Stripe KYC refresh calendar for 2026
Never miss a payout again: map every owner, ID, and banking check Toolfy Payments needs as Stripe tightens compliance in 2026.
Not financial advice
Pricing guidance here is educational. Model rate changes against your own books, suppliers, and market before implementing them.
Stripe KYC refresh calendar for 2026
Stripe is running rolling KYC refreshes on all UK platforms ahead of PSD3. Toolfy already surfaces alerts inside Settings → Payments, but you’ll avoid payout pauses by tracking requirements yourself.
1. Build the owner registry
- Export your Toolfy team list with roles and ownership stakes.
- Store copies of passports, proof of address, and director appointments in Documents
/Compliance/KYCwith restricted access. - Tag each director with
Last KYC checkandNext reviewmetadata so you can see who’s due.
2. Calendar the refreshes
| When | What Stripe asks for | Toolfy prep | | --- | --- | --- | | January 2026 | Proof of address < 3 months old | Upload fresh utility bills, link them to each owner record. | | April 2026 | Beneficial ownership confirmation | Update your cap table doc, store it in Documents, link in Settings. | | August 2026 | Bank account re-verification | Collect a new bank letter, ensure the account name matches your Toolfy org. |
Set recurring Toolfy tasks for each quarter; assign them to finance so nothing slips.
3. Respond to Stripe emails fast
- Stripe emails the account owner and posts an alert inside Toolfy. Move quickly; you usually get 7 days before payouts pause.
- Use the Toolfy alert to log when you submitted docs so support can escalate if Stripe is slow.
4. Multi-org handling
- If you run multiple Toolfy orgs, create a simple Notion or Sheet matrix listing
Org,Bank,Directors,Last refreshed. - Store it next to your PAT tokens so anyone covering finance can step in.
5. Training + access
- Restrict who can download KYC docs by using Toolfy’s document permissions.
- Train owners on how to upload documents securely (no emailing passports). Provide a direct Toolfy upload link instead.
Need the calendar template? Ping support@toolfy.io and we’ll share the exact tracker our success team uses for multi-owner orgs.
⚠️ Important Disclaimer
This guide is for general informational and educational purposes only. It does not constitute professional advice of any kind (legal, financial, tax, insurance, or otherwise).
Before making business decisions: Consult with qualified professionals (solicitors, accountants, insurance brokers, etc.) who can assess your specific circumstances. Laws, regulations, and industry standards change frequently and vary by location and situation.
Toolfy and the article authors accept no liability for decisions made or actions taken based on information provided in this guide. You are solely responsible for ensuring compliance with all applicable laws and regulations.
Frequently Asked Questions
What KYC checks does Stripe require throughout 2026?
How do I build an owner registry for Stripe KYC?
What happens if I don't respond to Stripe KYC requests quickly?
Need this workflow in Toolfy?
Spin up the exact checklist, scripts, and automations from this article inside your workspace.
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