diff --git a/microservices/authorization/migrations/permissions/list/models/payment-stripe.json b/microservices/authorization/migrations/permissions/list/models/payment-stripe.json
index 527ddf37..e89f41d8 100644
--- a/microservices/authorization/migrations/permissions/list/models/payment-stripe.json
+++ b/microservices/authorization/migrations/permissions/list/models/payment-stripe.json
@@ -1185,6 +1185,22 @@
         "out": {
           "admin": "allow"
         }
+      },
+      "country": {
+        "in": {
+          "admin": "allow"
+        },
+        "out": {
+          "admin": "allow"
+        }
+      },
+      "serviceAgreement": {
+        "in": {
+          "admin": "allow"
+        },
+        "out": {
+          "admin": "allow"
+        }
       }
     },
     "createdAt": "2023-05-26T13:01:39.186Z"
diff --git a/microservices/payment-stripe/src/constants/agreement-type.ts b/microservices/payment-stripe/src/constants/agreement-type.ts
new file mode 100644
index 00000000..1eb818f8
--- /dev/null
+++ b/microservices/payment-stripe/src/constants/agreement-type.ts
@@ -0,0 +1,9 @@
+/**
+ * Agreement type
+ */
+enum AgreementType {
+  FULL = 'full',
+  RECIPIENT = 'recipient',
+}
+
+export default AgreementType;
diff --git a/microservices/payment-stripe/src/methods/stripe/connect-account.ts b/microservices/payment-stripe/src/methods/stripe/connect-account.ts
index a1ff4a47..e63cc2d1 100644
--- a/microservices/payment-stripe/src/methods/stripe/connect-account.ts
+++ b/microservices/payment-stripe/src/methods/stripe/connect-account.ts
@@ -1,5 +1,6 @@
 import { Endpoint, IsUndefinable } from '@lomray/microservice-helpers';
 import { IsEnum, IsString, Length } from 'class-validator';
+import AgreementType from '@constants/agreement-type';
 import BusinessType from '@constants/business-type';
 import StripeAccountTypes from '@constants/stripe-account-types';
 import Stripe from '@services/payment-gateway/stripe';
@@ -24,6 +25,14 @@ class ConnectAccountInput {
   @IsEnum(BusinessType)
   @IsUndefinable()
   businessType?: BusinessType;
+
+  @IsString()
+  @IsUndefinable()
+  country?: string;
+
+  @IsEnum(AgreementType)
+  @IsUndefinable()
+  serviceAgreement?: AgreementType;
 }
 
 class ConnectAccountOutput {
@@ -40,7 +49,16 @@ const connectAccount = Endpoint.custom(
     output: ConnectAccountOutput,
     description: 'Create new connected account with link',
   }),
-  async ({ userId, email, accountType, refreshUrl, returnUrl, businessType }) => {
+  async ({
+    userId,
+    email,
+    accountType,
+    refreshUrl,
+    returnUrl,
+    businessType,
+    country,
+    serviceAgreement,
+  }) => {
     const service = await Stripe.init();
 
     return {
@@ -51,6 +69,8 @@ const connectAccount = Endpoint.custom(
         refreshUrl,
         returnUrl,
         businessType,
+        country,
+        serviceAgreement,
       ),
     };
   },
diff --git a/microservices/payment-stripe/src/services/payment-gateway/stripe.ts b/microservices/payment-stripe/src/services/payment-gateway/stripe.ts
index 330f5154..c8d54ff2 100644
--- a/microservices/payment-stripe/src/services/payment-gateway/stripe.ts
+++ b/microservices/payment-stripe/src/services/payment-gateway/stripe.ts
@@ -7,6 +7,7 @@ import { validate } from 'class-validator';
 import StripeSdk from 'stripe';
 import { EntityManager, getManager } from 'typeorm';
 import remoteConfig from '@config/remote';
+import AgreementType from '@constants/agreement-type';
 import BalanceType from '@constants/balance-type';
 import BusinessType from '@constants/business-type';
 import CouponDuration from '@constants/coupon-duration';
@@ -536,20 +537,37 @@ class Stripe extends Abstract {
     refreshUrl: string,
     returnUrl: string,
     businessType?: BusinessType,
+    country?: string,
+    serviceAgreement?: string,
   ): Promise<string> {
     const customer = await super.getCustomer(userId);
+    const isRecipient = serviceAgreement === AgreementType.RECIPIENT;
 
     if (!customer.params.accountId) {
+      const accountCapabilities = isRecipient
+        ? {
+            capabilities: {
+              transfers: {
+                requested: true,
+              },
+            },
+          }
+        : {};
+
       const stripeConnectAccount: StripeSdk.Account = await this.sdk.accounts.create({
         type: accountType,
-        country: 'US',
+        country,
+        ...accountCapabilities,
+        // eslint-disable-next-line camelcase
+        ...(serviceAgreement ? { tos_acceptance: { service_agreement: serviceAgreement } } : {}),
         email,
         // eslint-disable-next-line camelcase
         ...(businessType ? { business_type: businessType } : {}),
         settings: {
           payouts: {
+            // Recipient accounts cannot have debit_negative_balances = true
             // eslint-disable-next-line camelcase
-            debit_negative_balances: true,
+            debit_negative_balances: !isRecipient,
             // eslint-disable-next-line camelcase
             schedule: { interval: 'manual' },
           },