必要な確認情報

Proof of authority verification

Stripe needs to verify that the account representative has sufficient authority to open an account on behalf of the legal entity.

If we can’t verify this programmatically, Stripe returns the verification_failed_representative_authority error code. You must change the representative to a person with sufficient authority.

Alternatively, if a person with sufficient authority can’t be the business representative, you can add them as a person with the authorizer position. The business must then provide a Letter of Authorization signed by the authorizer, which permits the business representative to manage the account. You must provide this as the representative’s company_authorization. You must add the first name and last name of the authorizer to the account, along with a copy of their ID Document.

さらに、承認書の要件により、verification_document_name_mismatch や verification_document_type_not_supported などの文書関連のエラーが明らかになる可能性があります。文書確認エラーと新しい確認エラーコードを処理できることを確認します。.

Legal entity verification

Stripe requires the verification of business name, UEN and legal entity type. If we can’t verify the existence of the company, you must collect a company document.

Stripe also needs to check that the business type and business structure matches the local government records. When a mismatch in business type or business structure occurs, it generates a verification_legal_entity_structure_mismatch error, and you need to update the business type or structure, or provide a company document to verify the legal entity.

UEN 情報は、Singapore Open Data License version 1.0 の条項に基づき、https://data.gov.sg で公開されているデータで確認されている可能性があります。

Ultimate beneficial ownership verification

The ultimate beneficial ownership verification requirements depend on the user’s business type.

民間企業

Stripe は、25% 以上の所有権を持つ個人を最終受益者 (UBO) と定義し、特定するよう努めています。Stripe がオンラインで提供するまたは埋込型のアカウント登録を使用して、ユーザーが所有者をプレビューして確認できるようにすることをおすすめします。または、API の owner ポジションを使用して、すべての UBO を収集してアカウントに追加することもできます。

If Stripe can’t determine these individuals, a company must submit a proof of ultimate beneficial ownership document to attest to their ownership structure. This must include proof of ownership documents for any holding companies owning 25% or more shares of the connected account. Stripe-hosted or embedded onboarding automatically seeks to collect these documents, or you can collect and submit them using the v1/accounts API. You must add all UBOs listed on the proof of ultimate beneficial ownership to the account.

パートナーシップ

Partnerships must verify the relationship between the business and all partners, managers and any other individual with 25% or more ownership. You must add these persons to the account with the owner position in the API.

免除

In certain situations, a business entity might not need to declare its ownership. To qualify for an exemption, you must provide a legitimate reason in the company.ownership_exemption_reason field. Valid reasons for exemption include:

• qualified_entity_exceeds_ownership_threshold:政府、上場企業、または金融機関が事業の 75% 以上を所有している場合、その事業は所有権の詳細の提供が免除されます。
• qualifies_as_financial_institution:シンガポール金融管理局によって規制されている金融機関であるビジネスは、所有権の詳細を共有することが免除されます。

After submitting an exemption reason, we’ll review the business entity’s details. During this review, the requirement moves to requirements.pending_verification. If Stripe determines that the business entity doesn’t qualify for the exemption, we display an error message, and the ownership requirement will remain:

{
  "id": "{{CONNECTED_ACCOUNT_ID}}",
  "requirements": {
    "past_due": [
      "documents.proof_of_ultimate_beneficial_ownership.files",
    ],
    "alternatives": [
      {
        "original_fields_due": [
          "documents.proof_of_ultimate_beneficial_ownership.files",
        ],
        "alternative_fields_due": [
          "company.ownership_exemption_reason",
        ]
      }
    ],
    "errors": [
      {
        "code": "verification_rejected_ownership_exemption_reason",
        "reason": "The ownership exemption reason was rejected.",
        "requirement": "company.ownership_exemption_reason"
      }
    ],
    ...
  },
  ...
}

Integration details

You must add UBOs and directors to the account with the owner or director position in the API. Private companies, private partnerships, and non-profits require proof of beneficial ownership. When we can’t successfully verify the UBO, you need to collect an ID Document for the unverified UBO.

If Stripe determines that the account is missing owners, directors, or documentation of holding companies, the documents.proof_of_ultimate_beneficial_ownership.files field will be returned in requirements. You can find a complete list of acceptable documents at Acceptable Verification Documents.

Additionally, you could be asked to attest that the list of directors is current and correct by setting the company.directorship_declaration.ip, company.directorship_declaration.date, and optionally the company.directorship_declaration.user_agent fields in the API. If a discrepancy in your list of directors is detected, Stripe might request a new declaration by returning the company.directorship_declaration.ip, company.directorship_declaration.date requirements in the requirements field.

Both Stripe-hosted and embedded onboarding display a list of missing owners and directors, which allows the user to add them to their account by clicking on them. Adding the suggested individuals fulfills the UBO requirement for companies without any holding companies in their ownership structure. For companies with holding companies, Stripe attempts to verify its owners. If we can’t, the user receives a prompt to upload either an ultimate beneficial owner attestation document or relevant ownership documents to determine the account’s ultimate beneficial owners. (This also applies to other business types, such as non-profits.)

Accounts with missing beneficial owners have a verification_missing_owners error code in the errors hash of requirements. Similarly, accounts with missing directors have a verification_document_directors_mismatch error code. Lastly, accounts where Stripe requires additional information regarding their ownership have a verification_requires_additional_proof_of_registration error code.

{
  "id": "{{CONNECTED_ACCOUNT_ID}}",
  "requirements": {
    "past_due": [
      "documents.proof_of_ultimate_beneficial_ownership.files",
    ],
    "errors": [
      {
        "code": "verification_missing_owners",
        "requirement": "documents.proof_of_ultimate_beneficial_ownership.files",
        "reason": "..."
      },
      ...
    ],
    ...
  },
  ...
}