing a SaaS program to access the information content. This offering is intended for use by a commercial enterprise. Note: The distinction between business use and personal use for this PTC is relevant only if you have sales in the US.
`txcd_10701411`	Electronically Delivered Information Services - Personal Use	The furnishing of information of any kind by electronic means. This PTC does not involve the customer utilizing a SaaS program to access the information content. This offering is intended for personal use, rather than for use by a commercial enterprise. Note: The distinction between business use and personal use for this product tax category is relevant only if you have sales in the US.
`txcd_10804001`	Digital Audio Visual Works - bundle - downloaded with permanent rights and streamed - subscription - with conditional rights	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods are streamed and/or downloaded to a device with access that is conditioned upon continued subscription payment. Any downloads received while under subscription remain the permanent property of the subscriber. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games. These goods further include self-study web based training services that impart content via audio visual goods described here.
`txcd_10804002`	Digital Audio Visual Works - bundle - downloaded with limited rights and streamed - non subscription	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods can be streamed and/or downloaded to a device with access that expires after a stated period of time. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10804003`	Digital Audio Visual Works - bundle - downloaded with permanent rights and streamed - non subscription	A series of related images which, when shown in succession, impart an impression of motion, together with accompanying sounds, if any. These goods can be streamed and/or downloaded to a device with permanent access granted. These goods include motion pictures, music videos, animations, news and entertainment programs, and live events, but do not include video greeting cards or video or electronic games.
`txcd_10804010`	Digital Audio Works - bundle - downloaded with permanent rights and streamed - subscription - with conditional rights	Works that result from the fixation of a series of musical, spoken, or other sounds that are transferred electronically. These goods are streamed and/or downloaded to a device with access that is conditioned upon continued subscription payment. Any downloads received while under subscription remain the permanent property of the subscriber. These goods include prerecorded or live music, prerecorded or live readings of books or other written materials, prerecorded or live speeches, ringtones, or other sound recordings, but not including audio greeting cards. These goods further include self-study web based training services that impart content via audio goods described here. Note the presence of PTC 10301000 (Audiobook), a more granular option for downloaded audiobooks.
`txcd_20060045`	Training Services - Live Virtual	Live web based training. This includes education sessions or workshops provided remotely, but does not include video replays of the instruction or course. This service allows for a level of participation that is substantially similar to an in-person training on the same subject matter.
`txcd_20060058`	Training Services - Self-study Web-based	Self Study web based training, not instructor led. This does not include downloads or streaming of video replays.
`txcd_20060158`	On demand Online Courses - pre-recorded audio or audio visual content (streamed)	Instructional courses delivered through pre-recorded audio or video content. Content is accessed through a SaaS (Software as a Service) platform, streamed to internet connected devices, and is not available for download.
`txcd_20060258`	On demand Online Courses - pre-recorded audio or audio visual content (streamed and downloadable)	Instructional courses delivered through pre-recorded audio or video content. Content is accessed through a SaaS (Software as a Service) platform, and is available for both streaming and permanent download to internet connected devices.
`txcd_20060358`	On demand Online Courses - written material content (viewable or viewable and downloadable)	Instructional courses delivering static content such as text, documents, or images. Content is accessed through a SaaS (Software as a Service) platform, and is available for both temporary viewing and permanent download to internet connected devices.

Supported integrations

Managed Payments supports:

Stripe Checkout (hosted or embedded form)

Managed Payments doesn’t support:

Stripe Payments Links
Stripe Connect (platform or marketplace setups)
Payment flows using embeddable web components or other advanced integrations
Attaching Invoice Items to Managed Payments subscriptions. Sales through Managed Payments must originate from a Managed Payments Checkout Session.
Generating a one off invoice for a subscription outside of the billing period.

Prohibited products and businesses

You can’t sell the following types of products using Managed Payments.

All products and businesses described on Stripe’s prohibited and restricted businesses list are prohibited.

Services of any kind (for example, consulting, marketing, design, development, tech support)
IPTV services
Physical goods of any kind
Spyware or parental control apps
Donations or charity contributions
Job boards
Marketplace offerings (for example, stores reselling third-party products)
Advertising placements (for example, in emails, websites, or social media)
Dating platforms
Private Label Rights (PLR) or Master Resell Rights (MRR) products
Illegal or age-restricted products (for example, drugs, alcohol, tobacco, vaping)
Regulated goods and services (for example, CBD, gambling, firearms, real estate, lending, banking)
Pharmaceuticals, pharmacies, or nutraceuticals
Homework or essay writing services
NFT or cryptocurrency-related products

Ensure your product offering aligns with these eligibility requirements before using Managed Payments. If you’re unsure whether or not your use case qualifies, contact Stripe Support.

Supported payment methods

Businesses using Managed Payments can accept up to 15 payment methods from customers. Refer to Payment method configurations for information about how to configure payment method settings for Managed Payments.

Certain payment methods don’t support recurring or subscription payments. Additionally, certain payment methods might require you to locally present in the buyer’s currency for the payment method to appear on your checkout page.

Payment method	Supported buyer countries	Supported payment types	Presentment currency
Cards	Global	One-time and recurring payments	Local currency presentment isn’t required.
Apple Pay	Global	One-time and recurring payments	Local currency presentment isn’t required.
Google Pay	Global	One-time and recurring payments	Local currency presentment isn’t required.
Link	Global	One-time and recurring payments	Local currency presentment isn’t required.
Klarna	Global	One-time payments only²	Local currency presentment is required
Cash App Pay	US	One-time and recurring payments	Local currency presentment is required
Cash App Afterpay	US	One-time payments only	Local currency presentment is required
Korean cards, Kakao Pay, Naver Pay	South Korea	One-time and recurring payments	Local currency presentment is required
Samsung Pay, PAYCO	South Korea	One-time payments only	Local currency presentment is required
UPI	India	One-time and recurring payments	Local currency presentment is required
Pix	Brazil	One-time and recurring payments³	Local currency presentment is required
Bancontact	Belgium	One-time and recurring payments	Local currency presentment is required.

¹Adaptive Pricing is automatically available for one-time use Managed Payments and handles local currency conversion on your behalf. If a payment method is supported on Adaptive Pricing, you don’t need to handle local currency presentment for the payment method to appear on your checkout.

²Klarna only supports one-time payments for Managed Payments. You can accept Klarna for recurring payments for checkout sessions that don’t use Managed Payments. Learn how to set up future Klarna payments.

³Pix doesn’t support daily subscriptions.