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    "result": {"data":{"markdownRemark":{"frontmatter":{"title":"Changes to Stripe provider onboarding and Stripe Capabilities framework","slug":"stripe-provider-onboarding-and-capabilities","updated":"2019-12-20T00:00:00.000Z","category":"operator-guides-concepts","ingress":"Capabilities framework offers tools to manage regulatory aspects of provider onboarding. This article outlines mandatory changes to the framework and instructions regarding your actions on reacting to those changes.","skills":null},"htmlAst":{"type":"root","children":[{"type":"element","tagName":"h2","properties":{"id":"introduction","style":"position:relative;"},"children":[{"type":"element","tagName":"a","properties":{"href":"#introduction","ariaLabel":"introduction permalink","className":["anchor","before"]},"children":[{"type":"element","tagName":"svg","properties":{"ariaHidden":"true","focusable":"false","height":"16","version":"1.1","viewBox":"0 0 16 16","width":"16"},"children":[{"type":"element","tagName":"path","properties":{"fillRule":"evenodd","d":"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z"},"children":[]}]}]},{"type":"text","value":"Introduction"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"Coping with regulatory environment regarding provider onboarding can be\na complex and daunting task. Fulfilling these requirements means that\nyou need to be collecting a variety of information from your providers\nin order to be able to process payments. Stripe has a mechanism for\ncontrolling the amount of information collected from providers called\n"},{"type":"element","tagName":"a","properties":{"href":"https://stripe.com/docs/connect/capabilities-overview","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"Capabilities"}]},{"type":"text","value":"."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"Capabilities are a collection of settings that can be requested for each\nprovider. What Capabilities are required determines what information\nStripe requires to be collected from the providers."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"Currently, marketplaces located in the United States have used\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"card_payments"}]},{"type":"text","value":" Capability for their providers. Rest of the world has\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"legacy_payments"}]},{"type":"text","value":" enabled."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"h2","properties":{"id":"changes-to-capabilities-framework","style":"position:relative;"},"children":[{"type":"element","tagName":"a","properties":{"href":"#changes-to-capabilities-framework","ariaLabel":"changes to capabilities framework permalink","className":["anchor","before"]},"children":[{"type":"element","tagName":"svg","properties":{"ariaHidden":"true","focusable":"false","height":"16","version":"1.1","viewBox":"0 0 16 16","width":"16"},"children":[{"type":"element","tagName":"path","properties":{"fillRule":"evenodd","d":"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z"},"children":[]}]}]},{"type":"text","value":"Changes to Capabilities framework"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"Stripe is introducing mandatory changes to the Capabilities framework.\nIn the beginning of 2020, Stripe will enforce Capabilities for all\naccounts, existing and new. Stripe’s deadlines for reacting to these\nchanges are:"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"ul","properties":{},"children":[{"type":"text","value":"\n"},{"type":"element","tagName":"li","properties":{},"children":[{"type":"text","value":"February 20th 2020 for customers in the US."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"li","properties":{},"children":[{"type":"text","value":"March 31st 2020 for the rest of the world."}]},{"type":"text","value":"\n"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"In practice, there might be small variations for these depending on the\ncountry and activity of the marketplace."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"After requesting new Capabilities, your providers need to most likely\nprovide additional verification information to Stripe and you need to\nupdate your provider onboarding and payment information updating\nprocesses in your marketplace application."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"h2","properties":{"id":"how-should-you-handle-the-changes-to-capabilities-framework","style":"position:relative;"},"children":[{"type":"element","tagName":"a","properties":{"href":"#how-should-you-handle-the-changes-to-capabilities-framework","ariaLabel":"how should you handle the changes to capabilities framework permalink","className":["anchor","before"]},"children":[{"type":"element","tagName":"svg","properties":{"ariaHidden":"true","focusable":"false","height":"16","version":"1.1","viewBox":"0 0 16 16","width":"16"},"children":[{"type":"element","tagName":"path","properties":{"fillRule":"evenodd","d":"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z"},"children":[]}]}]},{"type":"text","value":"How should you handle the changes to Capabilities framework?"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"For Flex payments to operate smoothly, your accounts need to have the\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"card_payments"}]},{"type":"text","value":" and "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"transfers"}]},{"type":"text","value":" Capabilities required and activated.