If you are trying to make a payment, you can generally choose other forms of payment that may work for you (e.g., credit cards). If you wish to pay by bank debit, your merchant may also support micro-deposits as an alternative way to verify your bank account. With this verification method, you will manually input your account and routing number, and we will then make a one-cent deposit to your account. This deposit will appear on your bank statement with a unique 6-digit verification code beginning in “SM” listed in the statement descriptor. The experience may look like the following;

After the micro-deposit posts to your account within 1–3 business days, either Stripe or your merchant will notify you and prompt you to confirm the 6-digit verification code beginning in “SM” from the statement descriptor. This will validate that your account is open and available for debits, but it will not provide data access to Stripe or your merchant.

If you are trying to share financial information for a purpose other than making a payment and you prefer not to link your account, you may want to reach out to your merchant for potential alternatives.