Standard accounts are best for software platforms that want to help their users directly accept payments. Stripe will onboard and verify your accounts in a flow that’s customized with your logo.

Express accounts are best for marketplaces that want to pay out sellers and service providers. They provide more flexibility on payout timing and pricing. Stripe will onboard and verify your accounts in a co-branded flow that’s customized with your brand and colors.

Custom accounts give you the most flexibility but require significant engineering resources to integrate. You can build your own flows or optionally save development time and ongoing maintenance by using Stripe’s co-branded onboarding flows, customized with your brand and colors.

Stripe’s account verification process helps platforms and marketplaces onboard connected accounts with minimal friction. Stripe cross-checks the millions of accounts already using Stripe and uses observed data sources and machine learning to approve more users. With Connect, you’ll get dynamic, risk-based KYC and sanctions checks, plus ongoing real-time screening as sanctions and high-risk files are updated.

Stay current with global regulations, card network rules, and the highest industry security standards.

Use Stripe’s money licenses around the world instead of getting licenses yourself in every region.

Reduce exposure to fraudulent users with Stripe’s machine learning technology for fraud prevention.

Drive revenue from the payment services you provide to your users. Simply specify your platform or marketplace’s earnings for each transaction, and Connect will handle netting out earnings, including managing refunds and chargebacks.

Customize payment routing and control where charges settle to best reflect your business model. You can split payments, move funds, and pay out or debit your users any way you like.

Specify how frequently you want your users to get paid, and Connect will aggregate earnings and settle funds. You can even have fine-grained control over when your users receive funds (e.g., after services or goods are delivered).

Pay out around the world in local currencies without additional engineering effort or local banking relationships. Funds for payouts can come from Stripe transactions or from account top-ups.

Create, distribute, and manage physical and virtual spending cards for your users. Set custom authorization rules like allowed merchant categories and spending limits to control expenses and prevent fraud.