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).
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.