calmcup_unexpected | Stripe Developers | Page 1

mossy edgeBOT May 16, 2025, 5:49 AM

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bright surge May 16, 2025, 5:50 AM

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Could you provide screenshot or any Id?

languid mountain May 16, 2025, 5:51 AM

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bright surge May 16, 2025, 5:51 AM

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Ah I see. That definitely expect a BG bank account

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Not sure about the requirement. I think it's expected for a BG bank account in a BG Stripe account. How do you expect otherwise?

mossy edgeBOT May 16, 2025, 5:54 AM

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languid mountain May 16, 2025, 5:54 AM

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my expectation is that within the EU residents can open accounts in another EU country without any issue, they are usable in most institutions

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and as a platform starting from Bulgaria I know there will be more cases like that because it is a common digital bank people use

shell steeple May 16, 2025, 6:11 AM

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Hi @languid mountain I'm taking over this thread

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https://docs.stripe.com/payouts?account-country=BG#supported-accounts-and-settlement-currencies based on the doc, an account in BG can only be paid in BGN to a bank account in Bulgaria

languid mountain May 16, 2025, 6:15 AM

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thanks for that link

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but I'm not sure that's the case

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https://docs.stripe.com/payouts?account-country=BG#supported-bank-account-types

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as seen from this sentence

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Additionally, Stripe lets you use virtual bank accounts such as N26, Revolut, Wise, and others.

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what's on the screenshot is a Revolut virtual bank account

shell steeple May 16, 2025, 6:17 AM

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Yes, but those bank accounts should also be in Bulgaria, and with currency = BGN

languid mountain May 16, 2025, 6:18 AM

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that's not how Revolut works, their bank entity is registered in Lithuania, all accounts will be starting with LT

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same with Wise etc

shell steeple May 16, 2025, 6:20 AM

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Thanks for the feedback, I'd ask the docs team to improve the content and make it clearer.

languid mountain May 16, 2025, 6:21 AM

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can you check if the issue is actually not the length of the provided IBAN? or something else, but not the LT in front of the string

shell steeple May 16, 2025, 6:21 AM

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I believe I've already answered this question.

an account in BG can only be paid in BGN to a bank account in Bulgaria

languid mountain May 16, 2025, 6:22 AM

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ok thanks for that confirmation

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it's a pity

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and users can't select Lithuania because they can't verify their address on the following step, is that correct? so there is not workaround for users to use Revolut bank accounts outside of Lithuania?

shell steeple May 16, 2025, 6:24 AM

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No, the bank needs to be in BG and the currency needs to be BGN.

languid mountain May 16, 2025, 6:24 AM

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alright

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as an account with Bulgaria selected, I get these options for currencies

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so they should be supported

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I really think the problem is that the IBAN is 20 chars of length instead of 22

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can you check that again please?

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once you append 2 more chars at the end of that Revolut IBAN, the error message disappears, so it may lead to that conclusion

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those IBANs should be validated against a min length of 20 chars instead of 22, that is the correct specification of IBANs

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so it looks like a bug in your Stripe express onboarding component

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if that makes sense?

shell steeple May 16, 2025, 6:55 AM

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The page in the screenshot isn't provided by Stripe, and I don't how they perform the bank account validation

languid mountain May 16, 2025, 6:55 AM

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that's stripe's onboarding component and that's provided by stripe

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shell steeple May 16, 2025, 6:56 AM

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Is the page devloped by you?

languid mountain May 16, 2025, 6:56 AM

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it's an iframe from stripe

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can you raise that bug for me please? it's important to unblock our clients

shell steeple May 16, 2025, 6:58 AM

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It looks like a bug to me. It shouldn't allow other currency rather than BGN

languid mountain May 16, 2025, 6:58 AM

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it's the onboarding component provided by this npm package that is published by stripe

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no, the bug should be that IBANs' specification is a min length of 20 instead of 22 which those fields are wrongly being validated upon atm

shell steeple May 16, 2025, 7:00 AM

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I know. I'm saying that the Onboarding component shouldn't accept bank account in other countries.

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Do you get any errors if you click continue?

languid mountain May 16, 2025, 7:02 AM

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yes, the same error, just from a backend validation I believe

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I don't see a reason why the other currencies or the Revolut bank account won't be accepted from my experience that should be totally fine

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this is a new platform we are just starting to use stripe for transfers/payouts and from my previous experience with payment providers I haven't seen anything like that

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so I'm pretty confident in what I'm saying

shell steeple May 16, 2025, 7:08 AM

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Ok, thanks for confirming the error. i'd report the issue (IBAN should have 20 chars instead of 22) to the connect component team.

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btw I just found this https://docs.stripe.com/payouts/multicurrency-settlement?account-country=BG

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And this https://docs.stripe.com/connect/multicurrency-settlement

languid mountain May 16, 2025, 7:10 AM

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thanks for that

shell steeple May 16, 2025, 7:10 AM

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It says

Connected accounts must be in the same region as your platform to use multi-currency settlement. For example, both you and your connected account could be in Australia, or, if you’re in Europe, your connected account could be in any European country.
And
This content applies to connected accounts when Stripe collected Stripe fees from you. This includes Custom and Express accounts.

languid mountain May 16, 2025, 7:11 AM

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should I use this thread to get updates on the issue when that gets raised, picked up, a fix released etc

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or how do I get updates on the case

shell steeple May 16, 2025, 7:12 AM

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So my understanding is that if you have standard connected account based in BG, it should be able to have settlement currency in EUR, and have funds paid out to the following countries

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom

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Is the account in your current onboarding flow a standard account?

languid mountain May 16, 2025, 7:15 AM

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express account

shell steeple May 16, 2025, 7:16 AM

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I see. Do you want to try again with a standard account ?

languid mountain May 16, 2025, 7:22 AM

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no, that doesn't work for us

shell steeple May 16, 2025, 7:31 AM

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Then I'm afraid that you can't use multi-currency settlement for your connected account.

languid mountain May 16, 2025, 7:34 AM

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we are not interested in using that, we want our users to have the capabilities to use revolut ibans in the express onboarding component

shell steeple May 16, 2025, 7:39 AM

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Let me summarize

For express/custom account, An IBAN is supported if it's a BGN account and the bank is in Bulgarian.
For standard account, An IBAN is supported as long as it's an European bank.

languid mountain May 16, 2025, 7:42 AM

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can we use the stripe hosted onboarding form with a standard account

shell steeple May 16, 2025, 7:52 AM

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Yes you can

mossy edgeBOT May 16, 2025, 7:57 AM

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#calmcup_unexpected