Stripe Connect (KYC) Verification for Helpers

KYC verification is the most important step to become a ReciGo helper. Without completing it, you won't be able to receive payments. This guide explains everything you need to know about the verification process.

What Is KYC and Why Is It Required?

KYC Definition

KYC stands for "Know Your Customer". It's a legally required identity verification process for all payment platforms in Europe.

Why Does ReciGo Require It?

• 🔒 Fraud prevention - Protects customers and helpers
• ⚖️ Legal compliance - Required by European anti-money laundering regulation
• 💳 Payment processing - Stripe needs to verify identity before transferring money
• 📋 Tax reporting - Allows compliance with DAC7 and other obligations

Step-by-Step Verification Process

Step 1: Start the Process

1. Open ReciGo app
2. Go to Account → Helper Settings
3. Tap button "Complete Stripe Verification"
4. You'll be redirected to Stripe Connect secure form

Step 2: Personal Information

Required data:

• Full name (as it appears on your ID)
• Date of birth (must be 18 years or older)
• Complete address:
  • Street and number
  • Postal code
  • City
  • State/Province
• Phone number
• Email (same as your ReciGo account)

Step 3: Identity Document

Accepted documents:

• 🟢 Government-issued ID (both sides)
• 🟢 Passport
• 🟢 Driver's license (varies by country)

Photo requirements:

✅ Do this:

• Clear, well-lit photo
• Complete document visible (all edges)
• Legible text without reflections
• Contrasting background (dark on light or vice versa)
• Photo of BOTH sides of document (if applicable)

❌ Avoid this:

• Blurry or pixelated photos
• Cut or cropped documents
• Light reflections covering text
• Photos with strong shadows
• Expired documents
• Screenshots

Pro tip: Place your ID on a dark surface (table, black book) and take photo with natural daylight. Make sure camera is parallel to document.

Step 4: Bank Account

Required bank information:

• Full account number/IBAN
• Routing number (if applicable)
• Account holder name (must match your verified name)

Verify your account details:

1. Open your banking app
2. Go to your checking account
3. Copy full account number
4. Paste in Stripe form

Step 5: Declarations and Consents

You'll need to accept:

• ✅ Stripe Connect Terms of Service
• ✅ Privacy Policy
• ✅ Declaration of data accuracy
• ✅ Consent for background checks

Read carefully before accepting. You're declaring that:

• You are 18 years or older
• Information provided is true
• You authorize Stripe to verify your identity
• You understand your tax obligations

Step 6: Submit and Wait

1. Review all information
2. Tap "Submit Verification"
3. You'll receive email confirmation
4. Wait for Stripe review (1-3 business days)

Verification States

🟡 Pending Review

Meaning: Stripe is reviewing your documentation.

What to do:

• Wait patiently (1-3 business days)
• Check your email (including spam)
• Don't send duplicates (slows process)

Typical timing:

• 70% approved within 24 hours
• 25% approved in 48-72 hours
• 5% require additional information

🟢 Verified and Approved

Meaning: Congratulations! You can now receive payments.

What to do:

1. Go to Helper Settings
2. Enable "Available for jobs"
3. Configure your search radius
4. ✅ Start accepting jobs

Unlocked capabilities:

• Accept jobs
• Receive bank transfers
• View payment history
• Access Stripe Dashboard

🔴 Rejected or Additional Information Required

Meaning: There's an issue with your documentation.

What to do:

1. Check Stripe email (specific reason)
2. Correct the issue
3. Resubmit documentation

Common Rejection Reasons

Unreadable Identity Document

Problem: Blurry photo, reflections, cut text.

Solution:

• Take new photo in good lighting
• Ensure all text is legible
• Use dark background to highlight document
• Don't use flash (causes reflections)

Data Mismatch

Problem: Name in app ≠ name on ID.

Solution:

1. Go to Edit Profile
2. Correct your name EXACTLY as it appears on document
3. Include accents and spaces correctly
4. Restart verification

Example:

• ❌ John Smith → ✅ John Michael Smith Jr.

Expired Document

Problem: Your ID has expired.

Solution:

• Renew your document at appropriate government office
• Wait to receive new document
• Start verification with valid document

Bank Account Holder Doesn't Match

Problem: Account belongs to another person.

Solution:

• Use a bank account in your name
• If you don't have one, open one (online in 10 minutes with digital banks)
• You cannot use family or friends' accounts

Under 18 Years Old

Problem: Your birth date indicates you're a minor.

Solution:

• Must be 18 years or older to be a helper
• No exceptions due to legal regulation
• Wait until you turn 18

Unverifiable Address

Problem: Address provided doesn't exist or doesn't match.

Solution:

• Provide complete and correct address
• Match with your official records if possible
• Include correct postal code
• Verify on Google Maps that address exists

Inconsistent Information

Problem: Contradictory data between document, app, and bank account.

Solution:

• Check that EVERYTHING matches:
  • Name in app = name on ID = bank account holder
  • Birth date matches ID
  • Address is same everywhere

Typical Approval Time

Normal Timelines

When to Worry?

• 🟢 Less than 3 days: Normal, keep waiting
• 🟡 3-5 days: Check email, may be request for additional info
• 🔴 More than 7 days: Contact support → helpers@recigo.es

Problems and Solutions

"I Can't Upload ID Photos"

Possible causes:

• File too large (>10MB)
• Unsupported format
• Unstable internet connection

Solutions:

1. Compress photo (use gallery app)
2. Use JPG or PNG format
3. Connect to stable WiFi
4. Try from web browser (instead of app)

"Says My ID Is Expired But It's Not"

Verify:

• Expiration date on ID (front, lower right corner usually)
• Compare with current date

If it's really valid:

• Upload clearer photo where date is visible
• Contact support with photo of document (cover sensitive numbers)

"I Was Rejected But Don't Know Why"

Steps:

1. Check Stripe email (sender: no-reply@stripe.com)
2. Search in spam folder
3. Log into Stripe form to see status
4. Contact ReciGo support with your user ID

"I Changed Address, Do I Need to Update?"

Yes, you should update if:

• You moved after verifying
• Your ID has old address

How to update:

1. Go to Stripe Dashboard (link in helper settings)
2. Update your address
3. If Stripe requests proof, provide utility bill or official document

Security and Privacy

Who Sees My Documents?

• ✅ Stripe: Processes and stores your documents (encrypted)
• ✅ ReciGo: Only sees verification status (Approved/Rejected)
• ❌ Customers: Do NOT see your documents
• ❌ Other helpers: Do NOT see your documents

How Long Are They Kept?

• Documents: Stripe keeps them encrypted while you're an active helper
• Personal data: According to GDPR, until you request deletion
• After account closure: 90 days for dispute cases, then deleted

Can I Request Deletion?

Yes, under GDPR you have the right to:

• Access your data
• Rectify errors
• Request deletion (after closing account)
• Download your data

How to exercise your rights:

1. Email: privacy@recigo.es
2. Request access/rectification/deletion
3. Response within 30 days (required by law)

Frequently Asked Questions

Related Articles

• Getting Started as Helper
• How and When to Get Paid
• DAC7 and Tax Obligations
• Helper Commissions Explained

Last updated: January 31, 2026

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