# Verification requirements for Stripe accounts in Singapore

All Singapore-based Stripe accounts are required to complete the following verification steps. These requirements are determined by local regulations and apply to both new accounts and existing accounts that haven't yet completed verification. Stripe will surface outstanding requirements in the Dashboard — log in to see exactly what needs to be completed for your account.
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## Business type and structure
Stripe verifies that the business type and legal structure registered on your Stripe account matches the information on file with ACRA (Accounting and Corporate Regulatory Authority of Singapore). ACRA is the national regulator of business entities and public accountants in Singapore, and maintains the official register of businesses through BizFile+.
Every business registered in Singapore is assigned a Unique Entity Number (UEN) — a standard identification number used across government agencies. Stripe uses your UEN to cross-reference your business type and structure against ACRA records.
If the business type or structure on your Stripe account does not match what ACRA has on record, you will be asked to correct this in the Dashboard before verification can proceed. This may involve updating your legal entity type (for example, from sole proprietor to private limited company) or confirming your registered business name and address.
Acceptable entity documents:
* ACRA BizFile (for locally incorporated businesses)
* Certificate of Registration with the Registry of Societies (ROS) (for societies, associations, and registered charities)
All documents must be issued or notarized within the last 12 months.
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## Account representative
Every Stripe account must have a designated account representative — a real, named individual who is authorized to act on behalf of the business. Stripe is required by regulation to verify that this person holds a recognized position of authority within the organization and that their identity can be independently confirmed.
The account representative must complete all three of the following verifications:
### Proof of authority
In Singapore, Stripe is required to verify that the person listed as the account representative is genuinely authorized to act on behalf of the business. This is known as Representative Authority Verification.
The account representative **must be listed** on ACRA BizFile as a key officer in one of the following roles: Owner, Director, Managing Director, CEO, Partner, General Partner, or Trustee.
* **Non-Profits and charities:** The representative must be listed on [charities.gov.sg](http://charities.gov.sg/) or [ros.mha.gov.sg](http://ros.mha.gov.sg/) as an office bearer — one of: President, Executive Director, CEO, Treasurer, Secretary, Chairman, or Trustee. If your registry information is not up to date, it must be updated on the relevant government portal before Stripe can complete verification.
* **Partnerships:** For partnerships, Stripe considers all Partners, Managers, and Owners listed on ACRA as the Ultimate Beneficial Owners of the business. These individuals will be pre-filled in the Dashboard for you to confirm.
* **Individual accounts:** This requirement does not apply to Individual accounts.
If the key officers listed on ACRA are unable to manage the Stripe account, a Letter of Authorization ([template](https://b.stripecdn.com/verifications/assets/Letter_of_authorization_for_Stripe_Singapore.pdf)) will be required. The letter must be signed by a key officer, dated within the last 12 months, and have all names written in English — it should authorize a designated individual to act as the account representative for the business. The letter, along with a copy of the signatory's identity document, can be uploaded to the Dashboard. The designated individual can then complete verification as the account representative on Stripe.
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### Proof of liveness
Stripe is required to confirm that the account representative is a real person and that their identity matches the information provided. This is done through a liveness check, which combines an identity document with a real-time selfie verification.
The representative can complete this in one of two ways:
* Via Singpass (MyInfo) — Singpass is Singapore's national digital identity system. Using Singpass allows the representative's identity and address to be verified instantly and securely through the Singapore government's records, without the need to upload physical documents.
* Via Stripe Identity — If the representative does not have a Singpass account, they can verify by uploading a supported identity document and completing a selfie check using their phone camera or webcam.
Acceptable identity documents:
* Passport
* Driver's license (front and back scans required)
* National Registration Identity Card (NRIC) (front and back scans required)
* Work Pass or Long Term Pass (front and back scans required)
Required information:
* Full legal name matching the name in your Stripe settings
* Date of birth matching your Stripe settings
* Photo of the person
If the account representative resides in a different country from the Stripe account country, a valid passport is the only accepted form of identification. Other document types will not be accepted in cross-border situations.
Read more about Enhanced Identity Verifications for Singapore based accounts)
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### Address verification
Stripe verifies the residential address of the account representative to confirm the information provided matches a reliable, independent source. This is a standard requirement under anti-money laundering (AML) and know-your-customer (KYC) regulations.
