Networked onboarding

A connected account owner can reuse certain information, such as their legal company name or business details, from their Stripe user account or from an existing connected account that they own. They don’t have to resubmit that information or repeat related Know Your Customer (KYC) processes.

Some shared information remains synchronized between accounts. If the account owner updates it on one account, the update automatically applies to all shared accounts.

Use case example

Emma, an artisan jeweler, has been selling her wares through a personal website that accepts payments using Stripe Checkout. Looking to expand her business, she discovers an online marketplace called Artisan Market and decides to sign up. Artisan Market is a Stripe Connect platform.

Because Emma is the sole proprietor for both her website and her new marketplace venture, they share the same legal entity information. When Emma onboards her connected account for Artisan Market, she can reuse some of the information she provided when setting up payments for her website. She doesn’t have to resubmit documentation for that information.

The wider exposure increases Emma’s sales, and she decides to expand by moving her business from her home studio to a dedicated workshop in a commercial building. Because she configured her accounts to share company address information, Emma only needs to update the business address on one of her accounts. Stripe automatically updates the address on the other account.

Availability

Connected account owners using Accounts v1 can share business information across accounts where Stripe is responsible for collecting requirements (the account’s controller.requirement_collection is stripe). The Accounts v2 API doesn’t support sharing.

For accounts where controller.requirement_collection is platform, including Custom accounts, the account owner can copy some existing account information during onboarding. However, sharing doesn’t apply to future updates. You must update each account individually.

If the platform has requested any capabilities for the new account, the owner can only share information from accounts in the same country as the new account. Otherwise, they can share information from any of their existing accounts.

The ability to share business information depends on the onboarding flow:

• Stripe-hosted supports networked onboarding.
• Embedded onboarding flows supports networked onboarding, but requires Stripe user authentication. If you set disable_stripe_user_authentication to true, your embedded onboarding flow can’t use networked onboarding.
• API-based onboarding flows don’t support networked onboarding.

During onboarding, Stripe offers the option to reuse information if the authenticated account owner has any existing 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 scratch. If they set it up from scratch, they can’t change it later to use shared information from existing accounts. However, they can select it to share information when onboarding new accounts.

The following information can be shared between Accounts, and updates to it on one account automatically apply to shared accounts:

• business_type
• country
• company
• individual

The following information can be copied from an existing account during onboarding. However, future updates to this information aren’t automatically copied to shared accounts:

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

Manage access

If you don’t want to offer this feature to your connected accounts during onboarding, you can disable it from your Dashboard.

Disabling this feature doesn’t affect existing accounts that already share information. It only prevents the onboarding flow from offering it for new connected accounts.