Getting "You cannot request any capability other than `transfers`" when only requesting transfers.

[Dashiell Bark-Huss]

1. I create the express account:

Request: POST 'https://api.stripe.com/v1/accounts'

x-www-form-urlencoded body:
tos_acceptance[service_agreement]: recipient

capabilities[transfers][requested]: true

country: AT

type: express

Response: 

{ "id": "acct_1IEIRbQ0W1NHwt27", "object": "account", "business_profile": { "mcc": null, "name": null, "product_description": null, "support_address": null, "support_email": null, "support_phone": null, "support_url": null,

... etc

}

2. I get the account onboarding link:

Request: POST 'https://api.stripe.com/v1/account_links'

x-www-form-urlencoded body:

account: acct_1IEIRbQ0W1NHwt27

refresh_url: https://example.com/reauth

return_url: https://example.com/return

type: account_onboarding

Response: 

{

    "object": "account_link",

    "created": 1611770992,

    "expires_at": 1611771292,

    "url": "https://connect.stripe.com/express/onboarding/<some string>"

}

3. I go to the onboarding link: When I get to the "Tell us about your business" section and press Next section I get this error:

You cannot request any capability other than `transfers` for accounts that are under the `recipient` service agreement. For more information on recipient service agreements, see https://stripe.com/docs/connect/service-agreement-types#recipient.

However, in step 1 I only requested the transfers capability. So why am I getting this error? 

[Remi J.]

Hello,

The error is a bit cryptic but it is likely due to the way you configured Connect Onboarding in your settings in the Dashboard. This error happens because we try to request the `card_payments` capability for this account but it's not supported because you use the recipient agreement type. The reason we ask for that capability comes from the fact that you configured Connect to require that capability for European accounts. You can change this default behaviour in your dashboard settings in Test mode here: https://dashboard.stripe.com/test/settings/applications/express (and you would do the same for Live mode). With your flow you want only Transfers as a capability.

We don't yet support the ability to default to card_payments unless you have the service_agreement set to recipient. It's definitely something we want to offer in the future though!

I hope this unblocks you!

Best,

Remi

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[Dashiell Bark-Huss]

Yes that fixed the problem, thanks. It's strange because I used to be able to create accounts from these requests. So the settings must have changed at some point. But to my knowledge I never went and changed them.

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[Remi J.]

I'm glad that unblocked you! As for the settings changing this is surprising. But the `service_agreement` feature is quite new and only shipped a few weeks ago publicly so it's possible you started using that specific feature recently which changes the behaviour on Connect Onboarding.

Best,

Remi

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[Dashiell Bark-Huss]

Hmm strange. I wrote some `node.js` code `tos_acceptance: { service_agreement: 'recipient',}` created in late October. I remember it working, and I can see the first connect account with "Agreement type: Recipient" in my test data was created on Oct 21, 2020 which I think was created with that code. So it the `service_agreement` feature was working at one point, don't know what happened.

. wrote:

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