Should you use Connect?
Connect allows you to create separate Stripe accounts for each of your customers, with each account having a separate balance for their funds. Cards and cardholders are created under that separate account.
How to create an Issuing Connect account
Create Issuing-enabled custom connected accounts by following the custom connected accounts creation guide,
and request both the
card_issuing the account will be able to use Issuing-related features.
card_payments allows the account to access features such as top ups to fund the account.
Read more about requesting capabilities.
Required verification information
When you create connected accounts and request capabilities, the response returns a list of requirements. Collecting this information activates the capabilities and allows the account to approve authorizations.
The current requirements to activate the
card_issuing capability are:
- Legal entity
business_typeBusiness type (cannot be
company.tax_idEIN (Employer Identification Number), SSN are not allowed
business_profile.urlUrl or product description
- Representative (
last_nameLegal first and last name
dob.yearDate of birth
ssn_last_4Last 4 digits of the SSN
verification.documentID Document Scan (if all other methods of identification fail, this might help Stripe resolve the review process)
The representative is usually an executive or director, depending on where the account is located. They must be able to certify that the information provided is correct. See also beneficial owner.
card_payments read about the US-specific requirements.
Example of creating an account with the required information
These examples are for the version 2019-02-19 of the API.
curl https://api.stripe.com/v1/accounts \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d type=custom \ -d business_type=company \ -d "requested_capabilities"=card_payments \ -d "requested_capabilities"=card_issuing \ -d country=US \ -d "business_profile[mcc]"=5999 \ -d "business_profile[url]"="https://www.wesellsocks.com" \ -d "company[name]"="We Sell Socks, Inc." \ -d "company[tax_id]"=11-3456789 \ -d "company[address][line1]"="185 Berry Street" \ -d "company[address][city]"="San Francisco" \ -d "company[address][state]"=CA \ -d "company[address][postal_code]"=94110 \ -d "company[address][country]"=US curl https://api.stripe.com/v1/accounts/acct_token/persons \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d first_name=Joe \ -d last_name=Smith \ -d "dob[day]"=12 \ -d "dob[month]"=11 \ -d "dob[year]"=1978 \ -d "address[line1]"="185 Berry Street" \ -d "address[city]"="San Francisco" \ -d "address[state]"=CA \ -d "address[postal_code]"=94110 \ -d "address[country]"=US \ -d ssn_last_4=9999 \ -d email="email@example.com" \ -d "relationship[representative]"=true \ -d "relationship[owner]"=true \ -d "relationship[percent_ownership]"="25.0" curl https://api.stripe.com/v1/accounts/acct_token \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d "company[owners_provided]"=true
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