BILL-5582: Add descriptor_code support to bank account verification#192
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Stripe updated microdeposit verification from two amounts to a single 6-character descriptor code. This adds support for the new path while keeping the existing amounts path fully backwards compatible. Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
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This was referenced Jun 2, 2026
Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
This was referenced Jun 3, 2026
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rishabhromit
approved these changes
Jun 5, 2026
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Description
Problem: Stripe's Setup Intents API added a descriptor code-based microdeposit verification path alongside the legacy two-amount path. When a bank account is created via Setup Intents, Stripe sends a single $0.01 deposit whose statement descriptor contains a 6-character code beginning with
SM. The PHP SDK had no support for this path, so customers whose accounts were assignedmicrodeposit_type: descriptor_codecould not complete verification through the SDK.Solution: Added
descriptor_codeas an alternative toamountsonBankAccountVerify, updated validation so exactly one of the two fields is required (not both, not neither), and addedmicrodeposit_typeto theBankAccountresponse model so callers can read which verification path applies to a given account before calling verify.Non-breaking: All existing code using
amountscontinues to work without any changes.Story
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