How to check if your Stripe account is restricted

1// check-restrictions.js
2// Comprehensive Stripe account restriction check
3
4const Stripe = require('stripe');
5const stripe = Stripe(process.env.STRIPE_SECRET_KEY);
6
7async function checkRestrictions() {
8  try {
9    const account = await stripe.accounts.retrieve();
10
11    console.log('=== Account Restriction Check ===');
12    console.log('');
13    console.log('Account ID:', account.id);
14    console.log('Charges enabled:', account.charges_enabled ? 'Yes' : 'NO');
15    console.log('Payouts enabled:', account.payouts_enabled ? 'Yes' : 'NO');
16    console.log('');
17
18    const reqs = account.requirements;
19
20    if (reqs.disabled_reason) {
21      console.log('RESTRICTION ACTIVE');
22      console.log('Reason:', reqs.disabled_reason);
23      console.log('');
24
25      // Explain the reason
26      const explanations = {
27        'requirements.past_due': 'Verification requirements are overdue. Submit the missing information in the Dashboard.',
28        'requirements.pending_verification': 'Stripe is reviewing your submitted documents. No action needed — wait for review.',
29        'listed': 'Your account matches an entry on a prohibited list. Contact Stripe support.',
30        'rejected.fraud': 'Account was rejected due to suspected fraud. Contact Stripe support to appeal.',
31        'rejected.terms_of_service': 'Account was rejected for a Terms of Service violation. Contact Stripe support.',
32        'rejected.listed': 'Account was rejected because it is on a prohibited list. Contact Stripe support.',
33        'rejected.other': 'Account was rejected for another reason. Contact Stripe support for details.',
34        'under_review': 'Stripe is reviewing your account. Respond to any information requests promptly.'
35      };
36
37      const explanation = explanations[reqs.disabled_reason] || 'Contact Stripe support for details.';
38      console.log('What to do:', explanation);
39    } else {
40      console.log('No restrictions. Account is fully active.');
41    }
42
43    if (reqs.past_due.length > 0) {
44      console.log('');
45      console.log('Past due items:');
46      reqs.past_due.forEach(r => console.log('  -', r));
47    }
48
49    if (reqs.currently_due.length > 0) {
50      console.log('');
51      console.log('Currently due items:');
52      reqs.currently_due.forEach(r => console.log('  -', r));
53      if (reqs.current_deadline) {
54        const deadline = new Date(reqs.current_deadline * 1000);
55        console.log('  Deadline:', deadline.toLocaleDateString());
56      }
57    }
58
59    if (reqs.errors && reqs.errors.length > 0) {
60      console.log('');
61      console.log('Errors:');
62      reqs.errors.forEach(e => console.log(`  - ${e.requirement}: ${e.reason}`));
63    }
64
65    return account;
66  } catch (err) {
67    console.error('Error:', err.message);
68  }
69}
70
71checkRestrictions();