Stripe Physical Presence Requirement: What Changed in 2025
Since July 2025, Stripe requires physical addresses for international accounts. Here is what you need to comply.
Effective July 1, 2025, Stripe implemented a physical presence requirement for all international account holders using Stripe Issuing, Treasury, and Corporate Card products. This change affects thousands of businesses worldwide.
The requirement is straightforward: provide a real, operational business location — not a PO Box, not a virtual mailbox, not a CMRA address, and not a registered agent address. Stripe specifically lists each of these as unacceptable.
To comply, you need two documents: a current lease agreement and a utility bill, both showing the same physical address and dated within the last 6 months. The documents must be in your business name in clear PDF format.
A commercial sublease satisfies this requirement. When you hold a genuine sublease at a physical office address, you have exactly what Stripe asks for — proof that your business occupies a real location. The sublease serves as your lease agreement, and the utility confirmation letter from your landlord serves as your utility proof.
If you are currently using a virtual address for Stripe and have not updated, your account capabilities may be restricted. Stripe provides a 30-day grace period for existing accounts to update their address information.