Validate addresses for money management products

Learn how to submit address information that meets Stripe validation standards.

Effective July 1, 2025, all current and future Issuing, Treasury, Opal and Corporate Card accounts must meet enhanced validation for business and account representative addresses. These controls detect and prevent addresses associated with the use of registered agents, physical mailbox services, and virtual address services.

Remarque

Corporate Card is integrated with Opal. Opal is Stripe’s private preview money management account that enables businesses to store money with Stripe, send or receive money using ACH and wire in the US, save recipients to pay bills, and make payments toward an Opal balance.

Types of addresses subject to validation

Registered agent addresses: Designated locations where a third party receives legal documents and government notices on behalf of a business. Many companies use registered agent services, especially when operating in states where they don’t have a physical presence.
Commercial Mail Receiving Agency addresses: Private businesses that provide mailbox rental and mail forwarding services, such as UPS Stores, FedEx Office locations, or virtual mail services.

Physical address requirements

To comply with financial partner requirements, Stripe verifies that all accounts have a physical presence in the United States. This means Stripe can no longer allow addresses for registered agents, mailbox services, or virtual address services. These requirements apply to both:

The business entity’s address, regardless of the business type.
The address of the account representative.

Address validation

Stripe enforces several types of address validation for Issuing, Treasury, Opal and Corporate Card.

Existing validations

Stripe already validates and enforces that addresses are:

Valid and deliverable US addresses.
Not PO Boxes, Highway Contract Boxes, or private mailboxes.

New validations

Stripe is adding two new address validation requirements:

Not a Commercial Mail Receiving Agency (CMRA) address
Not a registered agent address

These new validations focus on addresses that might be technically valid but don’t represent a genuine physical business presence.

Address validation process

Starting July 1, 2025, new merchants onboarding to Issuing, Treasury, Opal or Corporate Card must provide a compliant physical address that meets all validation criteria. Stripe blocks onboarding until you provide a valid physical address.

Existing merchants

Existing merchants using Issuing, Treasury, Opal or Corporate Card with addresses that Stripe has identified as registered agent or CMRA are:

Notified about the address validation issue.
Given a 30-day grace period to meet the requirement.

If you don’t update the address within this period, Stripe disables account capabilities until you provide a valid address.

Integrate address validation

If the address validation fails, Stripe notifies you in the following ways:

You receive an email from Stripe that outlines the incomplete requirements.
A user task and banner appear in your Dashboard with instructions to update the address or submit supporting documents.
- For connected accounts, Stripe lists the incomplete requirements on the Connect Accounts page.
If you have a webhook integration, you receive an account.updated webhook event with details in the requirements object.

Below are some examples of the requirements section you will find in Accounts API or account.updated webhook event when your address is flagged.

CMRA addresses

For a business address:

{
  "requirements": {
    "current_deadline": null,
    "currently_due": [
      "company.address.line1"
    ],
    "errors": [
      {
        "code": "invalid_address_private_mailbox",
        "reason": "The address you provided appears to be associated with a mailbox or virtual address service, which we can't accept. Please update your address to proceed.",
        "requirement": "company.address.line1"
      }
    ],
    "eventually_due": [
      "company.address.line1"
    ],
    "past_due": [
      "company.address.line1"
    ],
    "pending_verification": []
  }
}

For a representative’s address:

{
  "requirements": {
    "current_deadline": null,
    "currently_due": [
      "person123.address.line1"
    ],
    "errors": [
      {
        "code": "invalid_address_private_mailbox",
        "reason": "The address you provided appears to be associated with a mailbox or virtual address service, which we can't accept. Please update your address to proceed.",
        "requirement": "person123.address.line1"
      }
    ],
    "eventually_due": [
      "person123.address.line1"
    ],
    "past_due": [
      "person123.address.line1"
    ],
    "pending_verification": []
  }
}

To remediate, update your business address to a physical location where you operate. You can’t use CMRA addresses and there isn’t an appeal process.

Registered agent addresses

For a business address:

{
  "requirements": {
    "alternatives": [
      {
        "alternative_fields_due": [
          "company.address.line1"
        ],
        "original_fields_due": [
          "documents.proof_of_address.files"
        ]
      }
    ],
    "currently_due": [
      "documents.proof_of_address.files"
    ],
    "errors": [
      {
        "code": "verification_address_registered_agent_address",
        "requirement": "documents.proof_of_address.files",
        "reason": "The address you provided appears to be associated with a registered agent, which we can't accept. Please update your address to proceed."
      }
    ],
    "eventually_due": [
      "documents.proof_of_address.files"
    ],
    "past_due": [
      "documents.proof_of_address.files"
    ],
    "pending_verification": []
  }
}

For a representative’s address:

{
  "requirements": {
    "alternatives": [
      {
        "alternative_fields_due": [
          "person123.address.line1"
        ],
        "original_fields_due": [
          "person123.verification.additional_document"
        ]
      }
    ],
    "currently_due": [
      "person123.verification.additional_document"
    ],
    "errors": [
      {
        "code": "verification_document_failed_other",
        "requirement": "person123.verification.additional_document",
        "reason": "The address you provided appears to be associated with a registered agent, which we can't accept. Please update your address to proceed."
      }
    ],
    "eventually_due": [
      "person123.verification.additional_document"
    ],
    "past_due": [
      "person123.verification.additional_document"
    ],
    "pending_verification": []
  }
}

To remediate, update your address to a physical location where you operate.

Test the integration

Use the following value in address line1 field of the Accounts API or Person API to trigger different scenarios in testmode.

Description	line1
CMRA address. The address requirement won’t be satisfied.	`Address CMRA`
RA address. The address requirement won’t be satisfied.	`Address RA`
Normal address. The address requirement will be satisfied.	Any non PO Box, HC Box, or PMB address.

Voir aussi

Physical presence requirement FAQ