Account states

Your Stripe Connect account has two key flags: charges_enabled (can receive donations) and payouts_enabled (can send money to the bank). These flags can be independently on or off at any moment.

The four combinations

`charges_enabled`	`payouts_enabled`	Meaning	What you can do
❌	❌	New account, missing info	Complete onboarding
✅	❌	Can charge but not withdraw	Charge; money stays in wallet
❌	✅	Charges blocked (rare)	Only receive payouts of existing balance
✅	✅	Normal operation	Charge and receive payouts

Where the state shows

Donations → Settings → Stripe state:


La Roca Church — Stripe Account ID: acct_1Abc...
  ✅ charges_enabled
  ✅ payouts_enabled
  Next payout: Friday April 26, $4,287.50

How Ministrium responds to each state

`charges_enabled = false`

The “Receive donation” button is disabled.
Existing recurring donations are paused automatically.
A persistent banner: “Stripe needs more info to enable charges”.
Action: click the banner → complete what Stripe asks (typically upload a document).

`payouts_enabled = false`

Donations continue normally.
Money accumulates in Stripe’s wallet.
A banner: “Payouts are paused”.
Action: check the reason (typically: bank account change pending verification, or hold due to unusual amount).

Both `false`

Account frozen. Most common cause: legal representative info changed and Stripe is re-verifying. Resolve with Stripe directly from your dashboard.

Pending requirements (`requirements`)

Stripe sometimes asks for more info even after the account is approved. That’s part of their continuous compliance process.

When there are pending requirements:


{
  "requirements": {
    "currently_due": ["legal_entity.verification.document"],
    "eventually_due": ["external_account"]
  }
}

currently_due: must be completed NOW or the account pauses.
eventually_due: complete before the indicated date.

Ministrium shows each requirement as a pending task in Donations → Stripe pending with a direct button to resolve it.

Stripe deadlines

If Stripe gives you 7 days to complete a requirement and you don’t, the account enters restricted status automatically. React to email notifications fast. Configure Stripe notifications to reach an email the finance team monitors.

Quick diagnosis

If a donation fails, first check:

charges_enabled = true? If not, see above.
Was the donor’s card declined? The Stripe error appears in standard errors.
Does the account have a single-amount limit being exceeded? Configurable in your Stripe dashboard.

When to escalate

If after following these steps the account stays blocked >3 days, escalate to:

Ministrium support.
If the problem is on Stripe’s side, Stripe support (support@stripe.com).