--- title: Connect onboarding requirements slug: connect-onboarding-requirements published_at: 2020-02-13 16:35:53 +0000 updated_at: 2023-01-30 22:51:04 +0000 summary: description: Join us for Stripe Developer Office Hours and ask your questions regarding the upcoming changes to Connect Onboarding Requirements. Our engineers will walk you through the basics of migrating an account with legacy_payments capability to the new card_payments and transfers capabilities. ## Resources Official Guide - https://stripe.com/docs/connect/connect-onboarding .env - https://pypi.org/project/python-dotenv/ Stripe CLI - https://github.com/stripe/stripe-cli ## Presenter CJ Avilla, Developer Advocate @ Stripe - https://twitter.com/cjav_dev ## Table of contents 00:05 Introduction 04:23 Stripe CLI installation and linking 05:00 Create legacy test connected account 07:07 Request card_payments and transfer capabilities 09:20 Review requirements hash 10:00 Update account with business type, profile, and URL 11:00 Update account with address, name, and tax ID 13:55 Add a person to the account 15:50 Review person requirements 16:04 Update person details 18:00 Review account requirements 19:25 Remove legacy_payments capability ### Support If you have a question, please feel free to reach out to our support team on Discord at https://stripe.com/go/developer-chat. ### Updates Sign up to stay updated with developer news: https://go.stripe.global/dev-digest ### Feedback If you have any feedback about this or other episodes, let us know: https://forms.gle/VjNqzRhotM2snYo88. #Stripe #Payments tags: [stripe, payments, connect, Stripe connect onboarding, Stripe Connect, Stripe Connect Onboarding Requirements, Onboarding Stripe Connect Accounts, Onboarding Stripe Accounts, @cjav_dev] views: 11821 author: CJ Avilla url: https://www.cjav.dev/videos/connect-onboarding-requirements youtube_url: https://www.youtube.com/watch?v=kzVZaXDWyVE youtube_id: kzVZaXDWyVE embed_url: https://www.youtube.com/embed/kzVZaXDWyVE thumbnail_url: https://i.ytimg.com/vi/kzVZaXDWyVE/hqdefault.jpg type: video --- # Connect onboarding requirements *Published: February 13, 2020* *Views: 11821* ## Watch [Watch on YouTube](https://www.youtube.com/watch?v=kzVZaXDWyVE) [![Connect onboarding requirements](https://i.ytimg.com/vi/kzVZaXDWyVE/hqdefault.jpg)](https://www.youtube.com/watch?v=kzVZaXDWyVE) ## Description Join us for Stripe Developer Office Hours and ask your questions regarding the upcoming changes to Connect Onboarding Requirements. Our engineers will walk you through the basics of migrating an account with legacy_payments capability to the new card_payments and transfers capabilities. ## Resources Official Guide - https://stripe.com/docs/connect/connect-onboarding .env - https://pypi.org/project/python-dotenv/ Stripe CLI - https://github.com/stripe/stripe-cli ## Presenter CJ Avilla, Developer Advocate @ Stripe - https://twitter.com/cjav_dev ## Table of contents 00:05 Introduction 04:23 Stripe CLI installation and linking 05:00 Create legacy test connected account 07:07 Request card_payments and transfer capabilities 09:20 Review requirements hash 10:00 Update account with business type, profile, and URL 11:00 Update account with address, name, and tax ID 13:55 Add a person to the account 15:50 Review person requirements 16:04 Update person details 18:00 Review account requirements 19:25 Remove legacy_payments capability ### Support If you have a question, please feel free to reach out to our support team on Discord at https://stripe.com/go/developer-chat. ### Updates Sign up to stay updated with developer news: https://go.stripe.global/dev-digest ### Feedback If you have any feedback about this or other episodes, let us know: https://forms.gle/VjNqzRhotM2snYo88. #Stripe #Payments ## Transcript we are making some important updates to connect to adapt to the evolving financial regulations and partner obligations that will impact the onboarding requirements and both and also optimize the experience for platforms and their users so in today's episode we'll outline what's new to connect and what changes you'll need to make to your stripe integration so Global Payments regulations aim to create a safer and more secure financial ecosystem by helping prevent crimes like tax evasion money laundering and fraud and so financial regulators around the world enforce kyc requirements that's a no your customer and it's to ensure that the identity information is collected and verified from certain types of businesses so these regulations are frequently updated by regulators and card networks and other financial institutions and the compliance rules have become more complicated and requirements can be you know they can vary by business model financial transaction type and country so for the platform's managing this complexity while minimizing like the friction to onboarding is an ongoing challenge and is especially so as you try to expand into those global markets so what's new at stripe were heavily invested in making these compliance tasks easier to manage so you the platform can focus on building your business so we're introducing updates to connect to continue to meet global onboarding requirements and also to optimize the onboarding experience for your users so we've got a new capabilities framework that's been introduced that ensures you're only collecting the necessary information from a user and that information can be customized based on you know the payment capabilities the connected accounts need like accepting payments from their customers or just accepting transfers from your platform along with other factors like their business type or country so the onboarding requirements are generally a little stricter for connected who's who are directly processing payments whereas depending on the market the onboarding requirements can be less strict for connected accounts who receive transfers or payouts from the platform so when you have these existing connected accounts they're gonna have the legacy capabilities but here are a couple of the new capabilities so we've got card payments this is where the connected account can accept card payments directly from their customers so then there's the transfers capability and that's when the platform accepts the card payments from customers and then transfers the funds to the connective account and there's some improvements also to the accounts API so you can now set capabilities when