File Upload Validations

In order to process and deliver payments successfully, we need to capture the necessary recipient information during payment creation. To do so, we have a number of validations on recipient fields that are based on the program type and payment method. 

Key Validation Rules:

For Direct program payments, the required recipient information should be based on the payment method assigned:

• All physical payment methods (check, physical prepaid card, physical gift card): Physical address is required, email is not required
• Digital prepaid cards and digital gift cards - Email address is required, physical address is not required
• Venmo and PayPal - Digital Wallet ID is required
• ACH Payments - Client Recipient ID is required; email and address are not required, however, physical address is required for a backup check

For SurePay Choice and SurePay Direct payments:

• Email address is optional (In this case, we send an immediate fallback) 
• Physical address is required (for fallback payments)

For Choice payments (No Fallback):

• Email address is required
• Physical address is not required

If a program has a backup payment method configured for the payment method assigned, we also validate against the backup payment method. Examples:

• ACH with check backup - physical address will be required
• Venmo/PayPal with check or physical prepaid card backup - Digital Wallet ID and physical address will be required
• Venmo/PayPal with digital prepaid card backup - Digital wallet ID and email address will be required.
  
  

Updated December '24