\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"card_payments"}]},{"type":"text","value":" will enable the providers to accept payments by card and\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"transfers"}]},{"type":"text","value":" will allow the platform account to move money to connected\naccounts. Requesting "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"card_payments"}]},{"type":"text","value":" will enforce also requesting\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"transfers"}]},{"type":"text","value":" Capability. Requesting Capabilities can be done during\nStripe Account\n"},{"type":"element","tagName":"a","properties":{"href":"https://www.sharetribe.com/api-reference/marketplace.html#create-stripe-account","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"create"}]},{"type":"text","value":"\nand\n"},{"type":"element","tagName":"a","properties":{"href":"https://www.sharetribe.com/api-reference/marketplace.html#update-stripe-account","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"update"}]},{"type":"text","value":"\ncalls."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"Activating the Capabilities happens by providing identity verification\ninformation to Stripe. The recommended way to achieve this is by using\n"},{"type":"element","tagName":"a","properties":{"href":"https://stripe.com/en-fi/connect/onboarding","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"Stripe Connect Onboarding"}]},{"type":"text","value":".\nThe Stripe Connect Onboarding will automatically ensure that all\nrequired information is collected from providers."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"However, if you wish to control the onboarding flow fully, you can\nutilize "},{"type":"element","tagName":"a","properties":{"href":"https://stripe.com/docs/connect/account-tokens","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"account tokens"}]},{"type":"text","value":"\nduring the create and update calls. What information is required for\nCapability activation is dependent on the provider's account and\nactivity. The specific information can be determined programmatically\nfrom "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"stripeAccountData"}]},{"type":"text","value":" in\n"},{"type":"element","tagName":"a","properties":{"href":"https://www.sharetribe.com/api-reference/marketplace.html#stripe-account","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"Stripe Account"}]},{"type":"text","value":"\nresource. The "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"stripeAccountData"}]},{"type":"text","value":" attribute contains the related\n"},{"type":"element","tagName":"a","properties":{"href":"https://stripe.com/docs/api/accounts/object","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"Stripe Account Object"}]},{"type":"text","value":", as\nreturned by Stripe's API, where the fields "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"payouts_enabled"}]},{"type":"text","value":" and\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"requirements"}]},{"type":"text","value":" can provide you with valuable information."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"Depending on when you have subscribed to Flex, you may need to take\naction and implement changes to your marketplace's provider onboarding\nflow."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"h3","properties":{"id":"instructions-for-flex-subscriptions-started-before-december-20th-2019","style":"position:relative;"},"children":[{"type":"element","tagName":"a","properties":{"href":"#instructions-for-flex-subscriptions-started-before-december-20th-2019","ariaLabel":"instructions for flex subscriptions started before december 20th 2019 permalink","className":["anchor","before"]},"children":[{"type":"element","tagName":"svg","properties":{"ariaHidden":"true","focusable":"false","height":"16","version":"1.1","viewBox":"0 0 16 16","width":"16"},"children":[{"type":"element","tagName":"path","properties":{"fillRule":"evenodd","d":"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z"},"children":[]}]}]},{"type":"text","value":"Instructions for Flex subscriptions started before December 20th 2019"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"If you have subscribed to Flex before December 20th 2019 you need to\nreact to the changes."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"element","tagName":"strong","properties":{},"children":[{"type":"text","value":"Migration on January 8th 2020"}]}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"We will perform a migration on January 8th 2020 requiring\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"card_payments"}]},{"type":"text","value":", "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"transfers"}]},{"type":"text","value":" and "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"legacy_payments"}]},{"type":"text","value":" Capabilities for all\nof your provider accounts and update your marketplace's Stripe API\nversion to "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"2019-12-03"}]},{"type":"text","value":". "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"card_payments"}]},{"type":"text","value":" and "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"transfers"}]},{"type":"text","value":" Capabilities\nare required for payments to work after the above deadline.\n"},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"legacy_payments"}]},{"type":"text","value":" is a Capability allowing your current implementation\nto work until the deadline."