# How to resolve account under review in Stripe

- Tool: Stripe
- Difficulty: Beginner
- Time required: 15 minutes (plus review wait time)
- Compatibility: All Stripe accounts
- Last updated: March 2026

## TL;DR

When Stripe places your account under review, respond promptly to any information requests in the Dashboard. Go to Settings → Account details to see what Stripe needs — typically business documentation, identity verification, or clarification about your business model. Most reviews resolve within 2-5 business days when you provide complete information.

## Resolving a Stripe Account Under Review

Stripe periodically reviews accounts to comply with financial regulations and prevent fraud. An account under review may have restricted charges, payouts, or both while Stripe verifies your business. This is normal — it does not mean you did anything wrong. This guide explains why reviews happen, how to respond, and how to get your account back to normal as quickly as possible.

## Before you start

- Access to the Stripe Dashboard with Administrator role
- Business documentation (registration, financial statements, product descriptions)
- Identity documents if requested

## Step-by-step guide

### 1. Identify the review in the Dashboard

Log in to the Stripe Dashboard. If your account is under review, you will see a banner at the top indicating the review status. Go to Settings → Account details to see specific requests from Stripe.

**Expected result:** You see a clear indication that your account is under review and what information Stripe is requesting.

### 2. Read the review request carefully

Stripe will specify exactly what they need. Common requests include: a description of your business model, proof of product or service delivery, financial documents, identity re-verification, or processing history from a previous payment processor.

**Expected result:** You understand exactly what Stripe is asking for.

### 3. Prepare your documents

Gather the requested documents. Common documents include: business registration or articles of incorporation, recent bank statements, product descriptions or website screenshots, terms of service and refund policy, and any previous processing statements.

**Expected result:** All requested documents are ready for upload.

### 4. Submit the requested information

Upload documents and provide information through the Dashboard form shown in Settings → Account details. Write clear descriptions if Stripe asks about your business model. Be specific about what you sell, how you deliver it, and your customer base.

**Expected result:** All requested information is submitted. Your requirements status changes to 'pending_verification'.

### 5. Monitor the review status

After submission, Stripe reviews the information. Check the Dashboard daily for updates. Stripe may come back with follow-up questions. You can also monitor via the API.

```
const Stripe = require('stripe');
const stripe = Stripe(process.env.STRIPE_SECRET_KEY);

async function checkReviewStatus() {
  const account = await stripe.accounts.retrieve();
  const reason = account.requirements.disabled_reason;

  if (reason === 'under_review') {
    console.log('Status: Still under review');
  } else if (reason === 'requirements.pending_verification') {
    console.log('Status: Stripe is reviewing your submission');
  } else if (!reason) {
    console.log('Status: Review complete! Account is active.');
  } else {
    console.log('Status:', reason);
  }

  console.log('Charges enabled:', account.charges_enabled);
  console.log('Payouts enabled:', account.payouts_enabled);
}

checkReviewStatus();
```

**Expected result:** You see the current status of the review. Once it says 'Review complete', your account is fully active.

## Complete code example

File: `monitor-review.js`

```javascript
// monitor-review.js
// Monitor Stripe account review status

const Stripe = require('stripe');
const stripe = Stripe(process.env.STRIPE_SECRET_KEY);

async function monitorReview() {
  try {
    const account = await stripe.accounts.retrieve();

    console.log('=== Account Review Status ===');
    console.log('');
    console.log('Account ID:', account.id);
    console.log('Charges enabled:', account.charges_enabled ? 'Yes' : 'NO');
    console.log('Payouts enabled:', account.payouts_enabled ? 'Yes' : 'NO');
    console.log('');

    const reqs = account.requirements;

    if (reqs.disabled_reason) {
      console.log('Current status:', reqs.disabled_reason);

      if (reqs.disabled_reason === 'under_review') {
        console.log('Action: Stripe is reviewing your account. Check for information requests.');
      } else if (reqs.disabled_reason === 'requirements.pending_verification') {
        console.log('Action: Your documents are being reviewed. No action needed.');
      } else if (reqs.disabled_reason.startsWith('requirements.')) {
        console.log('Action: Submit the required information in the Dashboard.');
      }
    } else {
      console.log('No restrictions. Account is fully active.');
    }

    if (reqs.currently_due.length > 0) {
      console.log('');
      console.log('Information requested:');
      reqs.currently_due.forEach(r => console.log('  -', r));
    }

    if (reqs.pending_verification.length > 0) {
      console.log('');
      console.log('Under review (submitted):');
      reqs.pending_verification.forEach(r => console.log('  -', r));
    }

    // Check balance status during review
    const balance = await stripe.balance.retrieve();
    const totalAvailable = balance.available.reduce((sum, b) => sum + b.amount, 0);
    const totalPending = balance.pending.reduce((sum, b) => sum + b.amount, 0);
    console.log('');
    console.log(`Balance: $${(totalAvailable / 100).toFixed(2)} available, $${(totalPending / 100).toFixed(2)} pending`);

    return account;
  } catch (err) {
    console.error('Error:', err.message);
  }
}

monitorReview();
```

## Common mistakes

- **Panicking and creating a new Stripe account** — undefined Fix: Account reviews are routine. Do not create a new account — this violates Stripe's Terms of Service and will make things worse.
- **Submitting incomplete or vague information** — undefined Fix: Be thorough and specific. If Stripe asks about your business model, describe exactly what you sell, your pricing, delivery method, and refund policy.
- **Not responding to follow-up questions promptly** — undefined Fix: Check the Dashboard daily during a review. Delayed responses extend the review timeline.
- **Uploading blurry or illegible documents** — undefined Fix: Ensure all uploaded documents are clearly readable. Use high-resolution scans or photos.

## Best practices

- Respond to review requests within 24 hours to minimize the review duration
- Provide more information than asked — include your website URL, product screenshots, and customer testimonials
- Keep your website terms of service, privacy policy, and refund policy up to date and accessible
- Set up the account.updated webhook to receive notifications when the review status changes
- During a review, communicate with your customers about any potential payment delays
- For complex review situations involving high-risk industries or large volumes, RapidDev can help prepare documentation and navigate the process

## Frequently asked questions

### Why was my account placed under review?

Stripe reviews accounts for various reasons: reaching a processing volume milestone, a sudden change in transaction patterns, receiving chargebacks, or as part of routine compliance checks. It does not necessarily mean you did something wrong.

### Can I still accept payments during a review?

It depends on the restriction level. Some reviews allow charges but hold payouts. Others may temporarily disable charges. Check charges_enabled and payouts_enabled in the Dashboard.

### How long does a Stripe account review take?

Most reviews complete within 2-5 business days after you submit all requested information. Complex cases may take longer. Respond quickly to minimize the duration.

### What happens to my money during the review?

Funds already in your account remain safe. If payouts are paused, your balance accumulates and is released once the review is resolved. Stripe does not confiscate funds for routine reviews.

### Can I contact Stripe support to speed up the review?

You can contact support for status updates, but the review team operates on its own timeline. The best way to speed up the process is to provide complete and accurate information upfront.

---

Source: https://www.rapidevelopers.com/stripe-guide/how-to-resolve-account-under-review-in-stripe
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