How can I set up a test, Stripe connect account on the backend and skip onboarding? - stripe-payments

Question

When I try to set up a test, Stripe connect account on the backend and skip onboarding, I run into address and identity verification issues. How can I resolve these?
Background: for testing backend features other than Stripe onboarding, it would be helpful to set up a test Stripe connect account that has completed onboarding. There are other answers here indicating that there is no one-call process to complete that, but it's not clear exactly what the steps are.
Below I try to complete this in 3 steps; but I am running into an issue: the address is unverified even though I'm using the address 'token' that the documentation says will automatically verify.
My steps:
Create an account token
Create a bank_account token
Create an account, using those tokens
Result: when I check the account after a few seconds (I wait 10 seconds for verification) I get:
account.payouts_enabled: true
account.charges_enabled: true
account.currently_due: [
"individual.address.line1"
]
account.past_due: []
account.eventually_due: []
account.disabled_reason: requirements.pending_verification
account.pending_verification: [
'individual.address.city',
'individual.address.line1',
'individual.address.postal_code',
'individual.address.state',
'individual.id_number'
]
The problem: why is the address line marked "currently_due" (when I'm using the documented token "address_full_match​") and address verification incomplete? Additionally, why is the individual.id_number pending verification (when I'm using the documented token "222222222")?
Code below, using the Stripe Node API:
const accountToken = await stripe.tokens.create({
account: {
business_type: 'individual',
individual: {
first_name: 'Jenny',
last_name: 'Rosen',
// https://stripe.com/docs/connect/testing
// Use these addresses for line1 to trigger certain verification conditions. You must pass in legitimate values for the city, state, and postal_code arguments.
// address_full_match​ Successful verification.
// address_no_match Unsuccessful verification.
address: {
line1: 'address_full_match​',
city: 'Columbus',
state: 'OH',
postal_code: '43214',
// country: 'US'
},
// https://stripe.com/docs/connect/testing#test-dobs
// 1901-01-01 Successful verification. Any other DOB results in unsuccessful verification.
// 1902-01-01 Successful, immediate verification. The verification result is returned directly in the response, not as part of a webhook event.
// 1900-01-01 This DOB will trigger an Office of Foreign Assets Control (OFAC) alert.
dob: {
day: 1,
month: 1,
year: 1902
},
// https://stripe.com/docs/connect/testing
// Use these personal ID numbers for individual[id_number] or the id_number attribute on the Person object to trigger certain verification conditions.
// 000000000 Successful verification. 0000 also works for SSN last 4 verification.
// 111111111 Unsuccessful verification (identity mismatch).
// 222222222 Successful, immediate verification. The verification result is returned directly in the response, not as part of a webhook event.
id_number: '222222222',
// ssn_last_4: '0000',
email: 'jenny.rosen#example.com',
phone: '000 000 0000'
},
tos_shown_and_accepted: true,
},
});
const bankAccountToken = await stripe.tokens.create({
bank_account: {
country: 'US',
currency: 'usd',
account_holder_name: 'Jenny Rosen',
account_holder_type: 'individual',
routing_number: '110000000',
account_number: '000123456789',
},
});
const account = await stripe.accounts.create({
type: 'custom',
country: 'US',
business_profile: {
mcc: '5734', // Merchant Category Code. 5734 = Computer Software Stores
product_description: 'Cool Beans, Inc',
},
external_account: bankAccountToken.id,
capabilities: {
card_payments: {
requested: true,
},
transfers: {
requested: true,
},
},
account_token: accountToken.id,
});

Answer 1

Here's the config that works for me:
async function createTestStripeAccount() {
return await stripe.accounts.create({
type: 'custom',
country: 'US',
capabilities: {
card_payments: { requested: true },
transfers: { requested: true }
},
business_type: 'individual',
external_account: {
object: 'bank_account',
country: 'US',
currency: 'usd',
routing_number: '110000000',
account_number: '000123456789'
},
tos_acceptance: { date: 1609798905, ip: '8.8.8.8' },
business_profile: { mcc: 5045, url: 'https://bestcookieco.com' },
individual: {
first_name: 'Test',
last_name: 'User',
phone: '[phone]',
email: 'test#example.com',
id_number: '222222222',
address: {
line1: '123 State St',
city: 'Schenectady',
postal_code: '12345',
state: 'NY'
},
dob: {
day: 10,
month: 11,
year: 1980
}
}
})
}

Answer 2

I've managed to set it up today for my client in sandbox and production.
PHP version with using the official library SDK from stripe.
composer require stripe/stripe-php
At the time of this writing the above version of stripe/stripe-php is exactly v9.6.0
<?php
\Stripe\Stripe::setApiKey('yourSandbox-STRIPE_SECRET_KEY-Here');
\Stripe\Account::create([
"type" => "custom",
"country" => "GB",
"capabilities" => [
"card_payments" => [
"requested" => true,
],
"transfers" => [
"requested" => true,
],
],
"business_type" => "individual",
"external_account" => [
"object" => "bank_account",
"country" => "GB",
"currency" => "gbp",
"account_number" => "00012345",
],
'tos_acceptance' => ['date' => 1609798905, 'ip' => '8.8.8.8'],
"business_profile" => [
"mcc" => 5045,
"url" => "https://exmple.com",
],
"individual" => [
"first_name" => "Test",
"last_name" => "User",
"phone" => "[phone]",
"email" => "test#example.com",
"id_number" => "222222222",
"address" => [
"line1" => "123 State St",
"city" => "London",
"postal_code" => "TF5 0DL",
],
"dob" => [
"day" => 01,
"month" => 01,
"year" => 1901,
],
],
]);
I hope it will help somebody to save some time. Cheers and good luck.
References:
https://stripe.com/docs/connect/custom-accounts#create
https://stripe.com/docs/connect/testing#identity-and-address-verification
https://stripe.com/docs/connect/updating-accounts

Answer 3

You have to add document field as well for upload document to make the account active for testing purpose.
const account = await stripe.accounts.create({
type: "custom",
country: "US",
capabilities: {
card_payments: { requested: true },
transfers: { requested: true },
},
business_type: "individual",
external_account: {
object: "bank_account",
country: "US",
currency: "usd",
routing_number: "110000000",
account_number: "000123456789",
},
tos_acceptance: { date: new Date(), ip: "8.8.8.8" },
business_profile: { mcc: 5045, url: "https://bestcookieco.com" },
individual: {
first_name: "custom_user",
last_name: "one",
phone: "[phone]",
email: "custom_user1#yopmail.com",
id_number: "222222222",
address: {
line1: "address_full_match",
city: "Schenectady",
postal_code: "12345",
state: "NY",
},
dob: {
day: 01,
month: 01,
year: 1901,
},
verification: {
document: {
front: "file_identity_document_success",
},
},
},
});