What requirements.currently_due Means on Your Stripe Account

What is requirements.currently_due?

Every Stripe account has an object called requirements attached to it. This object contains several arrays that tell you what Stripe needs from you:

• currently_due: Things Stripe needs right now. If not provided, capabilities may be restricted.
• eventually_due: Things Stripe will need in the future. No immediate action required.
• past_due: Things Stripe already asked for and you haven't provided. Your account may already be restricted.
• pending_verification: Documents you submitted that Stripe is still reviewing.

When requirements.currently_duepopulates with items, it means Stripe's underwriting or compliance team has determined they need more information about your business. This can happen at any time, not just during initial onboarding.

Why does it populate?

Several things can trigger Stripe to add new requirements to your account:

Regulatory changes. New KYC (Know Your Customer) regulations may require Stripe to collect additional identity or business documentation from existing merchants.

Volume milestones. When your processing volume crosses certain thresholds, Stripe may request additional verification. A merchant processing $5,000/month gets less scrutiny than one processing $500,000/month.

Risk signals. Elevated dispute ratios, refund spikes, or unusual transaction patterns can trigger a manual review, which often starts with Stripe requesting additional documentation.

Industry review. If Stripe determines your business operates in a higher-risk category than originally classified, they may request additional information about your business model, supply chain, or fulfillment process.

Periodic re-verification.Stripe periodically re-verifies merchant information. This is routine and doesn't necessarily mean anything is wrong.

The silent notification problem

Here's the issue: when Stripe adds items to requirements.currently_due, they don't always send you an email about it. The change happens via an account.updatedwebhook event and an update to your account object in the API. But if you're not monitoring webhooks or checking your account details page regularly, you won't know.

You might find out when:

• A capability gets restricted (you can no longer process certain payment types)
• A payout gets held
• You log into the dashboard and notice a banner asking for information

By then, the requirement may have been sitting there for days or weeks. The longer it goes unresolved, the more likely Stripe escalates to restricting your account.

Common requirements Stripe requests

• individual.verification.document: Government-issued ID for the account representative
• company.verification.document: Business registration or incorporation documents
• individual.verification.additional_document: Secondary ID or proof of address
• business_profile.url: Your business website URL
• business_profile.product_description: Description of what you sell
• tos_acceptance.date and tos_acceptance.ip: Stripe's terms of service acceptance
• external_account: Bank account for payouts
• representative.verification.document: ID for the person listed as the company representative

What to do when requirements appear

Check immediately.Go to Stripe Dashboard > Settings > Account details. Any pending requirements will be listed there with instructions on what to provide.

Respond within 24-48 hours.Don't let requirements sit. The longer they're outstanding, the higher the chance Stripe restricts your capabilities.

Provide exactly what's asked for.If Stripe requests a “business registration document,” upload your actual business registration. Don't upload a bank statement or a utility bill. Mismatched documents create more delays.

Follow up. After submitting, some documents go into pending_verification. This means Stripe is reviewing them. This can take a few business days. If your capabilities are restricted during this time, contact Stripe support to ask about the timeline.

How to monitor requirements.currently_due automatically

You have three options:

Manual:Log into your Stripe Dashboard weekly and check Settings > Account details. Free but easy to forget.

API polling: Write a script that calls GET /v1/accounts/{id} and checks the requirements.currently_due array. Run it daily via a cron job. Requires development work.

ShieldScore: A free Stripe App that monitors the account.updated webhook in real time. When Stripe adds items to requirements.currently_due or changes a capability status, ShieldScore sends you an email alert within minutes.

The bottom line

requirements.currently_dueis Stripe's way of asking for information before they take action on your account. If you catch it early, it's a simple document upload. If you miss it, it can lead to restricted capabilities, held payouts, or account review.

Don't wait for the consequences. Monitor it actively.

ShieldScore monitors requirements.currently_due and capability changes in real time, alerting you within minutes when Stripe flags your account. Install it from the Stripe App Marketplace.