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"element","tagName":"strong","properties":{},"children":[{"type":"text","value":"Your actions"}]}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"In order for you to make sure that your marketplace is ready for the\nabove deadline, you need to perform the following actions:"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"ul","properties":{},"children":[{"type":"text","value":"\n"},{"type":"element","tagName":"li","properties":{},"children":[{"type":"text","value":"If you wish to use Stripe Connect Onboarding, enable it in your\n"},{"type":"element","tagName":"a","properties":{"href":"https://dashboard.stripe.com/account/applications/settings","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"Stripe Dashboard"}]}]},{"type":"text","value":"\n"},{"type":"element","tagName":"li","properties":{},"children":[{"type":"text","value":"Make sure that your marketplace application is ready for the changes\nby following our\n"},{"type":"element","tagName":"a","properties":{"href":"/docs/legacy/how-to/provider-onboarding-and-identity-verification/"},"children":[{"type":"text","value":"how to guide for provider onboarding"}]}]},{"type":"text","value":"\n"},{"type":"element","tagName":"li","properties":{},"children":[{"type":"text","value":"Inform your providers that they need to provide additional information\nto Stripe. See below for instructions on how to do this."}]},{"type":"text","value":"\n"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"element","tagName":"strong","properties":{},"children":[{"type":"text","value":"Informing providers"}]}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"After the migration, the information about soon to be restricted\nprovider accounts can be found from Stripe. By navigating to your\n"},{"type":"element","tagName":"a","properties":{"href":"https://dashboard.stripe.com/connect/accounts/overview","target":"_blank","rel":["noopener","noreferrer"]},"children":[{"type":"text","value":"Stripe Dashboard"}]},{"type":"text","value":"\nConnect Accounts, you can list your providers that are restricted\ncurrently and that will be restricted soon. By using the same view, you\ncan also export contact infromation about the providers and utilize that\nto send appropriate information to them."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"element","tagName":"strong","properties":{},"children":[{"type":"text","value":"Not reacting to the changes"}]}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"If you don't react to the changes, your marketplace will continue\nfunctioning as is until the deadline. After that, the payments will\nstart failing for providers in your marketplace whose "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"card_payments"}]},{"type":"text","value":"\nand "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"transfers"}]},{"type":"text","value":" Capabilities haven't been activated by providing enough\nidentity verification information to Stripe."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"hr","properties":{},"children":[]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"You can already start implementing and testing the provider onboarding\nand updating processes in your marketplace application. Before deploying\nthese changes to production, we recommend that you wait for the\nmigration on January 8th. The migration will make implementing things\nsimpler regarding your existing provider accounts."}]},{"type":"text","value":"\n"},{"type":"element","tagName":"h3","properties":{"id":"instructions-for-flex-subscriptions-started-after-december-20th-2019","style":"position:relative;"},"children":[{"type":"element","tagName":"a","properties":{"href":"#instructions-for-flex-subscriptions-started-after-december-20th-2019","ariaLabel":"instructions for flex subscriptions started after december 20th 2019 permalink","className":["anchor","before"]},"children":[{"type":"element","tagName":"svg","properties":{"ariaHidden":"true","focusable":"false","height":"16","version":"1.1","viewBox":"0 0 16 16","width":"16"},"children":[{"type":"element","tagName":"path","properties":{"fillRule":"evenodd","d":"M4 9h1v1H4c-1.5 0-3-1.69-3-3.5S2.55 3 4 3h4c1.45 0 3 1.69 3 3.5 0 1.41-.91 2.72-2 3.25V8.59c.58-.45 1-1.27 1-2.09C10 5.22 8.98 4 8 4H4c-.98 0-2 1.22-2 2.5S3 9 4 9zm9-3h-1v1h1c1 0 2 1.22 2 2.5S13.98 12 13 12H9c-.98 0-2-1.22-2-2.5 0-.83.42-1.64 1-2.09V6.25c-1.09.53-2 1.84-2 3.25C6 11.31 7.55 13 9 13h4c1.45 0 3-1.69 3-3.5S14.5 6 13 6z"},"children":[]}]}]},{"type":"text","value":"Instructions for Flex subscriptions started after December 20th 2019"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"Your marketplace by default supports and is ready for the changes to the\nCapabilities framework. In practice:"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"ul","properties":{},"children":[{"type":"text","value":"\n"},{"type":"element","tagName":"li","properties":{},"children":[{"type":"text","value":"The "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"card_payments"}]},{"type":"text","value":" and "},{"type":"element","tagName":"code","properties":{},"children":[{"type":"text","value":"transfers"}]},{"type":"text","value":" are required for your users"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"li","properties":{},"children":[{"type":"text","value":"The newest Flex Template for Web is using Stripe Connect Onboarding"}]},{"type":"text","value":"\n"}]},{"type":"text","value":"\n"},{"type":"element","tagName":"p","properties":{},"children":[{"type":"text","value":"You can continue using Flex API and developing your marketplace as is,\nand you don't need to react specifically to the changes."}]}],"data":{"quirksMode":false}},"headings":[{"value":"Introduction","depth":2},{"value":"Changes to Capabilities framework","depth":2},{"value":"How should you handle the changes to Capabilities framework?","depth":2},{"value":"Instructions for Flex subscriptions started before December 20th 2019","depth":3},{"value":"Instructions for Flex subscriptions started after December 20th 2019","depth":3}]}},"pageContext":{"slug":"stripe-provider-onboarding-and-capabilities","category":"operator-guides-concepts"}},
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