Minimum verification requirements for: Austria

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Austria

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Australia

All accounts in this country eventually require all of the following fields if they process enough volume.

Additional verification requirements for: Australia

Some merchants in this country may be required to provide the following additional fields depending on our ability to verify their identity. Some merchants are never asked for this information, even after processing considerable volume.

Minimum verification requirements for: Belgium

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Belgium

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Canada

All accounts in this country eventually require all of the following fields if they process enough volume.

Additional verification requirements for: Canada

Some merchants in this country may be required to provide the following additional fields depending on our ability to verify their identity. Some merchants are never asked for this information, even after processing considerable volume.

Minimum verification requirements for: Switzerland

All accounts in this country eventually require all of the following fields if they process enough volume.

Additional verification requirements for: Switzerland

Some merchants in this country may be required to provide the following additional fields depending on our ability to verify their identity. Some merchants are never asked for this information, even after processing considerable volume.

Minimum verification requirements for: Germany

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Germany

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Denmark

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Denmark

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Spain

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Spain

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Finland

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Finland

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: France

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: France

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: United Kingdom

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: United Kingdom

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Hong Kong

All accounts in this country eventually require all of the following fields if they process enough volume.

Additional verification requirements for: Hong Kong

Some merchants in this country may be required to provide the following additional fields, depending on our ability to verify their identity. Some merchants are never asked for this information, even after processing considerable volume.

Verification FAQ for: Hong Kong

Do I have to be a resident of Hong Kong to use Stripe in Hong Kong?

No. As long as your business is legally registered in Hong Kong (with a Business Registration Number), and you have a business and tax ID, you don’t need to be a Hong Kong resident to use Stripe in Hong Kong.

As a non-resident, you won’t have an HKID (Hong Kong Identity Number). Instead, use your passport number to activate your account. (A Hong Kong driver’s license will not be accepted for account activation or verification.)

Once you’ve submitted your account application, we will contact you to upload a copy of your government-issued photo ID. Please provide this copy as follows:

• We need a color photo of your ID. You can take this with a phone, webcam, or scanner.

• We accept JPEG and PNG file formats.

• We cannot accept PDFs for verification.

Do I have to own a business to use Stripe in Hong Kong?

You don’t need to have a Hong Kong–registered business to sign up. However, if you have no Hong Kong-registered business, you’ll need an HKD-denominated bank account and a valid HKID (which is indicative of residency in Hong Kong).

What is the equivalent of an SSN/SIN (Social Security Number/Social Insurance Number) in Hong Kong?

The equivalent is the HKID Number (Hong Kong Identity Number). This has the format X123456(A), where:

• X can be one or two letters
• A can be 0–9 or the letter A
• Examples: E364912(5) or C668668(E)

What is a Business Registration Number, and why do I need one?

We are required to perform a thorough set of KYB (Know Your Business) and KYC (Know Your Customer) checks on all of our users. These checks are required by our banking partners, and are performed for all Stripe users, regardless of the country where they are based.

As part of these checks, we are required to verify that a user is actually based in the country where their Stripe account is located. Collecting your Business Registration Number allows us to confirm this.

However, if you do not have a Business Registration Number because you are operating as an individual, please instead provide your HKID when activating your account.

Bank Details FAQ for: Hong Kong

How do I enter my bank account details?

A Hong Kong bank account number consists of up to 15 digits, in three components:

• Bank code or clearing code: three digits

• Branch code: three digits

• Account number: six to nine digits long (varies from bank to bank), including a hyphen

Be sure to enter your bank account number with a hyphen, even if it is displayed without a hyphen on your bank statement.

I entered my bank account number as "004-406-789789-89" or "406-789789-89"—why isn’t this working?

In this case, you have included the bank code or branch code, or both, in your account number. Hong Kong banks often append the branch code to the account number. To identify and remove the non-account digits, you can:

• Check your bank statement or wire instructions.

• Check this list of Hong Kong bank and branch codes.

• Double-check the branch address against this list, and make sure it matches.

• Contact your bank to double-check your account details. (For example, the same address might have multiple branch codes.)

What is the beneficiary name and what should I enter?

It is important that the beneficiary name and type on your account—that is, the personal or business entity—match the name and type associated with your HKD bank account. (Some bank branches will reject transfers containing mismatching data.) Specifically:

• If your Stripe legal entity is a sole proprietorship or an individual, you must attach an individual bank account with your personal legal name as the beneficiary name.

• If your Stripe legal entity is a corporation or a partnership, you must attach a business bank account with the business name as the beneficiary name.

Minimum verification requirements for: Ireland

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Ireland

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Italy

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Italy

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Japan

All accounts in this country eventually require all of the following fields if they process enough volume.

Additional verification requirements for: Japan

Some merchants in this country may be required to provide the following additional fields depending on our ability to verify their identity. Some merchants are never asked for this information, even after processing considerable volume.

