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Platforms and marketplaces
Money management
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Payments
Finance automation
Get started
Payments
Finance automation
Platforms and marketplaces
Money management
Overview
Get started with Connect
Integration fundamentals
Example integrations
Onboard accounts
    Choose your onboarding configuration
      Stripe-hosted onboarding
      Embedded onboarding
      API onboarding
    Account capabilities
    Required verification information
    Service agreement types
    Additional Verifications
    Networked onboarding
    Migrate to Stripe
Configure account Dashboards
Accept payments
Pay out to accounts
Manage your Connect platform
Tax forms for your Connect platform
Work with connected account types
HomePlatforms and marketplacesOnboard accountsChoose your onboarding configuration

Stripe-hosted onboarding

Onboard connected accounts by redirecting them to a Stripe-hosted onboarding flow.

Copy page

Stripe-hosted onboarding handles the collection of business and identity verification information from connected accounts, requiring minimal effort by the platform. It’s a web form hosted by Stripe that renders dynamically based on the capabilities, country, and business type of each connected account.

The hosted onboarding form in Stripe’s sample integration, Rocket Deliveries.

Stripe-hosted onboarding with Accounts v1 supports networked onboarding, which allows owners of multiple Stripe accounts to share business information between them. When they onboard an account, they can reuse that information from an existing account instead of resubmitting it.

Customize the onboarding form
Dashboard

Go to the Connect settings page in the Dashboard to customize the visual appearance of the form with your brand’s name, color, and icon. Stripe-hosted onboarding requires this information. Stripe also recommends collecting bank account information from your connected accounts as they’re onboarding.

Create an account and prefill information
Server-side

Create a connected account with the default controller properties. See design an integration to learn more about controller properties. Alternatively, you can create a connected account by specifying an account type.

If you specify the account’s country or request any capabilities for it, then the account owner can’t change its country. Otherwise, it depends on the account’s Dashboard access:

  • Full Stripe Dashboard: During onboarding, the account owner can select any acquiring country, the same as when signing up for a normal Stripe account. Stripe automatically requests a set of capabilities for the account based on the selected country.
  • Express Dashboard: During onboarding, the account owner can select from a list of countries that you configure in your platform Dashboard Onboarding options. You can also configure those options to specify the default capabilities to request for accounts in each country.
  • No Stripe Dashboard: If Stripe is responsible for collecting requirements, then the onboarding flow lets the account owner select any acquiring country. Otherwise, your custom onboarding flow must set the country and request capabilities.
Command Line
cURL
curl -X POST https://api.stripe.com/v1/accounts \ -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:"

The response includes the ID, which you use to reference the Account throughout your integration.

Request capabilities

You can request capabilities when creating an account by setting the desired capabilities’ requested property to true. For accounts with access to the Express Dashboard, you can also configure your Onboarding options to automatically request certain capabilities when creating an account.

Stripe’s onboarding UIs automatically collect the requirements for requested capabilities. To reduce onboarding effort, request only the capabilities you need.

Prefill information

If you have information about the account holder (like their name, address, or other details), you can simplify onboarding by providing it when you create or update the account. The onboarding interface asks the account holder to confirm the pre-filled information before accepting the Connect service agreement.

If you onboard an account and your platform provides it with a URL, prefill the account’s business_profile.url. If the business doesn’t have a URL, you can prefill its business_profile.product_description instead.

When testing your integration, use test data to simulate different outcomes including identity verification, business information verification, payout failures, and more.

Determine the information to collect

As the platform, you must decide if you want to collect the required information from your connected accounts up front or incrementally. Up-front onboarding collects the eventually_due requirements for the account, while incremental onboarding only collects the currently_due requirements.

Onboarding typeAdvantages
Up-front
  • Normally requires only one request for all information
  • Avoids the possibility of payout and processing issues due to missed deadlines
  • Exposes potential risk early when accounts refuse to provide information
Incremental
  • Accounts can onboard quickly because they don’t have to provide as much information

To determine whether to use up-front or incremental onboarding, review the requirements for your connected accounts’ locations and capabilities. While Stripe tries to minimize any impact to connected accounts, requirements might change over time.

For connected accounts where you’re responsible for requirement collection, you can customize the behavior of future requirements using the collection_options parameter. To collect the account’s future requirements, set collection_options.future_requirements to include.

Create an Account Link
Server-side

Create an Account Link using the connected account ID and include a refresh URL and a return URL. Stripe redirects the connected account to the refresh URL if the Account Link URL has already been visited, has expired, or is otherwise invalid. Stripe redirects connected accounts to the return URL when they have completed or left the onboarding flow. Additionally, based on the information you need to collect, pass either currently_due or eventually_due for collection_options.fields. This example passes eventually_due to use upfront onboarding. Set to currently_due for incremental onboarding.

Command Line
cURL
curl https://api.stripe.com/v1/account_links \ -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:"
\ -d account=
{{CONNECTED_ACCOUNT_ID}}
\ --data-urlencode refresh_url="https://example.com/refresh" \ --data-urlencode return_url="https://example.com/return" \ -d type=account_onboarding \ -d "collection_options[fields]"=eventually_due

Redirect your connected account to the Account Link URL

Redirect the connected account to the Account Link URL to send them to the onboarding flow. Each Account Link URL can only be used once, because it grants access to the account holder’s personal information. Authenticate the account in your application before redirecting them to this URL.

Identify and address requirement updates
Server-side

Set up your integration to listen for changes to account requirements. You can test handling new requirements (and how they might disable charges and payouts) with the test trigger cards.

Send a connected account back through onboarding when it has any currently_due or eventually_due requirements. You don’t need to identify the specific requirements, because the onboarding interface knows what information it needs to collect. For example, if a typo is preventing verification of the account owner’s identity, onboarding prompts them to upload an identity document.

Stripe notifies you about any upcoming requirements updates that affect your connected accounts. You can proactively collect this information by reviewing the future requirements for your accounts.

For connected accounts where controller.requirement_collection is stripe, stop receiving updates for identity information after creating an Account Link or Account Session.

Accounts store identity information in the company and individual hashes.

Handle verification errors

Listen to the account.updated event. If the account contains any currently_due fields when the current_deadline arrives, the corresponding functionality is disabled and those fields are added to past_due.

Let your accounts remediate their verification requirements by directing them to the Stripe-hosted onboarding form.

Handle the connected account returning to your platform
Server-side

The Account Link requires a refresh_url and return_url to handle all cases in which the connected account is redirected back to your platform. It’s important to implement these correctly to provide the best onboarding flow for your connected accounts.

Note

You can use HTTP for your refresh_url and return_url while you’re in a testing environment (for example, to test locally), but live mode only accepts HTTPS. Be sure you’ve swapped any testing URLs for HTTPS URLs before going live.

Refresh URL

Your connected account is redirected to the refresh_url when:

  • The link is expired (a few minutes went by since the link was created).
  • The link was already visited (the connected account refreshed the page or clicked the back or forward button).
  • The link was shared in a third-party application such as a messaging client that attempts to access the URL to preview it. Many clients automatically visit links which causes them to become expired.

The refresh_url should call a method on your server to create a new Account Link with the same parameters and redirect the connected account to the new Account Link URL.

Return URL

Stripe redirects the connected account back to this URL when they complete the onboarding flow or click Save for later at any point in the flow. It does not mean that all information has been collected, or that there are no outstanding requirements on the account. It only means the flow was entered and exited properly.

No state is passed with this URL. After a connected account is redirected to the return_url, determine if the account has completed onboarding. Retrieve the account and check the requirements hash for outstanding requirements. Alternatively, listen to the account.updated event sent to your webhook endpoint and cache the state of the account in your application. If the account hasn’t completed onboarding, provide prompts in your application to allow them to continue onboarding later.

Handle connected account-initiated updates
Server-side

Stripe-hosted onboarding also supports connected account-initiated updates to the information they’ve already provided. Listen to the account.updated event sent to your webhook endpoint to be notified when the account completes requirements and updates their information.

When you create an Account Link, you can set the type to either account_onboarding or account_update.

Account Links for account_onboarding

Account Links of this type provide a form for inputting outstanding requirements. Use it when you’re onboarding a new connected account, or when an existing user has new requirements (such as when a connected account had already provided enough information, but you requested a new capability that needs additional info). Send them to this type of Account Link to just collect the new information you need.

Account Links for account_update

Account Links of this type are enabled for accounts where your platform is responsible for requirement collection. account_update links display the attributes that are already populated on the account object and allows your connected account to edit previously provided information (for example, they need to update their address). Provide an option in your application (for example, “edit my profile” or “update my verification information”) for connected accounts to make updates themselves.

Browser support

Stripe-hosted onboarding is only supported in web browsers. You can’t use it in embedded web views inside mobile or desktop applications.

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