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

Say you make jewelry and sell it through your personal website that accepts payments using Stripe Checkout. Then you move your business to an online marketplace that’s a Stripe Connect platform.

As a sole proprietor for both your website and the new marketplace, they both share the same legal entity information. When you onboard your connected account for the online marketplace, you can reuse some of the information you provided when you set up payments for your website—you don’t have to resubmit documentation for that information.

Then you decide to expand by moving your business from a home workshop to a dedicated workshop in a commercial building. Because you configured your accounts to share company address information, you only need to update the business address on one of your 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 application, 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.

You can share the following information between Accounts, and updating it on one account automatically applies to shared accounts:

• business_type
• country
• company
• individual

You can copy the following information 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.