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Stripe

Vannus has not established which model this vendor runs, and does not infer one. Every finding below is quoted to the vendor’s own document, or marked not disclosed where the vendor publishes nothing.

Determination
Contracting entity depends on your region or order form — read the clause.
stripe.com · read 2026-09-26
read from a master agreement
Contracting entity
Stripe, LLC for Users whose Stripe Account Country is the United States; Stripe Payments Europe, Limited for the EEA, Gibraltar, Switzerland, the United Kingdom, the United Arab Emirates and Hong Kong; and a separate named entity for each other listed country (Section 12)
Jurisdiction
United States (Stripe, LLC) for US Users; Ireland (Stripe Payments Europe, Limited) for the EEA and the named European and Gulf markets; a separate country per listed market elsewhere
Governing law
Region-dependent. Section 11.3 says the Agreement and any disputes between User and Stripe are governed by the Governing Law specified in the Regional Terms; Section 13 then sets it per region — the laws of the state of California for Users in the United States, with AAA arbitration held in San Francisco and, for claims not subject to arbitration, exclusive personal jurisdiction in the federal courts for the Northern District of California and the state courts in San Mateo County; the laws of Ireland for the European Economic Area and the United Arab Emirates, with ICC arbitration in Dublin; the laws of England and Wales for the United Kingdom, Switzerland and Gibraltar; and the local law named for each other listed country (Ontario for Canada, New South Wales for Australia, Singapore for Hong Kong and Singapore, Japan, Mexico, Brazil, Malaysia, New Zealand, Thailand, Indonesia, Bangalore India). Countries not listed fall back to the United States Regional Terms in the Americas and to Ireland in the rest of the world.
US corporate control
More than one contracting entity is on record, and which one a buyer signs with depends on facts about the buyer, such as where it is. The record does not establish US corporate control on every track, so it makes no single finding on US legal reach. the rule
Depends on
The contracting entity depends on your region or order form: read the clause for your position. The agreement is under a governing law that depends on where the customer is based.

Payment processing and financial infrastructure for internet businesses

payments, infrastructure, e-commerce
What the vendor's own documentation says
Stripe’s Payments Foundation Model is trained on tens of billions of transactions, and captures hundreds of subtle signals about each payment that specialized models can’t.
stripe.com ↗ Vendor-sourcedQuote re-checked 19 Oct 2026
Who controls it
US corporate controlRegion-dependent — a US entity contracts in some regions; elsewhere non-US entities do. Stripe Payments Europe, Limited has a sourced US parent, STRIPE GLOBAL HOLDINGS INC., per the vendor's own LEI filing, entity-supplied; for any other non-US entity, whether a US company controls it is not established · clause re-checked 19 Oct 2026
Contracting entityStripe, LLC for Users whose Stripe Account Country is the United States; Stripe Payments Europe, Limited for the EEA, Gibraltar, Switzerland, the United Kingdom, the United Arab Emirates and Hong Kong; and a separate named entity for each other listed country (Section 12)
Governing lawRegion-dependent. Section 11.3 says the Agreement and any disputes between User and Stripe are governed by the Governing Law specified in the Regional Terms; Section 13 then sets it per region — the laws of the state of California for Users in the United States, with AAA arbitration held in San Francisco and, for claims not subject to arbitration, exclusive personal jurisdiction in the federal courts for the Northern District of California and the state courts in San Mateo County; the laws of Ireland for the European Economic Area and the United Arab Emirates, with ICC arbitration in Dublin; the laws of England and Wales for the United Kingdom, Switzerland and Gibraltar; and the local law named for each other listed country (Ontario for Canada, New South Wales for Australia, Singapore for Hong Kong and Singapore, Japan, Mexico, Brazil, Malaysia, New Zealand, Thailand, Indonesia, Bangalore India). Countries not listed fall back to the United States Regional Terms in the Americas and to Ireland in the rest of the world.
Trains on your dataYes, by default — on the vendor's default plan

This page gives the finding and links the document it comes from. The AI Subprocessor Jurisdiction Report ($299) quotes the clause this finding rests on, and the clause for each other vendor in your stack where the report can quote one, in one dated document you can hand to an auditor.

Training and retention posture varies by plan. What we publish above describes the vendor’s default plan; enterprise, team and API agreements frequently differ, often materially, and a contract can override the published default entirely. Check your own plan and contract before relying on this row.

On U.S. CLOUD Act reach specifically: the statute reaches a provider subject to U.S. jurisdiction over data in its possession, custody or control. Corporate control is a strong indicator of that and it is what we can evidence from published documents — but it is not the whole test. A company founded outside the U.S. can still contract through a U.S. entity or run substantial U.S. operations. Treat this as a starting point for your own review, not a legal determination, and take advice on anything that matters.

