How to Pass Stripe KYC with a Delaware LLC (2026)
Stripe KYC requirements and Stripe Atlas alternative for a Delaware LLC
By Edmond Hui · Last updated: June 2026
Edmond Hui · Founder, MyStateLLC
Edmond Hui is a software engineer and serial entrepreneur based in New York who has founded multiple online businesses across e-commerce, media, and information publishing. Before transitioning into tech, he spent years as a commercial real estate professional closing deals totaling over 100,000 square feet, giving him firsthand experience with business formation and entity structuring. He built MyStateLLC to provide the free, state-specific LLC guidance he wished existed when forming his own companies.
Stripe must verify your business under KYC/AML rules before it activates payouts. For an LLC, Stripe collects the legal entity name, EIN, business address, the representative's identity, and beneficial-owner details. Forming an LLC and getting an EIN is the standard 'Stripe Atlas alternative' path — you do the same steps Atlas automates, in the state of your choice.
What Stripe requires — and how a Delaware LLC meets each
| Requirement | How your Delaware LLC satisfies it |
|---|---|
| Legal entity name | Use the exact LLC name on your Delaware Certificate of Formation; it must match your bank account holder name. |
| Employer Identification Number | Provide your federal EIN (free from the IRS; non-US founders without an SSN must apply via Form SS-4 by fax or phone rather than the online tool) — independent of Delaware. |
| Business address | Use a US street address registered to the LLC in Delaware (your registered-agent or virtual business address). PO boxes are usually rejected. |
| Representative & owner identity | Provide a government ID for each beneficial owner. Delaware does not list members publicly, so the platform relies on the ID you upload — names must match your operating agreement. |
| Payout bank account | Link a US business bank account opened with your EIN and Certificate of Formation. |
Delaware-specific things to watch
- Delaware keeps LLC members off public filings, but you must still upload beneficial-owner identification directly to Stripe. State-level anonymity does not exempt you from the platform's KYC.
- Delaware issues a Certificate of Formation rather than "Articles of Organization." When Stripe asks for "formation documents," upload your Certificate of Formation.
How to verify your Delaware LLC on Stripe
- Legal entity name. Use the exact LLC name on your Delaware Certificate of Formation; it must match your bank account holder name.
- Employer Identification Number. Provide your federal EIN (free from the IRS; non-US founders without an SSN must apply via Form SS-4 by fax or phone rather than the online tool) — independent of Delaware.
- Business address. Use a US street address registered to the LLC in Delaware (your registered-agent or virtual business address). PO boxes are usually rejected.
- Representative & owner identity. Provide a government ID for each beneficial owner. Delaware does not list members publicly, so the platform relies on the ID you upload — names must match your operating agreement.
- Payout bank account. Link a US business bank account opened with your EIN and Certificate of Formation.
Non-US founders
Non-US founders commonly form a US LLC, obtain an EIN (no SSN required, via Form SS-4), open a US-capable business bank account, and then onboard to Stripe as a US business — the manual equivalent of Stripe Atlas. A US ITIN/SSN is not required to get an EIN. The representative must complete Stripe's identity verification: Stripe will request the last 4 digits of the representative's SSN; if automated verification fails, the full SSN or a government-issued ID scan is required as a fallback. Non-US representatives without an SSN should expect to provide a government ID scan during verification.
Frequently Asked Questions
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