Who holds the liability for usage of the merchant’s platform?

The end users hold liability when linking their accounts via Stitch. Stitch exists solely as a technology layer that submits payment instructions for a user’s bank account. Because Stitch do not own or control that account, Stitch  legally cannot be held liable for funds moving into or out of it.

To ensure transparency with end users, disclaimers are shared about this liability and list terms of usage in the Stitch terms and conditions when they link their accounts with us.