#leuji_api

1 messages · Page 1 of 1 (latest)

pine ledgeBOT
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carmine kelp
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hello 👋 give me awhile to take a look at your question

subtle quarry
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Hi there,
I'm building a restaurant marketplace app to provide payments system between clients and restaurants. The idea here is to create all the workflows via APIs only, so the sellers/restaurants (which are Accounts) avoid the Stripe Onboarding to validate their Account from the application itself.

I built a custom backend to process account creation via js server. Following the documentation, these are the informations I provide (in TEST MODE) :

carmine kelp
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Okay but what is not working?

subtle quarry
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Using this workflow, the account is successfully created with all the required informations. But I’m struggling with the Step 3. 

Here’s an example : acct_1S2cIzLsmbtopVes
The account is successfully active but requires ID verification regarding the account owner.

So I tried to set owner: false, but then it requires to select an owner and then asks for the ID verification.

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Moreover, a few months I created an account (acct_1Qoq3BQ9EThhg1N6 ) that was successfully activated without providing any ID. I can’t remember how I did it.

I tried doing the same with this account : acct_1S2di8LvnQ6IEMs2
which is inactive and requires to indicate the owner of the account. But the person linked to this account has the exact same roles (Representative, Manager, Executive) as the account that successfully activated ! I’m missing something here in the logic that I don’t get.

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From the tests I’ve ran, it seems that all this identity verification is triggered by the person creation part :

relationship: {
owner: true,
percent_ownership: 100,
representative: true,
director: true,
executive: true,
title: person.title || 'CEO',
},

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How can I change this part to create the account without having to require ID verification?

Like is it possible to create an active account without having to register the owner at all ? I don’t mind changing the workflow, the main need here is not having to require identity verification for the created accounts. 
To give you some perspective, since it’s a restaurant marketplace app, it won’t matter who exactly is creating the account. In most cases, it will be an employee or an executive, but never the owner himself, that’s why the verification ID shouldn’t be required in this case.

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Yeah sorry, I splitted my question in parts to make it as clear as possible 🙂

carmine kelp
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How can I change this part to create the account without having to require ID verification?


Not possible. Every Stripe account requires ID verification from a person that represents the account as the owner.

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Are how arefunds facilitated between parties on your app?

subtle quarry
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I see. Can you check this acount please : acct_1Qoq3BQ9EThhg1N6
I created this account that is active and doesn't require any ID verification and you can see that no owner is registered in this account

subtle quarry
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I mean I tried to set this workflow following the documentation, but again I might set it wrong
My main goal here is to be able to simply register restaurant on my app without the stripe unboarding process

pine ledgeBOT
carmine kelp
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acct_1Qoq3BQ9EThhg1N6 is a custom account and there's actually a test representative added on the account

subtle quarry
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Yes but no owner
The relations are Representative, Manager, Executive

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I get that if an owner is added to the account, it would require ID verification
But it seems that it's possible to create an active account without registering an owner

grand girder
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hi! I'm taking over this thread.

subtle quarry
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Hi there!

grand girder
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did I understand this correctly?

  • This account didn't require ID versification: acct_1Qoq3BQ9EThhg1N6
  • But this one did: acct_1S2cIzLsmbtopVes
  • And your goal is to not require ID verification for new accounts?
subtle quarry
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Exactly ! 🙏

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But when I created acct_1Qoq3BQ9EThhg1N6, I didn't use the workflow that I'm using now, and I can't remember how I did it differently.
Basically, with this actual workflow, it will either require ID verification for the owner or require to select an owner (if I set relationship: {owner: false} for example), and at the end it will require the ID verification once I selected the owner)

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So it seems that the owner is the problem here 😅
It seems to me that the solution would be to create the account without an owner (like acct_1Qoq3BQ9EThhg1N6) ?

grand girder
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got it. unfortunately I'm not sure what happened here or how to prevent ID verification (if possible). I recommend directly asking Stripe support about this, they'll have more time to look into this: https://support.stripe.com/contact

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make sure to include all relevant information in your message, like account IDs, etc.