Payments terms

Effective 22/10/2026 · Version 2026-10-v2

How Stakkd Payments works

• Payments are processed by Stripe, not by Stakkd. When you switch on Stakkd Payments you set up a Stripe account inside Stakkd and accept Stripe’s Connected Account Agreement, which includes the Stripe Services Agreement. Stripe carries out identity and business checks and decides whether to approve your account.

• You are the merchant. The sale is between you and your customer. Your business name appears on your customer’s card or bank statement.

• Your customers can pay by card or by Pay by Bank. With Pay by Bank your customer approves the payment in their own bank’s app, and no card details are used. When we offer card readers, you can also take card payments in person.

• You manage Stakkd Payments inside the Stakkd app: set up and update your account under Settings → Integrations → Payments, and see payments, payouts and disputes on the Payments page. You do not need a separate Stripe dashboard.

• Stakkd is a software provider. We are not a bank or a payment institution. We never hold your money. Money goes from your customer to your Stripe balance and from there to your bank account.

• Stakkd Limited is a company registered in England and Wales (company number 17335891), registered office 124-128 City Road, London, England, EC1V 2NX.

Who can use it

• You must be a business based in the United Kingdom with a UK bank account.

• The details you give Stripe must be true and kept up to date.

• You must not take payments for anything on Stripe’s list of restricted businesses. Stripe can restrict or close an account that breaks its rules. That decision is Stripe’s and we cannot overturn it.

Fees

• Stripe charges you its fees, including a processing fee on each card and Pay by Bank payment, and takes them from your Stripe balance before paying you. The rates are Stripe’s published UK rates and are shown in your payments settings. Stripe can change them.

• Stakkd’s platform fee is 0% today. Stakkd Payments is part of the payment processing module, which is priced as shown in your plan.

• If we ever introduce a Stakkd platform fee, it will apply to card payments only, never to Pay by Bank. We will tell you at least 30 days before it starts and you can switch Stakkd Payments off before then. If you refund a card payment that carried a platform fee, we refund the fee in proportion to the amount refunded.

• You must not add a charge for paying by card. UK law bans surcharges on consumer debit and credit cards. Your customer pays the invoice total and nothing more.

Getting paid

• Stripe pays your balance into your bank account on Stripe’s payout schedule. We do not control the timing.

• Stripe can delay a payout or hold a reserve, for example while it verifies your account or if there are disputes. We will show you the account status Stripe gives us.

Refunds

• You can refund a payment in full or in part from the invoice in Stakkd. Only users you have given the refund permission can do this.

• The refund comes out of your Stripe balance. If the balance is too low Stripe may take it from your bank account.

• Stripe does not give back its processing fee when you refund. A full refund still costs you the original fee.

• Your refund policy and your obligations under consumer law are your responsibility.

Disputes and chargebacks

• If your customer disputes a card payment with their bank, Stripe takes the disputed amount from your balance and charges its dispute fee. If you win the dispute Stripe returns the amount. Pay by Bank payments have no chargebacks.

• You respond to a dispute with evidence on the Payments page in Stakkd. Stakkd tells you when a dispute is opened and when evidence is due.

• You are responsible for disputes and chargebacks, including responding to them. If your Stripe balance goes negative, Stripe can recover the amount from you under its agreement with you. Stakkd does not cover a negative balance or collect it from you.

Your responsibilities

• Send accurate invoices and supply what you invoice for.

• Charge and account for VAT correctly.

• Deal with your customers’ questions and complaints about payments.

• Keep your Stakkd logins secure and give payment and refund permissions only to people you trust.

• Do not use Stakkd Payments to pay yourself, to move money for someone else, or for anything illegal.

Payment details and security

• Your customer enters card details on a page hosted by Stripe. Card numbers never pass through or get stored on Stakkd’s systems. With Pay by Bank your customer approves the payment in their bank’s app, and Stakkd never sees their bank login or account details.

• For each payment Stakkd stores a payment reference, the payment method (card or Pay by Bank), the amount, Stripe’s fee, the date and the status. For a card payment it also stores the card brand and the last four digits. For a Pay by Bank payment it stores no bank account details. This is so you and your customer can recognise the payment.

Personal data

• For your customers’ personal data you are the controller and Stakkd processes it on your behalf, on the data processing terms in our Terms of Service.

• Stripe is an independent controller for the data it needs to process payments and prevent fraud. Stripe’s privacy policy applies to that.

• See our Privacy Policy for what Stakkd collects.

Accounting sync

• If you connect accounting software, Stakkd records each payment at the full amount your customer paid and records Stripe’s fee as a separate expense. You choose the expense account and tax code. Stripe’s fees are generally exempt from VAT, so check the tax code with your accountant.

• The figures are provided to help you. You are responsible for your own books and tax returns.

Test mode

Trial, demo and sandbox accounts can only take test payments. No real money moves in test mode.

If your Stakkd subscription lapses

If your Stakkd account becomes read-only because of an unpaid subscription, your customers can still pay invoices you have already sent, and those payments are still recorded. You cannot send new invoices or issue refunds from Stakkd until the account is active again.

Suspension and changes to the service

• We can pause Stakkd Payments for your account if Stripe requires it, if the law requires it, or if we reasonably suspect fraud or a breach of these terms. We will tell you why unless the law stops us.

• Payments depend on Stripe. If Stripe is unavailable, payments are unavailable. We may change the payment provider behind Stakkd Payments. If that needs you to do anything we will give you notice.

Liability

• We are not responsible for Stripe’s decisions or actions, including account checks, holds, reserves, reversals and closures, or for losses caused by your customer’s bank.

• Nothing here limits liability that cannot be limited by law. Otherwise the limits in our Terms of Service apply to Stakkd Payments too.

Switching off and leaving

• You can switch Stakkd Payments off at any time in settings. Payments already made, and any later refunds or disputes on them, continue to be handled.

• Your Stripe account was opened through Stakkd and is managed through Stakkd. If you leave Stakkd, Stripe pays out your remaining balance to your bank account in the normal way. Contact us if you need help with this.

Changes to these terms

We may update these terms. If a change is significant we will ask an administrator on your account to accept the new version before you can continue to use Stakkd Payments. We record who accepted each version and when.

Law

These terms are governed by the law of England and Wales and the courts of England and Wales have exclusive jurisdiction.