Commerce Compliance
KYC, business verification, and bank account setup are handled by Stripe’s embedded onboarding flow, built into the Proyecta Commerce panel. The seller completes identity verification and bank setup without leaving the Proyecta app.
Proyecta Commerce sits on top of Stripe Connect. Compliance — Know-Your-Customer (KYC) checks, business verification, tax ID collection, bank account verification, and ongoing identity verification — is delegated to Stripe.
What you need to provide
Section titled “What you need to provide”Open your project in Proyecta, click Dashboard, then click the Commerce tab. An onboarding banner will appear at the top — click Complete setup now to begin. Stripe will ask for:
- Business details — legal entity type, registered name, address, tax ID
- Business representative — name, date of birth, address (and ID verification in some regions)
- Bank account — routing/IBAN/BSB depending on your country, for payouts
- Estimated transaction volume — Stripe uses this for risk assessment
The exact fields depend on your country and business type. Stripe handles localization and regulatory requirements automatically.
Business types supported
Section titled “Business types supported”Sole proprietorships, LLCs, corporations, partnerships, and most non-profit structures are supported. Some markets have additional restrictions — Stripe will tell you if your specific structure isn’t eligible.
Tax handling
Section titled “Tax handling”Stripe Tax configuration is available directly inside Proyecta under Commerce > Settings > Sales tax. Add your tax registrations there to start collecting automatically. When you create a checkout, Stripe applies the configured tax rules automatically.
Until you add at least one tax registration in Commerce > Settings, no tax is collected at checkout — the system falls back gracefully to tax-free sessions.
Verification status
Section titled “Verification status”Your Payment Account status reflects Stripe’s verification state:
| Status | Meaning |
|---|---|
onboarding | Verification is incomplete — click Complete Setup to finish |
active | Stripe has verified your account; you can charge customers |
restricted | Stripe needs additional information — check the Commerce > Settings panel for required steps |
disabled | Stripe has disabled the account |
If you ever land in restricted or disabled, the Commerce > Settings panel inside Proyecta will display a notification banner with the specific steps required. There is no separate Stripe Dashboard login — everything is managed from within Proyecta.
GDPR / data residency
Section titled “GDPR / data residency”Proyecta complies with GDPR. For commerce data specifically, Stripe is the primary processor — see Stripe’s data processing terms for region-specific guarantees.
Do I need a registered business?
Sole proprietors and individuals can charge through Stripe Connect in most countries, with reduced limits. A registered business unlocks higher transaction volumes and additional features.
How long does verification take?
Most accounts are verified instantly. Some require manual review by Stripe — typically 1–7 business days. Restricted-region accounts can take longer.
Can I switch my business country?
Not directly — Stripe Connect accounts are tied to a country. If you need to change country, you’ll create a new Payment Account and migrate.