samdipietro-NZ-routing | Stripe Developers | Page 1

lilac ivy Mar 1, 2022, 3:01 PM

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Hi 👋 I'm not certain off the top of my head, but am doing some digging.

woven path Mar 1, 2022, 3:03 PM

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Hi toby, thanks! Just fyi, I spoke with someone from the support chat yesterday, and was told that there isn't a test routing number because a routing number isn't required... but we have a prod seller that uses a routing number, so I think we should be able to use a test routing number?

lilac ivy Mar 1, 2022, 3:10 PM

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Hm, going through the onboarding flow for an NZ account doesn't prompt me for a routing number.

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Is that different from what you're seeing?

woven path Mar 1, 2022, 3:12 PM

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Interesting, yeah our integration is prompting us to enter a routing number a long with the bank account number

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Whichever test routing number I use, I get an error saying that the format entered is incorrect

gritty osprey Mar 1, 2022, 3:14 PM

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We have the integrated onboarding in our application, where we require both the routing number and bank account number

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It seems like we should be able to use a routing number for a New Zealand account in dev/test/staging environments since it looks like we have accounts with both on production

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Or at least we are saying we would expect to be able to use one

lilac ivy Mar 1, 2022, 3:20 PM

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Have you tried reusing one of the routing numbers that made it through your flow in production (with a test account number)?

woven path Mar 1, 2022, 3:26 PM

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Yep I did try that, and strangely that didn't work

main dragon Mar 1, 2022, 3:27 PM

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Hello. Taking over for toby here as they have to step out. Give me a moment to catch up here

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Have you tried: 110000000? From: https://stripe.com/docs/connect/testing#trigger-bank-account-ownership-verification

Testing Stripe Connect

Before going live, test your Connect integration for account creation, identity verification, and payouts.

woven path Mar 1, 2022, 3:41 PM

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Just tried that, same error: "You have provided a hash of routing number and account number for a NZ bank account, but it looks like the routing number is formatted incorrectly."

main dragon Mar 1, 2022, 3:48 PM

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Can you share the account ID for the connected account?

woven path Mar 1, 2022, 3:57 PM

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This is our OTT platform account id: acct_0OH0UmS57H7yUMPyJq9o

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Are you also looking for the test seller's connected account ID? I can't complete the test seller's integration (blocked by this routing number issue), so I don't have this specific account ID :/

main dragon Mar 1, 2022, 4:05 PM

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Can you share the request ID where you created the account?

woven path Mar 1, 2022, 4:07 PM

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req_jS5kyNukyf1xkV

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I found this in the "tokens" call, hopefully that's the request-id you're looking for

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request URL: https://api.stripe.com/v1/tokens

steep portal Mar 1, 2022, 4:10 PM

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Can you try doing the same request without the routing number?

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This shouldn't be needed for NZ bank accounts

woven path Mar 1, 2022, 4:11 PM

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I'm prompted that a routing number field is required

steep portal Mar 1, 2022, 4:15 PM

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Where are you seeing that? You mentioned above that you integrated onboarding directly in your app, not using Connect Onboarding. Do you mean you're prompted by your app?

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Since this is an account creation request, I assume there is no account.updated webhook event with requirements including this field, correct?

woven path Mar 1, 2022, 4:21 PM

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Hi synthrider - yes that's correct, seeing that directly in my app. I'll work with @gritty osprey to check the webhook events, but in the meantime here is a link to our logs: https://dashboard.stripe.com/test/logs?error_type=invalid_request_error&success=false&direction[0]=connect_out&direction[1]=self&created[preset]=7D&missing_response_fields[0]=error.param&missing_response_fields[1]=error.code

steep portal Mar 1, 2022, 4:22 PM

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Yes I see the API request and error

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but why are you prompting for this in your app and sending it?

gritty osprey Mar 1, 2022, 4:34 PM

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We ask for the routing number in our app because in every other case it is required. It appears that way even for New Zealand bank accounts in production

steep portal Mar 1, 2022, 5:05 PM

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It appears that way even for New Zealand bank accounts in production
Can you say more?

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Where do you see that requirement?

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I suspect you are requesting this unnecessarily in your app and the suggestion then would be to stop doing so. Different countries have different conventions for bank accounts, they are not all the same.

woven path Mar 1, 2022, 5:19 PM

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Do you have the stripe documentation for the requirements?

steep portal Mar 1, 2022, 5:21 PM

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You can find the overall Stripe account requirements per country here: https://stripe.com/docs/connect/required-verification-information#NZ-full-company--card_payments|transfers

Required verification information

Learn what required verification information you need to collect for each country when using Connect.

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But this does not expand the details of external_account

woven path Mar 1, 2022, 6:23 PM

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So interestingly enough, when we looked up this routing number format on Wikipedia (https://en.wikipedia.org/wiki/New_Zealand_bank_account_number), if we take the first 6 digits from the routing test number (110000) and apply the remaining digits to the bank account number (0000000010), now we get a 200 post on our token call, so now I can proceed with the stripe payout integration

mystic plank Mar 1, 2022, 6:44 PM

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Happy to hear it 👍

woven path Mar 1, 2022, 6:59 PM

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Thank you everyone! 🙂

#samdipietro-NZ-routing