Recipient Terms of Service

Last updated: March 4, 2026

1. Overview

These Recipient Terms of Service ("Recipient Terms") govern your use of Flint Pay's platform as a recipient of payments. By completing the onboarding process and receiving payments through Flint Pay, you agree to these Recipient Terms in addition to the Terms of Service.

2. Payment Processing Relationship

Payment processing services for recipients on Flint Pay are provided by Stripe and are subject to the Stripe Connected Account Agreement, which includes the Stripe Terms of Service (collectively, the "Stripe Services Agreement"). By agreeing to these Recipient Terms, you also agree to be bound by the Stripe Services Agreement, as modified by Stripe from time to time.

3. Identity Verification

As a payment recipient, you are required to provide accurate and complete information during the onboarding process for identity verification (Know Your Customer / Anti-Money Laundering) purposes. This information is shared with our payment processing partner, Stripe, to verify your identity and ensure compliance with applicable financial regulations. You agree to promptly update your information if it changes.

4. Payouts and Settlement

Funds from transactions processed through Flint Pay will be settled to the bank account you provide during onboarding, subject to the payout schedule and any applicable holds or reserves. Flint Pay and Stripe reserve the right to delay, suspend, or withhold payouts in cases of suspected fraud, disputes, excessive chargebacks, or regulatory requirements.

5. Fees

As a recipient, you agree to the fee schedule presented during onboarding and on our pricing page. Fees are deducted from transaction proceeds before settlement. We will provide at least 30 days' notice of any fee changes.

6. Chargebacks and Disputes

You are responsible for all chargebacks, disputes, and refund obligations arising from transactions processed through your account. Flint Pay may debit your account or withhold future payouts to cover chargebacks, dispute fees, and related costs. You agree to cooperate with us and our payment processing partner in resolving disputes.

7. Prohibited Activities

In addition to the restrictions in our general Terms of Service, recipients may not:

  • Process transactions for goods or services not actually provided
  • Submit transactions on behalf of another business without disclosure
  • Manipulate transaction amounts or engage in transaction laundering
  • Use the Services to process transactions for businesses or activities prohibited by Stripe's Restricted Businesses list

8. Account Suspension and Termination

Flint Pay may suspend or terminate your recipient account at any time if we reasonably believe you have violated these Recipient Terms, the general Terms of Service, or the Stripe Services Agreement. Upon termination, any pending payouts may be held for up to 120 days to cover potential chargebacks and disputes.

9. Tax Obligations

You are solely responsible for determining and fulfilling your tax obligations related to payments received through the Services. Flint Pay may be required to report payment information to tax authorities as required by law (e.g., IRS Form 1099-K).

10. Data Handling

Your use of customer data received through the Services is subject to our Privacy Policy. You agree to handle all customer personal data in compliance with applicable data protection laws and to maintain reasonable security measures to protect such data.

11. Governing Law

These Recipient Terms are governed by the governing law and dispute resolution provisions in our general Terms of Service.

12. Changes to Recipient Terms

We may update these Recipient Terms from time to time. We will notify you of material changes at least 30 days before they take effect. Your continued use of the Services after changes take effect constitutes acceptance of the updated Recipient Terms.

13. Contact

If you have questions about these Recipient Terms, contact us at support@withflintpay.com.