# US verification requirements for platforms with Custom accounts: FAQ

Verification requirements are changing for Custom connected accounts with the [card_payments](https://docs.stripe.com/connect/account-capabilities#card-payments) capability enabled in the US. These requirements must be met so they can continue to accept card payments and receive payouts.
The changes impact:
* The information required from sole proprietorships, single-member LLCs, and public companies
* How we obtain legal guardian consent for accounts opened by minors
* How we verify business information and provide detailed verification responses
* The threshold at which we verify tax identification numbers (TINs)
* How we pre-fill statement descriptors and statement descriptor prefixes
See a more detailed explanation of the various changes.
## How do I need to change my onboarding process?
The steps you need to take depend on [how you currently onboard accounts](https://docs.stripe.com/connect/handle-verification-updates#onboarding-flow-options):
* Stripe-hosted onboarding
* Embedded components
* API-based onboarding
**Stripe-hosted onboarding or embedded components**
Collect updated information from accounts by September 30, 2024, so that these accounts can continue to receive payouts and to accept payments.
Your [Dashboard](https://dashboard.stripe.com/connect/accounts_to_review) and the [Accounts API](https://docs.stripe.com/api/accounts) both show which of your accounts need to provide updated information.
Send users to your Stripe-hosted onboarding flow or the embedded onboarding component to collect the necessary information. Both update automatically with changing requirements.
**API-based onboarding**
Modify your onboarding flowso that new Custom connected accounts meet the updated requirements. And ensure that you’ve collected information from accounts by **September 30, 2024,** so that these accounts can continue to receive payouts and to accept payments.
**Modify your onboarding flow**_**:**_ There are a few ways to modify your onboarding flow to satisfy the updated requirements:
* Embedded components: Add our new [embedded onboarding components](https://stripe.com/docs/connect/custom/onboarding#embedded-onboarding) to your platform. They’re fully customizable, can be installed quickly, and handle verification requirements updates automatically.
* Stripe-hosted onboarding: Send US accounts to an onboarding experience built and hosted by Stripe. [Stripe-hosted onboarding](https://stripe.com/docs/connect/custom/onboarding#stripe-hosted-onboarding) adapts to handle verification requirements updates automatically.
* API-based onboarding: Modify your existing onboarding flow using detailed verification responses from the [Accounts API](https://stripe.com/docs/connect/custom/onboarding#api-based-onboarding). You’ll need to update your onboarding manually whenever requirements change.
**Collect updated information:** Your [Dashboard](https://dashboard.stripe.com/connect/accounts_to_review) and the [Accounts API](https://docs.stripe.com/api/accounts) both show which of your accounts need to provide updated information. You can use our new embedded components or Stripe-hosted onboarding flows to collect updated information from these accounts, or submit it via the API.
## What are the deadlines for the changes?
**New Custom connected accounts:** Must meet the updated requirements during onboarding. Otherwise, they won’t be able to accept payments.
**Existing Custom connected accounts** created on or before **March 1, 2024**: `future_requirements` will become current `requirements` at the earliest on September 30, 2024. The exact due date for each requirement will be available in the Dashboard. If your connected accounts have not provided the required information by the due date, they will not be able to receive payouts beginning 14 days following the due date (as soon as **October 14, 2024)** and will not be able to accept payments beginning 28 days following the due date (as soon as **October 28, 2024)**.
See [Deadlines FAQ](/questions/2023-2024-us-verification-requirements-updates-for-custom-platforms-due-dates-faqs) for more details.
## FAQ
### **What accounts are affected?**
These updated requirements apply to all accounts with the [card_payments](https://stripe.com/docs/api/accounts/object#account_object-capabilities-card_payments) capability enabled in the US.
### **How can I see which of my accounts require updated information?**
See the status of affected connected accounts in the Dashboard's [Accounts to review](https://dashboard.stripe.com/connect/accounts_to_review) page. To filter by country click, **More filters > Verification requirement** and then check the box(es) for the countries you want to see.
### **What features are available to help me meet the updated requirements?**
There are several features available in your Stripe Dashboard and in the [Accounts API](https://docs.stripe.com/api/accounts) that will help you meet the updated requirements.
**Stripe Dashboard**
* The [Connect overview page](https://dashboard.stripe.com/connect) shows your task list. The tasks provide more context on what is required and help you track when it’s complete.
