Creating Custom Account for Stripe - node.js

Question

I tried creating Stripe Custom account on test mode
Request
const createAccountTeacher = catchAsync(async (req, res) =>
{
const date = new Date();
let time = Math.floor(date.getTime() / 1000);
const email = req.body.email;
const country = req.body.country;
const createAccount = await stripe.accounts.create({
type: 'custom',
country: country,
business_type: 'individual',
tos_acceptance: {
date: time,
ip: '8.8.8.8',
},
business_profile: {
mcc: '5734',
url: 'http://google.com',
product_description: 'Good Product',
support_phone: '12345567',
product_description: 'Teaching Courses available',
support_phone: '[phone]',
},
individual: {
first_name: 'ABC',
last_name: 'XYZ',
dob: {
day: 24,
month: 6,
year: 1992,
},
address: {
line1: '1996 W Highland Ave',
postal_code: 90002,
city: ' San Bernardino',
state: 'California',
},
email: email,
phone: '[phone]',
ssn_last_4: 9999,
id_number: 123459999,
},
external_account: {
object: 'bank_account',
country: 'US',
currency: 'usd',
account_number: '000123456789',
routing_number: 121000358,
},
capabilities: {
card_payments: { requested: true },
transfers: { requested: true },
},
});
if (createAccount) {
res.status(200).json({ data: createAccount });
}
});
Here as response
{
"data":
{
"details_submitted": true,
"type": "custom",
"metadata": {},
"id": "acct_1LNcOTD4Ev4rC234",
"object": "account",
"default_currency": "usd",
"capabilities": {
"transfers": "pending",
"card_payments": "pending"
},
"business_type": "individual",
"individual": {
"metadata": {},
"id": "person_1LNcOVD4Ev4rC234OQjvuHiP",
"object": "person",
"account": "acct_1LNcOTD4Ev4rC234",
"dob": {
"year": 1992,
"day": 24,
"month": 6
},
"requirements": {
"currently_due": [],
"past_due": [],
"eventually_due": [],
"pending_verification": [
"id_number",
"verification.document"
],
"errors": [],
"alternatives": []
},
"ssn_last_4_provided": true,
"phone": "[phone]",
"relationship": {
"percent_ownership": null,
"title": null,
"owner": false,
"director": false,
"representative": true,
"executive": false
},
"future_requirements": {
"currently_due": [],
"past_due": [],
"eventually_due": [],
"pending_verification": [],
"errors": [],
"alternatives": []
},
"verification": {
"status": "pending",
"details": null,
"document": {
"details_code": null,
"front": null,
"details": null,
"back": null
},
"additional_document": {
"details_code": null,
"front": null,
"details": null,
"back": null
},
"details_code": null
},
"address": {
"line2": null,
"line1": "1996 W Highland Ave",
"state": "California",
"postal_code": "90002",
"city": " San Bernardino",
"country": "US"
},
"email": "lilypota#ema-sofia.eu",
"created": 1658321573,
"first_name": "ABC",
"id_number_provided": true,
"last_name": "XYZ"
},
"charges_enabled": false,
"settings": {
"dashboard": {
"display_name": "Google",
"timezone": "Etc/UTC"
},
"payouts": {
"debit_negative_balances": false,
"statement_descriptor": null,
"schedule": {
"interval": "daily",
"delay_days": 2
}
},
"card_issuing": {
"tos_acceptance": {
"ip": null,
"date": null
}
},
"bacs_debit_payments": {},
"payments": {
"statement_descriptor_kanji": null,
"statement_descriptor_kana": null,
"statement_descriptor": "GOOGLE.COM"
},
"sepa_debit_payments": {},
"card_payments": {
"statement_descriptor_prefix_kanji": null,
"statement_descriptor_prefix": null,
"statement_descriptor_prefix_kana": null,
"decline_on": {
"avs_failure": false,
"cvc_failure": false
}
},
"branding": {
"icon": null,
"secondary_color": null,
"logo": null,
"primary_color": null
}
},
"tos_acceptance": {
"ip": "8.8.8.8",
"user_agent": null,
"date": 1658321567
},
"requirements": {
"current_deadline": null,
"past_due": [],
"errors": [],
"disabled_reason": "requirements.pending_verification",
"pending_verification": [
"individual.id_number",
"individual.verification.document"
],
"currently_due": [],
"eventually_due": [],
"alternatives": []
},
"payouts_enabled": false,
"company": {
"tax_id_provided": false,
"phone": "[phone]",
"owners_provided": true,
"verification": {
"document": {
"details_code": null,
"front": null,
"details": null,
"back": null
}
},
"address": {
"line2": null,
"line1": "1996 W Highland Ave",
"state": "California",
"postal_code": "90002",
"city": " San Bernardino",
"country": "US"
},
"executives_provided": true,
"directors_provided": true,
"name": null
},
"external_accounts": {
"has_more": false,
"total_count": 1,
"object": "list",
"url": "/v1/accounts/acct_1LNcOTD4Ev4rC234/external_accounts",
"data": [
{
"last4": "6789",
"account_holder_name": null,
"metadata": {},
"id": "ba_1LNcOUD4Ev4rC234XwzzfiqR",
"object": "bank_account",
"account_type": null,
"default_for_currency": true,
"account_holder_type": null,
"account": "acct_1LNcOTD4Ev4rC234",
"status": "new",
"available_payout_methods": [
"standard"
],
"bank_name": "BANK OF AMERICA, N.A.",
"currency": "usd",
"country": "US",
"routing_number": "121000358",
"fingerprint": "gqPBt6FUMZJkqc9q"
}
]
},
"future_requirements": {
"current_deadline": null,
"past_due": [],
"errors": [],
"disabled_reason": null,
"pending_verification": [],
"currently_due": [],
"eventually_due": [],
"alternatives": []
},
"country": "US",
"email": null,
"created": 1658321576,
"business_profile": {
"support_email": null,
"product_description": "Teaching Courses available",
"mcc": "5734",
"support_url": null,
"support_address": null,
"url": "http://google.com",
"support_phone": "[phone]",
"name": null
}
}
}
Custom Account is created but the problem it is restricted because of identity document
I am trying to upload the document like this
const updateAccount = catchAsync(async (req, res) => {
// let imagepath = ${req.protocol}://${req.get('host')}/uploads/${req.file.filename};
if(req.file.path){
const file = await stripe.files.create({
purpose: 'identity_document',
file: {
data: fs.readFileSync(req.file.path),
name: req.file.filename,
type: 'application/octet-stream',
},
}, {
stripeAccount: 'acct_1LNcOTD4Ev4rC234',
});
if(file){
res.status(200).json({data:file})
}
}
})
Still the custom account is restricted.
I would appreciate little help.