#_Giulio - ID Verification
vivid whale
Hello!
Question 1: Would I be able to use some already built identity documents request like the express onboarding flow does? Or would I be forced to design a UI by myself to achieve that?
For Standard accounts you would use this flow, which has an onboarding process hosted by Stripe: https://stripe.com/docs/connect/standard-accounts
Question 2: Depending on the country, possible accepted documents are different, and it's possible a country allows 3 different accepted docs to verify address while another country may accept just one doc. Would I be able to find a list of accepted docs for both identity and address via an API call?
I don't believe we have this available via the API, but it is in our documentation here: https://stripe.com/docs/connect/required-verification-information
gaunt dew
Hello!
> Question 1: Would I be able to use some already built identity documen...
Yes I'm doing like this to create stnd accounts, but the flow doesn't ask for documents like the express one does. And once the account is created, I have payments and payouts not enabled because of missing proofs of identity
vivid whale
That's how Standard accounts work; onboarding and account activation is handled by the account holder and Stripe.
The account holder is prompted to verify and activate their account in the Stripe Dashboard.
gaunt dew
Ok got it
doing something like this would work as well?
I mean building auth flow in my platform where the user uploads docs and then i redirect them to Stripe?
vivid whale
I don't think so. That's for our separate Identity verification product. Can you provide more details about the specific thing that's an issue for you? Is it that the Standard account doesn't have payouts enabled immediately?
gaunt dew
Yes.
So I create Standard Accounts (I let my users do it from my platform), but once the stnd acct onboarding related to one of my users is finished, the status of the account becomes restricted, and payments and payouts shows as disabled. My connected interface says that's because that stnd acct needs an ID document and a proof of address one to be verified by Stripe. I know that would be achievable directly by my users from their stnd acct dashboard, but I would like to structure the UX without asking to the user to log in to Stripe etc etc
I would be more than happy to use Stripe Identity. Unfortunately thats not available as my business is based in Switzerland
vivid whale
We have a documented way you should handle that scenario. Have a look at the last section here: https://stripe.com/docs/connect/standard-accounts#handle-users
gaunt dew
Cool thanks. Another thing. When I try to simulate verification, logging in the restricted sntd acct dashboard, I'm not able to do so
This is what I get
vivid whale
You can't simulate verification for a test Standard account. Standard accounts are real Stripe accounts that can turn into real live accounts, so the verification information you use for them must be real.
gaunt dew
Ok so how should I enable payments and payouts for test stnd accouts as I would need to test the payouts flow?
vivid whale
You would need to use real information to activate the account.
However, you shouldn't need to do that to get test payouts to work in test mode.
gaunt dew
Yes, in the express onboarding there's the option to use test documents to set up the accts
gaunt dew
We have a documented way you should handle that scenario. Have a look at the la...
Plus, this piece of the guide says "check for charges_enabled. If the account is not fully onboarded, provide UI prompts to allow the user to continue onboarding later. The user can complete their account activation through a new account link (generated by your integration)."
vivid whale
Yep, that's for live mode, not testing. Test operations should work on Standard accounts even if those things aren't enabled.
gaunt dew
Plus, this piece of the guide says "check for charges_enabled. If the account is...
Does that mean that if I manage to generate a 2nd Account Link then a second part of the onboarding containing fields regarding ID verification will appear?
Sorry but im a bit confused
😫
vivid whale
The documentation you're looking at only applies to live mode.
Standard accounts are real Stripe accounts that exist in both test and live modes, so they can't be verified/activated just in test mode. Verifying and activating them happens in live mode, so it's not something you can test.
However, you can do things like payouts in test mode with a Standard account that has not been activated. Test mode in Standard accounts works right off the bat without verification.
You only need to activate/verify for some live mode operations.
Does that make sense?
gaunt dew
Yes it does
I will try to see if those features work doing API calls, thanks
Another quick thing
When for us will be the moment to go live from test..
How we will be able to verify standard accounts. Stripe Dashboard would be the only solution?
vivid whale
Yep, you would need to go through the flow using real information.
gaunt dew
Yes.
So I create Standard Accounts (I let my users do it from my platform), but...
So no such way is possible? I mean creating an UI in my platform to let users upload required docs to then send them to you using
with open("/path/to/a/file.jpg", "rb") as fp:
stripe.File.create(
purpose='identity_document',
file=fp,
stripe_account='{{CONNECTED_STRIPE_ACCOUNT_ID}}',
)
That's true for just Custom Accounts?
vivid whale
Correct, that would only be possible for Custom accounts.
gaunt dew
Ok thanks a lot for your help