Networked onboarding

Networked onboarding lets connected account owners reuse their verified account information when creating new accounts. This helps to reduce friction during onboarding and eliminate redundant Know Your Customer (KYC) verification.

When creating a new connected account, eligible users can choose an existing legal entity. A legal entity represents the core identity data of a connected account, such as business type and company details.

Certain shared information remains synchronized. When you update one account, the changes automatically propagate to all accounts that share the same legal entity.

Platform configuration

Networked onboarding is enabled by default. Platforms can manage this feature in the Dashboard.

Disabling networked onboarding only affects new account creation. Existing accounts with shared information remain unchanged.

Connected account onboarding

During onboarding, Stripe offers the option to reuse information if the authenticated account owner has any existing eligible accounts. The owner can select an existing account to share information with the new account, or they can choose to set up the new account from the beginning.

Eligibility

Synchronizing and copying fields during onboarding are supported when:

• The connected account uses Accounts v1.
• Stripe must be responsible for collecting requirements (the account’s controller.requirement_collection is stripe)
• Connected accounts are authenticated through Stripe-hosted onboarding or user authenticated embedded onboarding.

Synchronized fields

These fields remain synchronized across all accounts that share the same legal entity:

• business_type
• country
• company
• individual

Fields copied during onboarding

These fields are copied during initial onboarding only, and subsequent updates don’t propagate:

• external_accounts
• business_profile
• settings.payments.statement_descriptor
• settings.card_payments.statement_descriptor_prefix
• settings.branding

Limitations

Networked onboarding isn’t supported for:

• Accounts v2
• Unauthenticated embedded onboarding (when disable_stripe_user_authentication is true)
• API-based onboarding

Pre-filled account data

By pre-filling a connected account’s data through the Accounts API, you skip the option to reuse existing legal entities if you provide any of the following fields:

Address information:

• company.address
• individual.address

People and relationships:

• Any individual object fields
• company.additional_owners
• company.owners_provided set to true
• company.additional_directors
• company.directors_provided set to true
• company.executives_provided set to true
• Any person created for the account through the Persons API

External accounts:

• external_accounts