Identity verification documents must have been issued in Japan and show the individual's residency status.

Additional suggestions for: Japan

Submitting account information for Japanese accounts is unique in that Stripe requires both kana and kanji name variations for a number of fields:

• first_name_kana
• first_name_kanji
• last_name_kana
• last_name_kanji
• business_name_kana
• business_name_kanji
• address_kana
• address_kanji
• personal_address_kana
• personal_address_kanji

You need to submit information for these attributes instead of their non-variation counterparts (i.e., in lieu of first_name, last_name, etc.). It may seem counterintuitive to provide two fields that represent the same single attribute, but Stripe can't verify a Japanese account until we've received information for both variations. These variations may be composed of full or half-width hiragana, katakana, or Latin characters, with kanji attributes also allowing for kanji characters.

Addresses in Japan

The kana and kanji requirements extend to Japanese addresses as well.

postal_code is always required when providing a Japanese address of either variation. Stripe validates submitted addresses, and for a valid postal_code, we attempt to automatically fill attributes for matching state, city, and town for both address_kana and address_kanji. Requests with address details that are incompatible with the provided postal_code fail.

line2 should contain the building name in addition to the room number when available. This attribute can be omitted when the address does not contain building details.

Here's an example representation of the following Japanese address, with explanations for how each part maps to its corresponding Stripe API attribute:

// 〒150-0001 東京都渋谷区神宮前3-27-15 FLAG 3A
{
  "country": "JP",
  "legal_entity": {
    "address_kana": {
      "country": "JP", // 2-letter country code
      "postal_code": "1500001", // Zip/Postal Code
      "state": "ﾄｳｷﾖｳﾄ", // Prefecture
      "city": "ｼﾌﾞﾔ", // City/Ward
      "town": "ｼﾞﾝｸﾞｳﾏｴ 1-", // Town/cho-me
      "line1": "5-8", // Block/Building number
      "line2": "ｼﾞﾝｸﾞｳﾏｴﾀﾜｰﾋﾞﾙﾃﾞｨﾝｸﾞ22F", // Building details (optional)
    },
    "address_kanji": {
      "country": "JP", // 2-letter country code
      "postal_code": "１５００００１", // Zip/Postal Code
      "state": "東京都", // Prefecture
      "city": "渋谷区", // City/Ward
      "town": "神宮前　１丁目", // Town/cho-me (no kanji numerals)
      "line1": "５－８", // Block/Building number
      "line2": "神宮前タワービルディング22F", // Building details (optional)
    }
  }
}

Minimum verification requirements for: Luxembourg

All accounts in this country eventually require all of the following fields if they process enough volume.

For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names. When you have collected information on all the directors for a company, you need to attest this by setting company[directors_provided] to true. This lets Stripe know that you have completed this requirement.

Additional verification requirements for: Luxembourg

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Netherlands

All accounts in this country eventually require all of the following fields if they process enough volume. For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names.

Additional verification requirements for: Netherlands

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Norway

All accounts in this country eventually require all of the following fields if they process enough volume.

Additional verification requirements for: Norway

Some merchants in this country may be required to provide the following additional fields depending on our ability to verify their identity. Some merchants are never asked for this information, even after processing considerable volume.

Minimum verification requirements for: New Zealand

All accounts in this country eventually require all of the following fields if they process enough volume.

Additional verification requirements for: New Zealand

Some merchants in this country may be required to provide the following additional fields depending on our ability to verify their identity. Some merchants are never asked for this information, even after processing considerable volume.

Minimum verification requirements for: Portugal

All accounts in this country eventually require all of the following fields if they process enough volume. For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names.

Additional verification requirements for: Portugal

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Sweden

All accounts in this country eventually require all of the following fields if they process enough volume. For companies, all information must be submitted for the business representative and any beneficial owner. Directors only need to provide first and last names.

Additional verification requirements for: Sweden

If it becomes necessary for identity verification, the account opener and any beneficial owner associated with the account may need to provide the following additional information.

Minimum verification requirements for: Singapore

All accounts in this country eventually require all of the following fields if they process enough volume.

Additional verification requirements for: Singapore

Some merchants in this country may be required to provide the following additional fields depending on our ability to verify their identity. Some merchants are never asked for this information, even after processing considerable volume.

Minimum verification requirements for: United States

Verification requirements differ based on:

• The country connected accounts are created in.
• The capabilities connected accounts requested.
• The business type (e.g., individual, company).

If you already know the business type you want to view requirements for, click the link below:

• Companies, LLCs, and partnerships with the transfers capability
• Individuals and sole proprietorships with the transfers capability
• Companies, LLCs, and partnerships with the card_payments capability
• Individuals and sole proprietorships with the card_payments capability

Companies, LLCs, and partnerships with the transfers capability

The table below lists the requirements for connected accounts with the transfers capability that have a business type of company (company is also used for LLCs and partnerships). After the information to enable transfers is collected, payouts are enabled as well. However, to keep payouts enabled, you need to collect additional requirement information.

