Business Address vs. Mailing Address: What Your Client's Admin (and Their Employees) Should Use

For agents: Address requirements trip up both Admins and employees — and the rules differ by role.

For the Employer Admin (Account Setup / Dwolla)

Business verification needs a physical street address Dwolla can verify:

• A PO Box will not work.
• A virtual office / “registered agent only” mailbox usually will not work.
• If the company has no separate commercial location, using a real home/physical street address is often acceptable — a mailbox service is not.

Separately, the Admin/controller is typically asked for their residential address (personal residence), which is not the same as “mailing address for junk mail.” Mixing a PO Box or virtual mailbox into either of these is a frequent cause of verification delays.

For each Employee

Employee address drives which state’s marketplace / shopping experience they see. Employees should enter where they actually live — not a PO Box and not someone else’s address “just for mail.” Using the wrong state/address can show plans they aren’t eligible for.

If an employee moves, their address in StretchDollar needs to be updated. A state change can change which Shop marketplace path they are routed to (and, with Smart Rates, their allowance). From November 1, employees can update it themselves when they start their renewal: the first step asks them to confirm their information, including their home address. At any other time, the employee or Admin emails support@stretchdollar.com with the new address. Employees should also tell their Admin.

Bottom line

Admin/business address = identity/funding verification (physical street). Employee address = where they live (marketplace eligibility). Mixing those up is the most common address-related onboarding friction.