* The Dashboard’s [Accounts to review](https://dashboard.stripe.com/connect/accounts_to_review) page displays all connected accounts with outstanding requirements. You can download links to send connected accounts to collect updated business information.
* A new Requirements Details page is coming (estimated end of September, 2024) to show the information your accounts have submitted and the specific reasons for any errors. This will help you guide our accounts through any issues. [Request early access](https://docs.stripe.com/connect/dashboard/managing-individual-accounts#actions-required).
**Accounts API**
The Accounts API now includes `future_requirements`, indicating requirements that will come into effect at a future date. New verification errors are accessible via `requirements.errors` and `future_requirements.errors`.
Additionally, [verification responses](https://docs.stripe.com/connect/handling-api-verification#handle-risk-verifications) specify which information is needed for each account. These will be available via the API automatically for all platforms starting on October 29, 2024. Review the guide to these API changes and [opt in early](https://dashboard.stripe.com/settings/early_access).
### **What are Future Requirements?**
`future_requirements` is an API field on the [account](https://docs.stripe.com/api/accounts/object#account_object-future_requirements), [person](https://docs.stripe.com/api/persons/object#person_object-future_requirements), and [capabilities](https://docs.stripe.com/api/capabilities/object#capability_object-future_requirements) objects to ease the process of adapting to evolving compliance requirements. It provides a preview of upcoming requirement changes for your connected accounts well before the requirement(s) goes into effect, making it easier to see what user onboarding changes to make for new users signing up on your platform, and any additional information existing users need to provide.
### **Why are accounts that already have a Stripe-verified SSN or ITIN showing as `eventually_due`?**
Business representatives must provide the last 4 digits of their SSN or ITIN at onboarding.
At the $500K payment volume threshold, owners need to provide the last 4 digits of their SSN or ITIN. If we can't programmatically obtain the full nine digit SSN for an owner using information already provided, you must provide the full nine digits. For users below this threshold, their account will show as `eventually_due`.
### **I also have other types of connected accounts, not just Custom connected accounts. Does this change impact those accounts?**
There's no action for you to take for your other types of connected accounts. Your Stripe onboarding flow has automatically updated to handle changing requirements. We'll reach out to any connected accounts that need to provide updated business information.
### **What happens if I don’t collect this information?**
If an account doesn't provide the required information by the listed due date, their ability to accept payments and receive payouts will be paused. Typically, the timeframe to provide updated information is within 14 days of the due date to continue receiving payouts, and within 28 days to continue accepting payments. However, that timeframe might vary for certain types of issues.
### **I use Stripe Issuing or Treasury for platforms, but my connected accounts don’t accept card payments. Do these requirements still apply to me?**
Stripe Issuing and Treasury don’t require an active `card_payments` capability. That means if one of your connected accounts with `card_payments` enabled fails to meet the new verification requirements, the Issuing and Treasury capabilities will remain active, and the account can continue to use Issuing and Treasury as normal.
### **My connected accounts don’t need to accept card payments. Do these requirements still apply to me?**
If your US connected accounts don't need to accept card payments, you can [unrequest](https://stripe.com/docs/connect/account-capabilities#requesting-unrequesting) the [card_payments](https://stripe.com/docs/api/accounts/update) capability for them.
If you unrequest `card_payments` in the US, the updated requirements won’t apply to your connected accounts, and you won’t need to adjust your integration or collect updated information from them.
### **Why is Stripe updating verification requirements for these accounts?**
Payments regulations aim to create a safer, more secure financial ecosystem by helping prevent crimes like money laundering, fraud, and tax evasion. Stripe has certain Know Your Customer (KYC) obligations that require us to collect, verify, and maintain identity information about our users, and for any individuals who ultimately own, control, or direct them. These requirements are frequently updated by Stripe, financial service regulators, card networks, and other financial institutions.
### **Will requirements continue to change?**
Yes. As regulatory requirements evolve globally, we expect our onboarding requirements to continue changing as well. If you use embedded onboarding components or Stripe-hosted onboarding, then Stripe automatically updates your onboarding flow to handle the latest verification requirements. If you use API-based onboarding, you’ll need to manually modify your onboarding flow whenever requirements change.