Which two factors determine the account structure for a Stripe user?

The account structure for a Stripe user is primarily influenced by the countries where the user has established legal business entities and the specific Stripe API usage plans available to them. This is crucial because Stripe operates in numerous jurisdictions, and the regulations and compliance requirements can vary significantly between countries. Therefore, having a legal business entity in those specific countries is essential for processing payments in compliance with local laws.

Additionally, the Stripe API usage plans dictate how a business can interact with Stripe's services, including transaction processing, available features, and level of support. For example, different plans might offer various API capabilities or limits based on the needs of the business, which further shapes the overall account structure within Stripe.

Understanding these two aspects ensures that the business can effectively set up its Stripe account to align with legal requirements and technical capabilities, facilitating smoother operations and compliance in the chosen markets.