#qmathe
pearl nacelle
I don't believe you can use hosted onboarding once the Express account is verified no
Equally, you can't really update Express accounts that way as the platform
modest crane
Do you mean it's mandatory to use the Express dashboard to update any infos for Express accounts?
pearl nacelle
Yes
modest crane
Thanks, this changes everything 🤔
From what I understand, the only solution for me is to switch to Custom accounts. If I use the onboarding form with an account link, the onboarding flow should remain the same for creating a Custom account, right?
It seems the only difference is that the user will have to accept a Terms of Service document. Is this correct or am I missing something else?
For France, in my tests, for an individual, it seems no identity verification beside SMS code was needed to validate an express account.
Is this going to change with a Custom account?
Is Stripe going to require different documents or be more strict in term of identity verifications when using a Custom account rather than an Express account? For an Express account, my impression what that users could upload company or identity related documents through the dashboard. For Custom accounts, I'm responsible to build the UI to collect these documents and send them with the Stripe API.
pearl nacelle
If I use the onboarding form with an account link, the onboarding flow should remain the same for creating a Custom account, right?
Yes custom accounts can also use the hosted onboarding flow via Account Links.
It seems the only difference is that the user will have to accept a Terms of Service document. Is this correct or am I missing something else?
Not really sure what ToS you're referencing here.
For France, in my tests, for an individual, it seems no identity verification beside SMS code was needed to validate an express account.
Is this going to change with a Custom account?
Not really sure! Requirements are unique based on the individual. There's a general outline of what is required to verify users in accounts according to capabilities here: https://stripe.com/docs/connect/required-verification-information
Is Stripe going to require different documents or be more strict in term of identity verifications when using a Custom account rather than an Express account?
AFAIK, no. But my team doesn't really know much about onboarding/verifications.
For Custom accounts, I'm responsible to build the UI to collect these documents and send them with the Stripe API.
As stated, you can still user the hosted onboarding UI with custom: https://stripe.com/docs/connect/connect-onboarding
modest crane
For the ToS, I was referring to: https://stripe.com/docs/connect/service-agreement-types
pearl nacelle
Yup, that is specific to custom accounts: https://stripe.com/docs/connect/service-agreement-types#:~:text=For other Custom accounts%2C the platform must attest that their user has seen and accepted the service agreement. See service agreement acceptance to learn how.
sour stagBOT
modest crane
It's great if I can use the onboarding form to collect identity/company verification documents 🙂
I have two more questions about this. Is the onboarding form only going to ask for identity/company related documents in production mode? Can I test it with Stripe Connect test mode?
If I received an event about a verification issue on my backend Stripe webhook, how should I process to ask the user about missing info or document, then send them to Stripe for a new verification pass?
pliant dragon
Hi! I'm taking over this thread.
Is the onboarding form only going to ask for identity/company related documents in production mode? Can I test it with Stripe Connect test mode?
This works in both test mode and live mode
If I received an event about a verification issue on my backend Stripe webhook, how should I process to ask the user about missing info or document, then send them to Stripe for a new verification pass?
For Custom accounts, everything should be explained here: https://stripe.com/docs/connect/identity-verification-api
modest crane
Hi, thanks for your reply!
After reading the last link, I understand that in case of verification issue, I cannot collect the missing/invalid documnent by presenting again the onboarding form, but I have to ask the user to send me the document by mail (or custom form I add to my app), then I can either:
- upload it through my Stripe account page
- send it with the Stripe API
Is this correct? Is there no way to present a prebuilt form so the user can send the new document directly to Stripe?
pliant dragon
That's usually how custom account work yes. But you would try to use an Account Link with type:account_update
https://stripe.com/docs/api/account_links/create#create_account_link-type
modest crane
I'm going to try this. If this works, this would make correcting info or documents much easier.
Do you think account_update could work with Express accounts too?
pliant dragon
No, it the doc it says CUSTOM ONLY. Note that for Express accounts you don't really need this since Stripe would take care if this directly (and not the platform). That's why we usually recommend merchants to use Express since it's a much simpler integration.
modest crane
ok, I read the doc too quickly. For Express accounts, do you mean Stripe would get in touch with the person owning the Express account by mail or phone to get the missing info/document?
pliant dragon
by email, yes.
modest crane
ok, I see.
Last question, if I start with an Express account, can I change it to a Custom account later on, or do I have an onboard my user again to create aCustom account?
pliant dragon
You'll need to onboard the user again.
modest crane
ok, good to know.
Thanks for your detailed replies 👍 This is going to help me a lot.