creating accounts and the new person's object that's in the accounts API will help you more easily identify and manage the identity verification information of those people that are related to that account so what does this all mean for your stripe integration now if you're onboarding standard connect accounts there's no action necessary we'll already set up the relevant capabilities for your users to collect the optimal amount of information and if you're onboarding Express or custom accounts you'll need to make some changes to your integration and request capabilities for both new and existing connected accounts so some connect platforms might need to collect additional information from those previously onboard it accounts in today's demo we'll use the stripe CLI to create a legacy connected account and then we'll show you the steps required for migrating that account using legacy payments to the new card payments and transfers capabilities so any account with only that legacy payments capability active will soon cease to successfully processed payments transfers and payouts until the new capabilities are enabled so it's really important that we get started and start upgrading the onboarding flows for these accounts so welcome back I'm CJ a developer support engineer here at stripe and today we're going to use the the stripe CLI as mentioned to show you how we can do this so if you don't have the stripe CLI installed you can use homebrew to install this with the brew install command there the next step is to stripe login and when you go through this process I'm already logged in it will authenticate your account and set up some some credentials for you I have stored my like test secret key in an environment variable called SK test this is just to make the the process a little simpler so the first thing we're going to do is create one of these older-looking connected accounts or just a stripe accounts create a custom one that has the external account set to this token MasterCard debit plans for success as the like sort of the backing external account and we're gonna request the old legacy payments capability and that that's gonna sort of like give us a way to have a connected account that is a custom Connect account that is synthetically one of these old-style accounts that has legacy payments so in the future you would not request legacy payments you're gonna want to request either transfers or card payments and transfers likely so the next thing we want to do is pass in the terms of a serve yeah the Terms of Service acceptance and that I'm gonna just use the time now and the IP address is going to be just a test IP address and I'm gonna pass in my API key here okay so this is going to create a new connected account D where did I probably spelt debit oh I did okay great so now we have a brand new connected account and if we scroll up to the top we see that we have these capabilities of legacy payments and that's active we have charges and payouts enabled that's fantastic I'm just going to grab this ID and set it as an environment variable so that we can use that for the next steps here okay the next step is that we want to let's say that this this account we want this account to receive payments directly from stripe so what we can do is request the card payments capability so we can say stripe accounts update that account and we want to pass it requested capabilities card payments right because they want to accept card payments council update requested capabilities strength accounts updating update okay that was on ice misspelled update okay so the error we get here let me just run that again so the the the error that we're getting back when we attempt to do that says we can't request card payments without transfers so in order to have that car payments capability we also need transfer so let's request that too okay so this should add to our requested capabilities list so in addition to legacy payments we now have card payments and transfers you'll see that card payments here is inactive that likely means that we have some requirements that we need to fulfill in order to enable card payments so the place where we can look to find what's needed for this account in order to enable card payments is in the requirements hash down below and so today the goal is going to be to make this car payments capability active and we'll walk through all the steps to sort of go through the green the green filled path of fulfilling all of the requirements and adding the representative and the person in order to enable that card payments capability okay so let's go ahead and look at the requirements hash so in the requirements hash we see that there are a number of things that are currently do the business profile type and then this relationship so we'll come back to the relationship later and right now we'll attempt to address business profile and business type now one thing worth mentioning is if you don't see this requirements hash you might need to upgrade your API over if you go to strike calm slash docks slash upgrades you can learn more about how to upgrade and we have some advice around you know the different things that were added along the way so for each API version that's been cut okay so let's update this stripe account and try to fulfill these three requirements so we want to pass the business profile MCC and URL and the business type so we want to update this account and now we're gonna pass business type is a company and the business profile is the MCC code 4121 and the URL is going to be just our very own rocket rides and the MCC code is going to depend on like the business type so you'll want to look that up okay so we are updating and now we have new requirements so you'll notice that as the type of account and as the attributes of the account change the things that are required for onboarding successfully also change so you'll come back and check out this requirement - so now we have to set the company's address the name phone tax ID and again we'll come back to that relationship later so let's work on the address so company address line one and before we go too far I want to show you the this test page so there is a connect slash doc slash connect slash testing has a bunch of values that you can pass into the API to trigger different behaviors so this is for four addresses when we're checking the verification conditions of addresses we'll want to pass