If a customer fails or opts out of instant verification, Stripe will verify their bank account by sending micro-deposits. These deposits may take 1-2 business days to appear in the customer's account. Customers have 3 attempts for amount-based micro-deposits or 10 attempts for descriptor-based micro-deposits to complete the verification process.

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If your customer has failed or opted out of using the instant verification flow for any reason, Stripe automatically does one of the following to verify the customer’s bank account instead:

• Amount: Sends two micro-deposit amounts to the customer’s bank account, with a statement descriptor that reads “ACCTVERIFY”.
• Descriptor Code: Sends a single micro-deposit to the customer’s bank account with a unique, 6-digit descriptor code at the beginning of the company name field (PaymentIntents API only).

Additional Information

• These micro-deposit transfers can take 1-2 business days to appear in a customer’s bank account.
• Your customer will have 3 attempts for amount-based microdeposits or 10 attempts for descriptor-based microdeposits to complete bank account verification.
• If the maximum number of attempts to verify your customer’s bank account information has been met, contact Stripe Support for additional assistance.