Stripe Connected Accounts - Restricted

Recently stripe has been making it more difficult to use their system generally, but especially with Test data for connected accounts.

If you are experiencing an issue where the connected accounts in test data are always created as restricted and there is no mention in the connected account stripe dashboard (likely the case now) as to what is required to make it not restricted, use the API call for create account links.

Make sure to set the parameter for collect to be currently_due…this will make it so when the URL generated by the account link API call is navigated to, the Stripe hosted page should then provide the details of what data needs to be collected to make unrestricted.

These are usually the ID and address verifications. Be sure to click buttons to use test documents for these.

2 Likes

@boston85719 is there a way to do this without an API? And is this just for Express accounts?

I’m having the same problem and the Stripe Support team isn’t being particularly helpful. They’ve given me the link to the test data if you’re passing the information through from an API and also told me to enter real data if I’m adding the information in manually.

I’m still just ending up with Restricted accounts wanting identification documents for the business representative. When I added the data on the Stripe onboarding pages there was no opportunity to use any test documents. And when I try and fix the issue as the connected account, it’s telling me I don’t have access. And as my main account it tells me to tell the connected account to contact Stripe support.

Getting a bit frustrated as I’ve been trying to resolve this for the last five hours.

The process I’m using to set the connected account up is Register the User As a Seller, which correctly links me through into my Stripe account, adds the connected account, returns the User back into my app and sends the seller ID back to my app. But I’m pretty sure it’s using Standard, not Express. Not sure if that makes a difference?

I also tried creating a connected account from within Stripe, selecting Express and using the link provided to add the users details into Stripe. This creates an active account. I then tried the setup process from within the app and selected this account but it doesn’t send the seller ID back to the app. I’m about to tear my hair out because I can’t test either the onboarding process or the payment process.

If you have any suggestions other than waiting for Stripe to get back to me, I’m all ears!

I do not believe so as the student I was helping resolve this issue was not using express accounts.

I don’t believe so. During my training session with the student we spent 50 minutes out of 60 trying to find a way through the normal process and kept coming up empty…then I decided to try the API for account links.

They went from awful to horrendous over the past 5 years

Thanks for your reply.

It doesn’t make sense that they wouldn’t properly support the test environment, especially since they’ve gone to the trouble of providing it. If we can’t test, we can’t sell and they don’t get their fees! :woman_shrugging:

I don’t bother any longer trying to get into the minds of other people, especially when they seem illogical.

Hey @Karen-Amicii - Stripe can be a bit tricky to test, but if you want to quickly get through the on-boarding forms for connect (~2mins) you can use this test data. This will verify the test account from ‘restricted’ to ‘charges enabled’

2FA

  • Use your auth app

Business info:

  • EIN: (000000000000)
  • Address: Any US address
  • Business Website: https://accessible.stripe.com

Personal info:

  • D.O.B: 01-01-1901
  • Address: Any US address
  • Phone: 8888675309
  • Social Security: 0000

Bank

  • Select success

Other info

  • anywhere it says phone: 8888675309

For the other generic fields (e.g. company name, first and last, you can just use any value)

1 Like

Thanks so much @DjackLowCode, appreciate the information. I end up getting lost in the circular link minefield of the Stripe help documents! I’ll give that a go and see if that works.

Thanks again.

Have you used those recently? I was using those values but still needed account links for identity document verification and address identity document.

No problem @Karen-Amicii - the docs can be a bit of a nightmare to navigate.

@boston85719 I’ve used them for standard (US) and they are enabling charges. Looking through the docs again if you still have issues they have specific values for address (modifying line 1) and identity (D.o.B 01-01-1901)

I wonder if there is any difference when the company Stripe account is not US based. I was using all the values provided in the documentation you linked for a student whose Stripe account is in Canada and those values didn’t make it so the connected account came back as verified, and always resulted in restricted. It was only the API call for account links that got it so we could get a connected account to be verified after following link and using the test id verification document and test address verification document.

I’m in Australia @boston85719 and I got it to return an ‘enabled’ account, and my advisor, also in Australia, who tested it separately successfully created a ‘complete’ connected account using the test data supplied by @DjackLowCode

2 Likes