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