Record history

This is the history of our record of this vendor: when we first recorded it; each time one of these changed: the determination sentence, the contracting entity, its country, the governing law, the US-control finding, what the answer depends on, the note beside the finding, or the cited document; and each time the vendor's document was read again and none of them changed. A change only in capitals, punctuation or spacing is not a line, and neither is a first document title. A line names what changed and does not repeat what those fields said before; the determination above says what they say now. Where the determination sentence itself changed, the line shows the earlier sentence too, marked as before, with why it changed. The automated re-check's latest result is not a line here; it is printed beside the clause above. A change here may be the vendor changing its document or us correcting our reading of it, and a line says which only where the record shows it; otherwise it says the cause is not established. Each line is today's reading of the record as it stood on that date. A reading we later found its citation does not carry was withdrawn, and is not repeated here. This history as data.

Who else handles your data

Stripe publishes a list of the other companies it uses as sub-processors. It lists 50 entries, and some name the same company more than once, for different purposes. Each is shown below with the location the vendor lists it under, in the vendor’s own words.

Amazon Web Services, Inc. · United StatesAmazon Internet Services Private Limited · IndiaMicrosoft Corporation (Microsoft Azure) · United StatesSnowflake, Inc. · United StatesSprinklr, Inc. · United StatesSalesforce, Inc. · United StatesTwilio, Inc. · United StatesIntuition Machines, Inc. · United StatesVerifi, Inc. · United StatesJack Henry & Associates, Inc. · United StatesInscribeAI, Inc. · United StatesTELUS International (Cda) · IrelandAML Rightsource · United StatesTeleperformance Colombia S.A.S. · ColombiaTDCX (MY) SDN. BHD. · MalaysiaCognizant Worldwide Limited · Philippines, IndiaWNS Global Services (UK) International Limited · United Kingdom, IndiaMicrosoft Corporation · United StatesFrontApp, Inc. · United StatesAdish Co., Ltd. · JapanLoanProSoftware, LLC · United StatesJanuary Technologies, Inc. · United StatesTrulioo Information Services, Inc. · CanadaLondon Stock Exchange Group plc · United StatesData Zoo Pty Limited · AustraliaShufti Pro Limited · United KingdomLexisNexis Risk Solutions FL, Inc. · United StatesEkata, Inc. · United StatesLob.com, Inc. · United StatesAmazon Web Services, Inc. · United StatesDatabricks, Inc. · United StatesGoogle LLC · United StatesMicrosoft Corporation · United StatesSnowflake Inc. · United StatesLegalInc.com, Inc. · United StatesFreedomPay, Inc. · United StatesPPRO Payment Services S.A. · LuxembourgPayla Services GmbH · GermanyNETSTARS Co., Ltd. · JapanDocuSign, Inc. · United StatesGoogle, LLC · United StatesMarketo, Inc. · United StatesSalesforce.com, Inc. · United StatesZoom Video Communications, Inc. · United StatesEkata, Inc. · United StatesLegitScript, LLC · United StatesUser and Sales support service providers · VariousVerification service providers · VariousIdemia America Corp. · United StatesVarious fulfillment and distribution partners, such as Rush Order, Inc., VeriFone, Inc., POS Portal, Inc./ScanSource, Inc., Flexport, Inc., Federal Express Corporation, POSDATA Group, Inc., Technology Recovery Group Ltd., TRG Poland Sp. z o.o., and UKPR Terminal Services Limited · Various

Taken together those entries name at least Australia, Canada, Colombia, Germany, India, Ireland, Japan, Luxembourg, Malaysia, Philippines, United Kingdom, United States. That is what our place list could match in the vendor’s own words above, so treat it as a floor rather than the whole of it — the entries themselves are the record.

These are other companies, not Stripe. Where a sub-processor is listed as operating is a fact about that company. It is not a statement about where Stripe keeps your data, which Vannus publishes separately and only from a document in which the vendor says so.

The same document also lists 41 entries for Stripe’s own corporate group, or for companies that carry its name. They are counted separately from the entries above, which are other companies.

Read from stripe.com on 2026-09-28, from the page the vendor titles “Stripe Service Providers, Sub-Processors & Affiliates”. Every entry above is a verbatim span of that page.

This is the vendor’s own disclosure, reproduced. Vannus has not audited what any of these companies do with your data, and a list can change without notice. Treat it as a starting point for your own review, not a legal determination, and take advice on anything that matters.

Cite this record
Stripe: “Contracting entity depends on your region or order form — read the clause.”
Vannus, https://vannus.co/tool/stripe
stripe.com · read 2026-09-26

How you may reuse this record

How this entry is set

Vannus records, from the vendor's own published documents, the legal entity a customer contracts with, the country that entity sits in, and the governing law of its terms — and whether the vendor runs its own model or resells someone else's. Each finding is quoted to its source and dated, or marked not disclosed where the vendor publishes nothing. No paid placement on a record, in the catalog or in search — affiliate status is walled off from the record, enforced by a test in the build. See the methodology →

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