#some1ataplace_api
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brisk roost
hi, are you referring to identity verification for connected accounts?
cyan sage
No, but that also sounds interesting to me. I have not heard about that. I am concerned about the new UK Online Safety Act and how to identify underage users.
brisk roost
ah, so identity verification for your customers. yes, you should be able to test that without uploading real IDs. if you're using it in test mode there should be a dropdown selector which lets you test various scenarios like verification failure, consent declined, etc
cyan sage
I hope so. I have not tried yet. But do I really have to verify my identity first to even begin to test? https://dashboard.stripe.com/test/identity/verification-sessions
I was hoping in test mode or sandbox mode I wouldn't have to upload anything about myself.
brisk roost
ah, yes, you'll need to verify your own identity in your dashboard before the feature becomes available
cyan sage
That is crazy, I am not willing to do that until I actually start my business. Tell me what the identify connect users is about.
brisk roost
Connect is a feature for if your business is a platform for other businesses, such as a marketplace. identity verification is used in that context to onboard other businesses to use your platform
cyan sage
So instead of verifying a user's age you are verifying another business or a connect account user?
brisk roost
yes
cyan sage
Geez is that a requirement?
brisk roost
the requirements change based on the different ways that your business can be set up. we have a page for determining the requirements and their due dates here https://docs.stripe.com/connect/required-verification-information
cyan sage
Unreal. So I have to lookup the IP of each user then determine via the API whether they need to be ID verified or not?
Is Stripe Connect ID Verification available to test or do I still need to upload my own personal government ID to test Connect Verification?
brisk roost
if I recall correctly you don't need to do ID verification to get started with Connect. at least if you're doing it in test mode
you can learn more about the platform onboarding process here https://docs.stripe.com/connect/how-connect-works
cyan sage
It has been a while since I last looked at Connect. But is there a way in the API to say or require the user to provide identity? They fill out a date of birth field for example and the API handles the verification process? Any word on me needing to lookup the IP to determine the country?
brisk roost
I'm not aware of needing to verify the IP address yourself, are you seeing that in a doc someplace?
cyan sage
No, I just assumed that in order to determine a user's country you need to determine their IP address or location.
brisk roost
when you say user, are you referring to customers or the connected account business?
cyan sage
Connect account. I originally wanted my Connect users to be just about anybody, people or businesses.
But now with these new laws it seems like it changes things...
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brisk roost
the platform isn't responsible for collecting verification for connected accounts, our onboarding UI has the user indicate which country they're from
cyan sage
Okay so you guys do it automatically? They fill out the country and you automatically ask them for ID? Do I need to configure anything on the API side?
modern sun
Hi there. I'll be taking over for denton, who needed to step away
You're referring to connected account onboarding, correct?
cyan sage
Yes for now
modern sun
If so, then if you're using Stripe-hosted onboarding, then, yes, Stripe decides what requirements are required and collects them.
I'd really recommend giving this guide a read:
After reading the thread, however, I'd like to clarify that Connect is for people you are paying money out to. For example, a platform like Doordash accepts a payment which is split between the delivery driver and the restaurant
cyan sage
Thanks I will look afterwards. Yes, I have setup the Connect API already but I thought it recently changed due to the new UK Online Safety Act which required me to do some sort of age verification for Connect.
Out of curiosity, for non-connect Identity API what if my verification fails for some reason? Will I not be permitted to use that API or do I have another chance to upload an ID document? I assume my Stripe account details must match the ID details?
modern sun
Stripe Identity (separate from Connect verification) verifies documents; it gives you results about what Stripe thinks the validity of the documents are. What you do with that information in the context of your application is up to you.
cyan sage
Yes, but I am talking about on this page:
https://dashboard.stripe.com/test/identity/verification-sessions
Where it says:
Verify your identity
Required
Verify your identity to get access to Stripe Identity.
Like what happens if my verification fails? Do I get another chance? Must my ID match my stripe account settings?
modern sun
I'm not familiar with the process of signing up for Stripe identity in the dashboard. If you have questions about that, you can reach out to my colleagues in Support.