If the representative uses Singpass, their address is verified automatically through MyInfo and no additional document upload is needed.
If uploading documents manually, the document must show the representative's full legal name and residential address, and the address must match what is on file in your Stripe settings.
Acceptable address documents:
* Digital identity document with address (for example, via Singpass/MyInfo)
* Government-issued identity document with address (front and back scans required)
* Utility bill (dated within 6 months)
* Correspondence with a government agency (dated within 6 months)
* Bank account statement (dated within 6 months)
* CN ID Card (acceptable as proof of address for accounts with a China-based representative)
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## UBO/Director verification
### Ultimate Beneficial Owners (UBOs)
Ultimate Beneficial Owners are individuals who, directly or indirectly, own 25% or more of your business. Stripe will pre-fill all owners who own 25% or more of your business that are listed on ACRA, based on the UEN you provided.
If the list of pre-filled owners is not accurate, you can edit this information manually. Stripe requests that you submit additional documentation that matches the updated information provided. You can upload one of these documents on the Dashboard (issued/notarized in the last 12 months):
* A government registration document (such as ACRA BizFile)
* A notarized internal document
* A [certified attestation](https://b.stripecdn.com/verifications/assets/Stripe_Singapore_Ultimate_Beneficial_Owner_Certified_Attestation_Template) using this template
If your company has holding companies as shareholders, Stripe recommends you upload a certified attestation.
An additional ID may be required for owners if their ID information is not available on the uploaded document.
For charities and non-profit organizations that do not issue shares and therefore have no shareholders, Beneficial Owners are, in accordance with regulatory guidelines, are defined as individuals who control, exert influence, or have executive authority over the organization. Consequently, we would need to identify and verify identities of all directors and key executives for such organizations.
Stripe will pre-fill the names of all directors and key executives listed on [charities.gov.sg](http://charities.gov.sg/), based on the UEN shared by you. You will then be required to add the ID numbers for each person, and any known aliases.
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### Directors
Stripe requires that all current directors of the business be listed on the account. Directors are the individuals who are formally appointed to the board and are responsible for the management of the company. This requirement exists independently of ownership — a director who owns less than 25% of the business must still be disclosed.
Stripe will attempt to pre-fill director information based on ACRA records for your UEN. If the pre-filled director list is complete and accurate, no additional documentation is required.
If the director list needs to be updated or cannot be confirmed from ACRA alone, you can upload one of the following documents (issued/notarized in the last 12 months):
* ACRA BizFile
* A [UBO and Directorship Certified Attestation](https://b.stripecdn.com/verifications/assets/Stripe_Singapore_Ultimate_Beneficial_Owner_And_Directors_Certified_Attestation_Template) using Stripe's template
* Notarized internal documents (for example, board minutes or a director register)
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### Exemptions from UBO verification
Certain Singapore businesses may request an exemption from disclosing all UBO details. You can request an exemption via the Dashboard if your company is:
* A financial institution: To be eligible for exemption as a financial institution, your company must be listed as a Financial Institution by MAS [here](https://eservices.mas.gov.sg/fid).
* A publicly traded company: To be eligible for exemption as a publicly traded company, your company must be listed on a stock exchange in a Financial Action Task Force (FATF) country. FATF countries are listed [here](https://www.fatf-gafi.org/en/countries.html).
* A government entity
* A company that has at least 75% of its business owned by a financial institution, a publicly traded company, or a government entity.
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## Useful links and templates
* [Letter of authorization (standard) template](https://b.stripecdn.com/verifications/assets/Letter_of_authorization_for_Stripe_Singapore.pdf)
* [UBO Certified attestation template](https://b.stripecdn.com/verifications/assets/Stripe_Singapore_Ultimate_Beneficial_Owner_Certified_Attestation_Template)
* [Acceptable verification documents (Singapore)](https://docs.stripe.com/acceptable-verification-documents?country=SG)
* Singapore: Invite an authorized business representative
* [MAS financial institutions list](https://eservices.mas.gov.sg/fid)
* [FATF member countries list](https://www.fatf-gafi.org/en/countries.html)