Testing Stripe Connect

Use testing to make sure your Connect integration handles different flows correctly. You can use Sandboxes to simulate live mode while taking advantage of Stripe-provided special tokens to use in your tests. See the payments testing guide for more information on testing charges, disputes, and so on.

Create test accounts

You can create multiple test accounts with different account types or controller properties that you want to test.

You can create test accounts using the Accounts API or in the Stripe Dashboard.

Use 000-000 as the SMS code when prompted for test accounts.

Test the OAuth flow

You can test your OAuth integration with connected accounts that use a Stripe-hosted Dashboard using your test client_id.

Your test client_id is ca_FkyHCg7X8mlvCUdMDao4mMxagUfhIwXb. You can find this in your Connect OAuth settings.

Your test client_id allows you to:

• Set your redirect_uri to a non-HTTPS URL
• Set your redirect_uri to localhost
• Force-skip the account form instead of having to fill out an entire account application (Stripe Dashboard accounts only)
• Get test access tokens for connected accounts

To test the OAuth flow, create a new account after clicking the OAuth link. You can also test connecting an existing Stripe account only if the email is different from your platform account.

Identity verification

After creating a test connected account, you can use tokens to test different verification statuses to make sure you’re handling different requirements and account states. You can use the following tokens to test verification with test accounts.

Test dates of birth

Use these dates of birth (DOB) for the individual.dob attribute on the Account object to trigger certain verification conditions.

Test addresses

Use these addresses for individual.address.line1 on the Account object to trigger certain verification conditions. You must pass in legitimate values for the city, state, and postal_code arguments.

Test personal ID numbers

Use these personal ID numbers for the individual.id_number attribute on the Account object to trigger certain verification conditions.

Test government-issued ID documents

For testing, use test images or file tokens instead of uploading your own test IDs. For details, refer to Uploading a file.

Test document images

You can use a verified image that causes the ID number to match successfully. You can use an unverified image that causes a mismatch on the ID number, leading to currently_due requirements.

Test file tokens

Use these file tokens to trigger certain identity verification conditions. Document tokens simulate the review process in production, so fields might appear in pending_verification before the result is applied.

Test relationship document tokens

Use these file tokens to trigger certain relationship document verification conditions. Document tokens simulate the review process in production, so fields might appear in pending_verification before the result is applied.

Test with high-risk accounts

For testing scenarios that apply only to high-risk accounts, force the business risk rating to high by appending _high_risk to the company.name.

Business information verification

Business address validation

In some countries, the business address associated with your connected account must be validated before charges, payouts, or both can be enabled on the connected account.

Test business addresses

Use these addresses for company.address.line1 to trigger certain validation conditions. You must pass in legitimate values for the city, state, and postal_code arguments.

Make sure you start with an address token that has the least permissive validation condition you want to test for. This is because you can’t use an address token that has a more restrictive validation condition than the previous token used. For example, if you provided address_full_match to have both charges and payouts enabled, you can’t disable payouts or charges afterward by changing the token to an invalid one. You can work around this by creating a new account with the relevant token.

Test business tax IDs

Use these business tax ID numbers for company.tax_id to trigger certain verification conditions. The test behavior might change depending on the Connected Account countries and the regulations in those countries. Depending on the country’s regulation, a valid tax document can mark tax ID verified in these countries.

Test directorship verification

Stripe performs directorship verification by comparing the list of directors on the Account object against a list retrieved from local registries. If the country requires it, you can trigger verification for an Account object by using these tokens for the first_name attribute on the associated Person and setting the relationship.director attribute on the Person to true.

The verification errors can trigger if multiple directors on the Account object use these magic tokens.

Test ownership verification

Stripe performs ownership verification by comparing the list of owners on the Account object against a list retrieved from local registries. If the country requires it, you can trigger verification for an Account object by using these tokens for the first_name attribute on the associated Person and setting the relationship.owner attribute on the Person to true.

The verification errors can trigger if multiple owners on the Account object use these magic tokens.

Test company name verification

Trigger company name verification for an Account object by using this token for the company.name attribute.

Test statement descriptor verification

Trigger statement descriptor verification for an Account object by using this token for the settings.payments.statement_descriptor attribute.

Trigger statement descriptor prefix verification for an Account object by using this token for the settings.card_payments.statement_descriptor_prefix attribute.

Test business URL verification

Trigger URL verification for an Account object by using this token for the business_profile.url attribute.

Test capability disabled reasons

Trigger assignment of a specific requirements.disabled_reason to all of an Account object’s inactive Capability objects by using this token for the account’s business_profile.url attribute.

Test Doing Business As (DBA) verification

Trigger DBA verification for an Account object by using this token for the business_profile.name attribute.

Test product description verification

Trigger product description verification for an Account object by using this token for the business_profile.product_description attribute.

Test phone number validation

Clear phone number validation for an Account object by using this token for the following attributes:

• business_profile.support_phone
• company.phone
• individual.phone

Clear phone number validation for a Person object by using this token for the phone attribute.

Trigger or advance verification

Trigger cards

Use these card numbers to trigger various conditions when you’re testing both requirements and tiered verification. For the trigger actions to work, you must use these cards with a Connect charge by setting on_behalf_of or creating a direct charge on the connected account. The connected account must have an eventually_due requirement.

Trigger next requirements

Live mode can require additional verification information when a connected account processes a certain amount of volume. This card sets any additional verification information to be required immediately. If no additional information is required, nothing appears.

Trigger a charge or payout block

If required information isn’t provided by the deadline, Stripe disables the connected account’s charges or payouts. These cards disable the connected account and move any currently due requirements to overdue. These cards have no effect until an account provides the initial information that’s required to enable charges and payouts.

Trigger bank account ownership verification

Connected accounts in the United States and India are subject to Bank account ownership verification. You can complete this verification by uploading supporting documents with the Connect Dashboard or with the API through the documents[bank_account_ownership_verification] hash.

While you’re testing, you can simulate the US bank account ownership verification process. Use the following test bank account numbers to trigger the verification process. One number presumes successful verification and the other prompts you to upload test images or file tokens to complete the verification process. These test accounts are only available for US accounts.

Add funds to Stripe balance

To test adding funds to your Stripe balance from a bank account in the Dashboard, create a sandbox and select the desired test bank account in the dropdown menu within the Add to balance dialog. You can simulate success or failure due to insufficient funds.

To test adding funds in the API, use the following test bank tokens as the source while you’re testing. Each token simulates a specific kind of event.

Payouts

Use the following test bank and debit card numbers to trigger certain events when testing payouts. You can only use these values while testing with test API keys.

Test payouts simulate a live payout but aren’t processed with the bank. Test accounts with Stripe Dashboard access always have payouts enabled, as long as valid external bank information and other relevant conditions are met, and never requires real identity verification.

Bank numbers

Use these test bank account numbers to test payouts. You can only use them with test API keys.

Debit card numbers

Use these test debit card numbers to test payouts to a debit card. You can only use them with test API keys.

Simulate regional businesses

Use predefined sets of fictitious company and individual information to simulate different verification outcomes based on regional requirements. You can:

• Simulate company name, address, and tax ID verification
• Test director and owner verification processes
• Experiment with different ownership structures and relationship types

To use a sample company, provide the corresponding company.tax_id when creating or updating a connected account in a sandbox. Stripe returns the predefined fictitious information associated with that sample for verification processes.

Singapore

Aspen PTE LTD

Use the UEN 180100002M as the company tax ID value to simulate a company from Singapore called Aspen PTE LTD. This sample ID provides the following relationship details for testing: