Update verified user information

When onboarding Express or Custom accounts to a Connect platform, you collect the required information for each account, and Stripe verifies it. If you update verified user information, Stripe must review it. If Stripe can’t verify it, you have a grace period of 7 days to resolve any issues and complete verification.

During this grace period, the account functionality remains the same. For example, if charges or payouts were previously enabled, they’ll continue to be enabled until the grace period ends. The value of requirements.current_deadline determines the end of the grace period and isn’t extended if you update additional information. Resolve all requirements by the end of the grace period to prevent charges or payouts from being disabled.

These fields can be updated, with a grace period, after they’ve been verified:

• Business name
• First name
• Last name
• Date of birth
• Business tax ID
• Tax ID registrar
• Personal ID number

These fields can’t be updated after a company has been verified:

• Business type
• Verification documents

These fields can’t be updated after an individual has been verified:

• Gender

Change the account representative

You must specify a representative to activate the account, agree to Stripe’s terms, and act as primary contact for the account. You can change the account representative for any reason (for example, the designated representative left the company or they no longer serve as owner or executive).

Do the following to change the account representative:

• If necessary, add a Person object for the new representative. Stripe recommends that you verify the Person before proceeding, whether you designate an existing Person as the new representative or add a new Person.
• Update the Person object to remove them as the current representative:

curl https://api.stripe.com/v1/accounts/{{CONNECTED_STRIPE_ACCOUNT_ID}}/persons/{{PERSON_ID}} \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc: \
  -d "relationship[representative]"=false

• Update the Person object to nominate the new representative:

curl https://api.stripe.com/v1/accounts/{{CONNECTED_STRIPE_ACCOUNT_ID}}/persons/{{PERSON_ID}} \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc: \
  -d "relationship[representative]"=true

• Monitor the requirements.currently_due and requirements.past_due arrays to make sure that verification of the new representative is complete. Even if the new representative Person is already verified, there might be additional requirements for the representative role.

After you set a representative to false, Stripe allows a grace period of 7 days for you to set the new representative to true and to complete verification.

Update the account tax identification number

When your connected account updates its verified Tax ID (personal* or business), the account must agree again to the Stripe Services Agreement (SSA). Doing so accepts the transfer of ownership of their account and its balances from the entity assigned the initial Tax ID to the one assigned the new Tax ID. The information below describes the process for collecting this requirement when changing an account’s verified Tax ID.

• This applies when you update or resubmit a verified representative’s existing ID number and ssn_last_4.

Update Tax ID with a grace period

After the account updates its Tax ID, the account enters a 7-day grace period during which it must agree once again to the Stripe Services Agreement (SSA) and make sure it’s compliant with all requirements. If the connected account can’t meet its requirements after 7 days, then charges and payouts for the account are paused

You have two ways to collect this requirement:

• If you use Connect Onboarding, you can use Stripe’s onboarding flows to collect this new requirement from your account. After an account modifies its tax identification number, you can provide a link to Stripe’s onboarding flow. From there, the account can fulfill any necessary requirements.

  • For Express accounts, you can create a single-use login link that allows the account to access their Stripe dashboard to edit their tax identification number and agree once again to the Stripe Services Agreement (SSA).
  • For Custom accounts, you can use Connect Onboarding to provide your account with a link to edit their tax identification number and agree once again to the Stripe Services Agreement (SSA).

• If you handle your platform’s onboarding directly rather than using Connect Onboarding, you need to make sure that the account agrees once again to the Stripe Services Agreement (SSA) by following the instructions in the following section.

Collect agreement of the Stripe Services Agreement once again Custom only

If you enable a Custom account to update its verified Tax ID from your product, you must add a section to make it clear that the account agrees once again to the Stripe Services Agreement (SSA). You must also make it clear that the account associated with the original TIN agrees to transfer ownership of the account and its balances to the updated account owner (associated with the updated TIN).

One way to achieve this is by including a clear reference and link to the agreement language below, then documenting that the account agrees using the update account API:

Use the update account API to collect the requirements, providing the user’s IP address and the acceptance date as a timestamp. The acceptance date of the signature (tos_acceptance[date]) must be the time that your connected account requested the update to the Tax ID number. It can also be any time after they requested the update.

curl https://api.stripe.com/v1/accounts/
{{CONNECTED_ACCOUNT_ID}} \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc: \
  -d "tos_acceptance[date]"=1609798905 \
  -d "tos_acceptance[ip]"="8.8.8.8"