Cyrillic characters being rejected when creating payment method

[joel_buaron]

Issue:  when attempting to create a payment method (HPM / web UI / API) using GoCardless payment gateway, its will return an error stating "account_holder_name can't be blank". Below is the sample authorization log:

CCTransactionResult: Declined

CreatedOn: 06/24/2016 15:19:39 PDT
GatewayType:GoCardless

TransactionType: Authorization
TransactionId:

TenantId: 978
PaymentMethodTransactionLogId: 2c92c0f9558201b00155847f3e087b18

PaymentMethodId:
ResponseCode: validation_failedResponse

Msg: account_holder_name can't be blank
RequestString:

{ValidateMandateToken_Request = [];ValidateMandateToken_URL = [https://api-sandbox.gocardless.com/mandates/dummy]}, {bank_details_Request = [{"bank_details_lookups": {"country_code": "DE", "iban": "###########################"}}]; = [https://api-sandbox.gocardless.com/bank_details_lookups]}, {create_customer_Request = [{"customers": {"email":"email@zuora.com","given_name": "Zuora","family_name": "Support","address_line1": "address 1 ","city": "City", "region":"State","postal_code": "94404","country_code": "DE", "metadata":{"z_account_number": "B00262689"}}}]; create_customer_URL = [https://api-sandbox.gocardless.com/customers]}, {create_bank_account_Request = [{"customer_bank_accounts": {"account_holder_name": "ывфафыв ывафывафы","iban":"###########################","country_code": "DE","links": {"customer": "ABC"}}}]; = [https://api-sandbox.gocardless.com/customer_bank_accounts]}

ResponseString: [validate_mandate_token_body={"error":{"message":"Resource not found","errors":[{"reason":"resource_not_found","message":"Resource not found"}],"documentation_url":"https://developer.gocardless.com/pro#resource_not_found","type":"invalid_api_usage","request_id":"5a...}}, validate_mandate_token_status_code=404, ], [bank_details_body={"bank_details_lookups":{"bank_name":"Bank of America","available_debit_schemes":["sepa_core","sepa_cor1","sepa_b2b"],"bic":"ZXXXEFXXXX"}}, bank_details_status_code=200, ], [create_customer_body={"customers":{"id":"ABC","created_at":"2016-06-24T22:19:38.908Z","email":"email@zuora.com","given_name":"Zuora","family_name":"Support","company_name":null,"address_line1":"address 1 ","address_line2":null,"address_line3":null,"city":"City","region":"State","postal_code":"94404","country_code":"DE","language":"de","swedish_identity_number":null,"metadata":{"z_account_number":"ABC"}}}, create_customer_status_code=201, ], [create_bank_account_body={"error":{"message":"Validation failed","errors":[{"field":"account_holder_name","message":"can't be blank","request_pointer":"/customer_bank_accounts/account_holder_name"}],"documentation_url":"https://developer.gocardless.com/pro#validation_failed","type":"validation_failed","request_id":"2c5...}}, create_bank_account_status_code=422, ]

[validate_mandate_token_body={"error":{"message":"Resource not found","errors":[{"reason":"resource_not_found","message":"Resource not found"}],"documentation_url":"https://developer.gocardless.com/pro#resource_not_found","type":"invalid_api_usage","request_id":"5a...}}, validate_mandate_token_status_code=404, ], [bank_details_body={"bank_details_lookups":{"bank_name":"Bank of America","available_debit_schemes":["sepa_core","sepa_cor1","sepa_b2b"],"bic":"BOFADEFXXXX"}}, bank_details_status_code=200, ], [create_customer_body={"customers":{"id":"ABC","created_at":"2016-06-24T22:19:38.908Z","email":"email@zuora.com","given_name":"Zuora","family_name":"Support","company_name":null,"address_line1":"address 1 ","address_line2":null,"address_line3":null,"city":"City","region":"State","postal_code":"94404","country_code":"DE","language":"de","swedish_identity_number":null,"metadata":{"z_account_number":"B00262689"}}}, create_customer_status_code=201, ], [create_bank_account_body={"error":{"message":"Validation failed","errors":[{"field":"account_holder_name","message":"can't be blank","request_pointer":"/customer_bank_accounts/account_holder_name"}],"documentation_url":"https://developer.gocardless.com/pro#validation_failed","type":"validation_failed","request_id":"2c5...}}, create_bank_account_status_code=422, ]

[joel_buaron · Accepted solution]

Resolution: GoCardless confirms that for the DirectDebit protocol that when using (SEPA), Cyrillic characters are not accepted in the bank account name.  Thus, users consider the user's input invalid, as the Cyrillic characters could not have been a valid account name.

Additionally, GoCardless validated that since banks only accept alpha-numeric characters for an account holder name, they transliterate the details given to them for this field, strip any remaining non-alphanumeric characters, and then check for presence. In the example, it looks like GoCardless transliteration failed, so they were left with an empty string and falls into a design gap.

For more information, kindly check with your GoCardless account manager.