Threshold information

In addition to the onboarding requirements, there is a second threshold to keep payouts enabled, which depends on the risk level of your platform. For transfers on low-risk platforms, the company.tax_id (EIN) needs to be verified before $10K USD in charges. For normal-risk platforms, the threshold is $3K USD.

Verification attempts can take minutes or, if it's a manual review, hours to complete. If Stripe is unable to verify the information, the account is updated and a webhook is sent to your platform.

Additional information

By default, the requirements for transfers do not collect all information at the appropriate thresholds to file IRS Form 1099-K or Form 1099-MISC. If your business is required to file these forms with the IRS or other state agencies, make sure to collect the business address and tax ID when onboarding new users.

Individuals and sole proprietorships with the transfers capability

The table below lists the requirements for connected accounts with the transfers capability that have a business type of individual. After the information to enable transfers is collected, payouts are enabled as well. However, to keep payouts enabled, you need to collect additional requirement information.

Threshold information

In addition to the onboarding requirements, there is a second threshold to keep payouts enabled, which depends on the risk level of your platform. The following information on the individual needs to be collected and verified before $10K USD in charges for low-risk platforms, and before $3K USD for normal-risk platforms:

• individual.dob.day
• individual.dob.month
• individual.dob.year
• individual.ssn_last_4

Verification attempts can take minutes or, if it's a manual review, hours to complete. If Stripe is unable to verify the information, the account is updated and a webhook is sent to your platform.

Additional information

If the individual fails verification or the person doesn't have an SSN, an ID document scan is required to keep payouts enabled. This information can be collected with the verification.document.front and verification.document.back arguments.

By default, the requirements for transfers do not collect all information at the appropriate thresholds to file IRS Form 1099-K or Form 1099-MISC. If your business is required to file these forms with the IRS or other state agencies, make sure to collect the business address and tax ID when onboarding new users.

Companies, LLCs, and partnerships with the card_payments capability

The table below lists the requirements for connected accounts with the card_payments capability that have a business type of company (company is also used for LLCs and partnerships). The left column lists the required information to enable card payments. The right column lists the information that's required to enable payouts.

Additional information

To enable card payments, a validated city, state, and ZIP code for company.address is required. Card payments will be disabled if the company.tax_id (EIN) hasn't been verified before 30 days or $1500 USD in payments, whichever comes first.

To enable payouts, company.address needs to be a validated full address and the company.tax_id (EIN) needs to be verified. Payouts will be disabled if a full address hasn't been validated before 30 days or $1500 USD in payments, whichever comes first.

This connected account needs to be activated by a person, known as an account opener, with significant responsibility to control, manage, or direct your organization; and is authorized by your organization to agree to Stripe's terms. The account opener must either be an owner or an executive, which you specify by setting relationship[owner] to true or relationship[executive] to true. If Stripe is unable to verify the account opener or if the person does not have an SSN, you need to collect a scan of an ID document to enable card payments. This information can be collected with the verification.document.front and verification.document.back arguments.

Information on all owners with 25 percent or more ownership of the company must be collected. If Stripe is unable to verify an owner or if an owner does not have an SSN, you need to collect a scan of an ID document to enable card payments. This information can be collected with the verification.document.front and verification.document.back arguments.

If there are any unverified owners in the company, payouts on the connected account can become disabled at $750K USD in charges and charges can become disabled at $1 million USD, unless the following information is collected and verified within 90 days:

• relationship.owner.dob.day
• relationship.owner.dob.month
• relationship.owner.dob.year
• relationship.owner.address
• relationship.owner.ssn_last_4
• relationship.owner.phone

Optionally, you can collect company ownership information. This can be done using the relationship.owner and relationship.percent_ownership attributes. Set relationship.owner to true and relationship.percent_ownership to the user’s ownership percentage. If relationship.percent_ownership is unspecified, the default is 25 percent.

Verification attempts can take minutes or, if it’s a manual review, hours to complete. If Stripe is unable to verify the information, the account is updated and a webhook is sent to your platform.

Individuals and sole proprietorships with the card_payments capability

The table below lists the requirements for connected accounts with the card_payments capability that have a business type of individual. The left column lists the required information to enable card payments. The right column lists the information that's required to enable payouts.

Additional information

To enable card payments, a validated city, state, and ZIP code for individual.address is required.

To enable payouts, individual.address needs to be a validated full address. Payouts will be disabled if a full address hasn't been validated before 30 days or $1500 USD in payments, whichever comes first.

If the individual fails verification with ssn_last_4, then the full SSN is required and their identity needs to be verified in order to enable card payments. Use the individual.id_number argument to collect this information.

Verification attempts can take minutes or, if it's a manual review, hours to complete. If Stripe is unable to verify the information, the account is updated and a webhook is sent to your platform.