address full match for a successful verification and as we go through the demo we'll use a lot of these other magic numbers so if you're wondering what values to pass in for date of birth or for you know for Social Security numbers or tax IDs those those values are likely on this test page so you'll want to make sure to bookmark that as you're going through testing and migrating so we use a dress full match here company address city is gonna be Fresno Company State I'll just mark it as California company dress postal code is good old nine oh two one oh and company phone is eight hundred eight six five three nine so one thing worth mentioning around the phone numbers is there is a phone number verification or validation that's going to check to make sure you're not sending bogus phone numbers even in test mode so you don't want a phone number that has a bunch of like consecutive twos so you wouldn't want like 802 tu-tu-tu-tu-tu-tu or something you want like a relatively legit phone number so just this is this is a good test one eight hundred eight six seven five three oh nine company yeah company tax ID is going to be nine zeros okay and let's see where we land after passing in those values so we still need to pass the company name and it looks like the company tax ID did not take so let's come back here and say the tax ID and then company name is gonna just be test and okay great so now in our requirements hash we only have the representative left so we're making good progress we've added everything directly to the account that we can add to the account in order to work through verification so the next step here is that we need to add details about a person that is related to this account now in in the older API you would pass in details of individuals related to the account on the account itself and when the account type is individual you still you still do that but when the account type is a company you now use the person API to create people that are related to that company so we're going to use the person API to create a person that is a they're the 100% owner of the company the founder of the company and they are going to act as the representative and they're gonna have 100% ownership so we'll go ahead and create that person here okay so the way this works is we say stripe create a person's create and we pass in the account ID and now we're going to say the relationship of that person is they are an owner and they are and a representative and they they have 100% ownership and they also they have the title founder and let's see I think that might be it to get started so we're gonna create a person related to that account and it's gonna have all these details okay we'll grab that person ID set it in an environment variable so we don't have to look up the ID every time and then similar to an account each person object also has a requirements hash that tells you what details are needed right now to to verify this person so it looks like we need to pass in the address the birthday email name phone and last four of the social security number here so we'll make that update so stripe person's update and pass in the leave the account first and then the person and then all of the details so we'll say address line one is address full-patch address city Fresno yes state is California email first name last four is going to have a test value of all zeros are four zeros okay so let's see if we have met most of the requirements here and it looks like we have the the only things that we have left to pass is the the birthday the date of birth here so we can pass in DOB day month year 1901 a 101 is going to be the test value for the birthday to pass that in and it looks like we don't have any currently due requirements for this person object anymore so that's great I think we're at a point where we want to go back and retrieve the account to see if there's any more requirements left for the account so we'll say stripe stripe accounts entry okay great alright so we're looking at the requirements hash here so we do have a pending verification that's okay there is going to be a little bit of a delay as all of those requirements are verified and we kind of like crunch through the data to make sure that everything looks right even in test mode it's going to take a bit of time so we still have payouts enabled we still we still have charges enabled because we are still on the legacy payments capability now the the card payments capability is pending but again that's going to just take a little bit of time now that we don't have any current requirements the servers are kind of crunching through to see if there's anything any other data that we might need to pass here ok so one other thing I want to show you is that we can manage these capabilities directly with the capabilities API so if we wanted to we can update our account to remove the legacy payments capability so here I'm gonna say capabilities update passing the account ID and legacy payments and say requested false that's going to remove that legacy payments capability so if we retrieve the account again here we'll see that now the card payments are active transfers are actives to the the time has passed in test mode here and we were able to successfully verify with all those test values and we achieved our goal which was to get this card payments capability into the active state so everything is looking looking great about this account we don't have any other requirements left and we have you know that the payouts are enabled charges are enabled so this account is looking great so thank you again so much for joining us we hope that this has had some some positive impact and adding clarity to the migration process and we're here for you want you to know that through this migration to the new optimized onboarding flow for connected accounts we're happy to answer any questions that you have we're always hanging out on IRC in the free note Channel if you if you jump on freenode and go into the striped channel we often have developers there that are happy to answer your questions we're also available at support stripe comm if you have any further questions and are curious about how this migration works so yep hope that was helpful we look forward to seeing you next time [Music] [Music] --- [Back to all videos](https://www.cjav.dev/videos) --- ## Hey Agent, thanks for visiting! 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