# Prevent ACH payment and payout failures due to expiring PNC tokenized account numbers ### Manage your TANs * Stripe has a comprehensive set of tools and APIs to help you identify and manage Tokenized Account Numbers (TANs) across supported banks (including PNC). For our most up‑to‑date technical guidance, see [Manage bank accounts with Tokenized Account Numbers](https://docs.stripe.com/financial-connections/tokenized-account-numbers). * PNC delayed their plans to expire TANs indefinitely. Historical expirations that occurred before September 9, 2024, described below, still apply, but PNC has communicated that they don't plan to expire more TANs based only on time since connection. If PNC reintroduces time-based TAN expirations, Stripe will communicate that change as soon as possible. Use the documentation linked above to understand how to: * Detect which Financial Connections Accounts use TANs vs real account numbers. * Check whether TANs are still usable for payments or payouts. * Receive webhook notifications when and in anticipation of a TAN becoming unusable. These tools can help you proactively prevent both ACH payment failures and payout failures. ### PNC policy change impacting some ACH payments and payouts On August 18, 2025, PNC Bank implemented a policy change that will cause some ACH payments and payouts to fail. The new policy caused the ACH payment credential for instantly verified bank accounts added before September 9, 2024 to expire 12 months after they were initially added. Impacted PNC bank accounts are no longer eligible for payments or payouts after expiration and customers will need to update their bank account. PNC later paused time-based TAN expirations. As a result: * The historical expirations described above and in the table below remain accurate for accounts that have already expired. * PNC is not expiring additional TANs on a rolling basis. Stripe will communicate if this changes. See below on how to identify impacted accounts and how to mitigate the impact for your customers. ### What are tokenized account numbers? When an account holder instantly verifies a PNC bank account to make or receive a payment, PNC issues that account a “tokenized account number”, also referred to as a “digital account number.” These are bank account credentials that behave similarly to real account and routing numbers. They can be used for ACH payments and payouts while they are active. When a tokenized account number becomes deactivated, via expiration or revocation, subsequent ACH transactions on the account will fail, returning an `invalid_account_number` (R04) error. Previously, PNC tokenized account numbers expired only if the account holder explicitly revoked consent, for example, via their PNC Online Banking portal or app. With the August 18, 2025, change, instantly verified PNC accounts added before September 9, 2024 began expiring 12 months after initially added. At the time, PNC was the only bank for which tokenized account numbers automatically expired without the account holder explicitly revoking access. PNC has since paused time-based expirations. However, customers can still revoke access to their TANs at any time via their PNC Online Banking portal, and previously expired TANs remain expired. For the latest bank-by-bank TAN behavior and Stripe’s recommended integration patterns, see [Manage bank accounts with Tokenized Account Numbers](https://docs.stripe.com/financial-connections/tokenized-account-numbers). ### Which accounts are impacted by this policy? All instantly verified PNC accounts will be impacted, but some before others. PNC implemented a temporary pause in rolling expiries for accounts added between September 9, 2024 and December 31, 2024 to allow for time to adjust to this change. See below for more detail: - **When account was added** - **When TAN expires** --- - Before September 9, 2024 - 12 months after initially added --- - September 9, 2024 onwards - These accounts will not face TAN expiration ### Impact and remediation ACH payments from PNC bank accounts and payouts from Stripe or Stripe Connect platforms to PNC bank accounts are impacted where TANs have already expired or have been revoked by the customer. The steps below will help you identify which customers are impacted and remediate issues. In addition to the steps in this article, Stripe now offers a more comprehensive set of TAN management tools, including: * Fields on the Financial Connections Account that tell you whether an account uses a TAN and, if applicable, when it’s expected to expire. * Webhook events that notify you before and when TANs become unusable. You can use these tools to proactively update bank details and avoid ACH payment and payout failures. For implementation details, see: [Manage bank accounts with Tokenized Account Numbers](https://docs.stripe.com/financial-connections/tokenized-account-numbers) - **If you:** - **Who is impacted** - **Steps to remediate** --- - Onboarded with Stripe and receive payouts to a PNC bank account - Businesses who onboarded to Stripe and receive payouts to an instantly verified PNC bank account added before September 9, 2024. If you manually entered your account and routing number to retrieve payouts, your account isn't impacted. - Visit [Bank accounts and currencies](https://dashboard.stripe.com/acct_1PHYYuJvqkqPQiBP/settings/payouts) in the Stripe Dashboard and update your payout account. Add your PNC bank account again by entering your account and routing number, or you can add a payout account from a different bank. --- - Process ACH payments with Stripe and leverage Financial Connections for account verifications - The best way to identify impacted accounts is to check the status of the PNC bank account on the Financial Connections Account object for accounts with `institution_name` of `PNC Bank`. PNC accounts that are marked `inactive` may no longer have an active tokenized account number and ACH payments from these accounts may fail with an ‘R04 invalid_account_number error.’ Learn more about [how to check the status of the account](https://docs.stripe.com/api/financial_connections/accounts/retrieve). You can also listen for the `financial_connections.account.deactivated` webhook, which indicates that the account has moved to an inactive status and may no longer be used for payments. Learn more about [webhooks](https://docs.stripe.com/financial-connections/webhooks). - Follow the instructions at [ACH Direct Debit Payments on Tokenized Account Numbers](https://docs.stripe.com/financial-connections/tokenized-account-numbers#ach-direct-debit-payments). --- - Are a Connect platform that processes payouts using Stripe - Use the Stripe `external_accounts` [API](https://docs.stripe.com/api/external_account_bank_accounts/object#account_bank_account_object-routing_number) to identify PNC bank accounts that may be impacted. PNC accounts that use tokenized account numbers use the routing number 063214312. Accounts in this category may still be eligible for payouts if they were added prior to September 9, 2024, however, to avoid future failed payouts, we recommend you update all existing PNC bank accounts for your connected accounts. See how to view the status of existing payouts and identify accounts with failed payouts. - Follow the instructions at [Payout Accounts using Tokenized Account Numbers](https://docs.stripe.com/financial-connections/tokenized-account-numbers#external-bank-accounts).