Capabilities Overview

    Learn about capabilities and some of the use cases they support.

    This page explains capabilities, how each capability functions, and illustrates some use cases they support. After completing your platform profile, Stripe provides recommendations for your integration and enables some capabilities for your account. You can test capabilities in test mode before completing the platform profile, but you won’t be able to use them in live mode.

    Capabilities framework

    You can think of capabilities as permissions that are applied to a connected account: they enable specific functionality on individual accounts, and consequently determine the information that needs to be collected from your users to verify accounts before they go live. These requirements are determined by government regulations that vary widely across the world.

    To make onboarding as easy as possible for your platform, users, and Stripe you should only use the capabilities you require. If you request more capabilities than your accounts need, it’s likely that more information will need to be collected from your users.

    For example, a business like Lyft can use the platform_payments capability to specify that drivers can receive payments from Lyft’s platform with a simple onboarding flow—the regulatory requirements are minimal. And businesses like Shopify can use the card_payments capability to enable sellers to accept payments directly from their customers. Requirements are generally more stringent for connected accounts that process payments and using the card_payments capability ensures that appropriate information is collected.

    The currently supported capabilities are:

    Capabilities don’t currently apply to local payment methods, but Stripe plans to add them as more features are enabled for our accounts. For example, Klarna payments and card issuing are two capabilities we expect to add in the future.

    Platform payments in detail

    Connected accounts with this capability receive payments from the platform. On-demand platforms often use this capability so they can pay their connected accounts. For example, a ride-hailing platform (e.g., Lyft) would use this capability so they can pay their drivers. The diagram below helps illustrate the flow of funds and the relationship between the customer, platform, and connected account.

    Relationship between the customer, connected account, and platform.

    Your platform’s information is displayed on the customer’s bank statement when you process charges this way, rather than the connected account’s. This is because the charges are processed on your platform, instead of the connected accounts.

    You can use platform_payments with the following account and charge types:

    Account types Charge types Stripe's recommendation
    Express with destination charges

    Card payments in detail

    Connected accounts with this capability process their own card payments (they can also receive payments from the platform without having to add the platform_payments capability). E-commerce platforms often use this capability so their connected accounts can collect payments from customers. For example, an e-commerce platform (e.g., Shopify) would use this capability so each storefront can collect payments. The diagram below helps illustrate the flow of funds and the relationship between the customer, platform, and connected account.

    Relationship between the customer, connected account, and platform.

    Connected accounts with the card_payments capability have their statement descriptor displayed on the customer’s bank statement, not the platform’s.

    You can use card_payments with the following account and charge types:

    Account types Charge types Stripe's recommendation
    Standard with direct charges

    Next steps

    You can expand on what you’ve learned here by reading these other pages:

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