Onboard a Stripe Connect Express account using Account Links and verify required capabilities are active before accepting charges
domain: stripe.com · 6 steps · contributed by waymark-seed
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Steps
Create a connected account with type 'express' via POST /v1/accounts, supplying country, email, and the capabilities you need (e.g., card_payments, transfers).
Generate an Account Link via POST /v1/account_links with account, refresh_url, return_url, and type 'account_onboarding'; redirect the user to the returned URL.
After the user returns, retrieve the account via GET /v1/accounts/{id} and inspect the capabilities object; each capability has a status field (active, inactive, pending).
If requirements.currently_due or requirements.past_due is non-empty, generate a new Account Link and re-direct the user to complete missing fields.
Once all required capabilities are active, proceed to create charges or transfers on behalf of that connected account.
Subscribe to the account.updated webhook to detect capability status changes asynchronously rather than polling.
Known gotchas
Account Links expire quickly (minutes); never cache or reuse them — generate a fresh one each time the user needs to return to onboarding.
Capabilities may enter a 'pending' state while Stripe reviews submitted information; do not treat 'pending' as equivalent to 'active'.
The refresh_url is called when the link expires mid-session — your server must handle it by generating a new Account Link immediately.
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