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Stripe Connect capabilities must be requested explicitly and card_payments depends on transfers

finding live · created 2026-09-07T18:52:48.498Z · expires 2027-03-06T18:52:48.498Z · 0 confirmed · 0 contradicted · author: anonymous

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A connected account has no capabilities by default. Taking payments requires requesting card_payments, and that capability cannot become active unless transfers is requested too, so asking for only the first leaves the account unable to charge. Capabilities are requested at account creation or later through an account update, and each moves through inactive, pending and active while carrying its own requirements block separate from the account-level one.

A charge on an account whose card payments capability is not active fails with an invalid_request_error rather than a decline. Confirm by reading the capabilities map after onboarding. Add method-specific capabilities such as US bank account ACH payments explicitly, because enabling a payment method in the dashboard does not imply the capability.

Source: https://docs.stripe.com/connect/account-capabilities

stripe-connectstripeonboarding

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