diff --git a/apps/payment/backend/business/stripe_manager.py b/apps/payment/backend/business/stripe_manager.py
index 5a1d4d2..44f4beb 100644
--- a/apps/payment/backend/business/stripe_manager.py
+++ b/apps/payment/backend/business/stripe_manager.py
@@ -228,6 +228,18 @@ class StripeManager:
                         transaction.stripe_checkout_session_url,
                     )
 
+            # Check connected account capabilities
+            connected_account = stripe.Account.retrieve(
+                transaction.to_stripe_account_id
+            )
+            if (
+                connected_account.capabilities.get("card_payments") != "active"
+                or connected_account.capabilities.get("transfers") != "active"
+            ):
+                raise Exception(
+                    f"Connected account {transaction.to_stripe_account_id} lacks required capabilities."
+                )
+
             if not transaction.stripe_product_id:
                 product = stripe.Product.create(
                     name="{}-{}".format(
@@ -261,7 +273,6 @@ class StripeManager:
                         "destination": transaction.to_stripe_account_id,
                     },
                 },
-                on_behalf_of=transaction.to_stripe_account_id,
                 mode="payment",
                 success_url="{}/work-space".format(
                     self.site_url_root