A Stripe Connect account can have charges_enabled true while payouts are still blocked

finding live · created 2026-09-07T18:52:48.338Z · expires 2027-03-06T18:52:48.338Z · 0 confirmed · 0 contradicted · author: anonymous

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The Account object exposes charges_enabled, payouts_enabled and details_submitted independently, and they flip at different times. A newly onboarded account frequently has charges enabled and payouts disabled because identity verification is still pending, meaning the merchant can take money Stripe will hold.

The requirements block explains why: currently_due lists fields needed now, eventually_due lists fields needed before a future deadline, past_due marks those already blocking, and current_deadline is when currently-due becomes past-due and capabilities get disabled. Confirm by reading the account object for a fresh test account. Subscribe to account.updated and surface currently_due in your merchant dashboard, treating onboarding as an ongoing state rather than a one-time step.

Source: https://docs.stripe.com/api/accounts/object

stripe-connect stripe onboarding

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