CMRA address acceptance database
Does a bank, fintech, payment processor or agency accept a virtual mailbox / CMRA address? Each entry below names the specific address field and quotes the institution's own published policy (or the statute or regulator), with the date we checked.
Verdict key: Rejects CMRA / virtual mailbox the source explicitly names mailbox, virtual-address or CMRA addresses as not accepted for that field. Accepted in some fields only rejected in some fields, allowed in others. Physical address required (CMRA not named) the source requires a physical address but doesn't mention CMRAs. No restriction stated the source sets no restriction for that field.
| Institution | Address field | Verdict | What the source says | Source (checked) |
|---|---|---|---|---|
| Stripe — Issuing, Treasury for platforms, Opal, Corporate Card Payments / fintech | Business address and account representative address | Rejects CMRA / virtual mailbox | Stripe's docs say these products enforce validations that the address is not a PO box, private mailbox, Commercial Mail Receiving Agency (CMRA) or registered agent address. New businesses are blocked from onboarding until they provide a valid physical address; existing accounts get a 30-day grace period before capabilities are disabled.“Stripe can no longer allow addresses for registered agents, mailbox services, or virtual address services.” | Stripe Docs: Address validation (Issuing) October 22, 2026 |
| Stripe — Connect Accounts API (v1/v2) error codes Payments / fintech | Account address | Rejects CMRA / virtual mailbox | A Stripe changelog entry dated 2026-09-30 adds the error code invalid_address_cmra_address, returned when an account's address is identified as a CMRA or virtual mailbox address; the account holder must update the address. A separate code covers registered agent addresses (resolvable with proof of address). The entry does not list which capabilities trigger the check, so treat it as 'may be rejected' for ordinary card payments.“Returned when an account's address is identified as a Commercial Mail Receiving Agency (CMRA) or virtual mailbox address.” | Stripe changelog: address validation errors for CMRAs and registered agents October 22, 2026 |
| Stripe — standard account verification Payments / fintech | Business address (KYC) | Physical address required (CMRA not named) | Stripe's support article says KYC obligations require it to verify that account holders operate from the business address they provide, and it may ask for a lease, utility bill, tax return or formation documents. The article does not name CMRAs explicitly.“KYC obligations require Stripe to verify that account holders are operating from the business addresses they provide” | Stripe Support: Verifying your business address October 22, 2026 |
| Mercury Bank / fintech | Legal address, physical address, owner residential address (mailing address is separate) | Accepted in some fields only | Mercury's company-address article says the physical address cannot be a P.O. box, virtual address, commercial mail receiving agency, mail center or registered agent address. Its legal address article says P.O. boxes and virtual offices/workspaces are not accepted. Beneficial owners' home addresses cannot be mail drops or CMRA/virtual address services. The mailing address (where cards are sent) only needs to be a USPS-deliverable physical address.“We don't accept a P.O. box, virtual address, commercial mail receiving agency, mail center, or registered agent address.” | Mercury Help: Company address requirements Mercury Help: Updating your company's legal address Mercury Help: Eligibility and requirements October 22, 2026 |
| Relay Bank / fintech | Operating address and owner personal address (registered agent address OK as legal address) | Accepted in some fields only | Relay accepts a registered agent address as the business's legal address, but the operating address and each owner's personal address cannot be a registered agent address, PO box, or virtual mailbox / mailbox rental service (it names The UPS Store as an example).“PO Boxes, virtual mailboxes, and mailbox rental services (such as The UPS Store) are not accepted as operating addresses.” | Relay Help: Using a Registered Agent Address and Operating Address October 22, 2026 |
| Bluevine Bank / fintech | Business physical address | Physical address required (CMRA not named) | Bluevine's application checklist asks for the business's physical address (home address accepted) and says P.O. boxes and registered agent addresses are not accepted and will prevent the account from opening. The page we read does not mention CMRAs or virtual mailboxes by name. Ask Bluevine before using one.“P.O. boxes and Registered Agent addresses are not accepted and will prevent you from opening an account.” | Bluevine Help: What documents are required to apply October 22, 2026 |
| Novo Bank / fintech | Applicant U.S. physical address | Physical address required (CMRA not named) | Novo says it needs your U.S. physical address to confirm your identity under the USA PATRIOT Act. The article does not name CMRAs or virtual mailboxes.“We need your US physical address to confirm your identity.” | Novo Help: Why do I need to provide a US physical address October 22, 2026 |
| Federal bank Customer Identification Program rule (31 CFR 1020.220) Regulation | Address banks must collect | Physical address required (CMRA not named) | U.S. banks' CIP must collect, for an individual, a residential or business street address, and for a non-individual (corporation, partnership, trust), a principal place of business, local office or other physical location. This is why bank KYC asks for a physical address in addition to any mailing address.“For a person other than an individual (such as a corporation, partnership, or trust), a principal place of business, local office, or other physical location” | eCFR: 31 CFR 1020.220 October 22, 2026 |
| IRS — Form SS-4 (EIN application) Government agency | Line 4 mailing address / Line 5 street address | No restriction stated | The SS-4 instructions describe line 4 as the mailing address for the entity's correspondence (generally used on all tax returns) with no stated restriction on type. Line 5 is the physical street address, needed only if different from the mailing address, and must not be a P.O. box. The instructions do not mention CMRAs.“Provide the entity's physical address only if different from its mailing address shown on lines 4a–4b. Don't enter a P.O. box number here.” | IRS: Instructions for Form SS-4 October 22, 2026 |
| Delaware — LLC registered agent (6 Del. C. § 18-104) State law | Registered office / registered agent | Rejects CMRA / virtual mailbox | Every Delaware LLC must keep a registered office and agent in Delaware. The agent must keep an office that is generally open (or be generally present) to accept service of process, and may not perform its duties solely through a virtual office or a mail forwarding service. Filed addresses must include street, number, city and postal code.“A registered agent may not perform its duties or functions solely through the use of a virtual office, the retention by the agent of a mail forwarding service, or both.” | Delaware Code Title 6, Chapter 18, Subchapter I (§ 18-104) October 22, 2026 |
| Washington Secretary of State — registered agent State agency | Registered agent address | Rejects CMRA / virtual mailbox | The registered agent must keep a physical address in Washington; PO boxes and PMBs (private mailboxes) are prohibited. A PO box can be added only as a separate mailing address. Without a WA physical address you can hire a Commercial Registered Agent.“The Registered Agent must maintain a physical address in Washington State (PO Boxes or PMBs are prohibited).” | WA Secretary of State: Registered Agents October 22, 2026 |
| Colorado Secretary of State — registered agent State agency | Registered agent street address (separate mailing address allowed) | Accepted in some fields only | The registered agent needs a physical Colorado street address that is customarily open during normal business hours. Commercial or P.O. box addresses cannot be used as that street address, but they can be entered as the agent's mailing address if located in Colorado.“Commercial or P.O. Box addresses cannot be used as a registered agent's physical street address.” | Colorado SOS: Registered agent FAQs October 22, 2026 |