# Stripe Account Name vs Bank Account Mismatch - URGENT FIX

## Current Problem

**Your Stripe Settings:**
- Account name: "MySovereignty Digital"
- Opportunity to: "Create organisation"

**Your TSB Bank Account:**
- Needs verification: What is the EXACT owner name?

**Issue:** If names don't match exactly, TSB will reject all payouts.

---

## STEP 1: Check Your TSB Bank Account Owner Name

**Do this RIGHT NOW:**

### Option A: TSB Online Banking
1. Log into https://www.tsb.co.nz/online-banking
2. Go to account details
3. Look for "Account holder" or "Account name"
4. Write down the EXACT name

### Option B: Call TSB
1. Phone: 0800 872 000
2. Ask: "What is the exact account holder name on my account?"
3. Write down what they tell you

### Option C: Bank Statement
1. Find a recent TSB statement (paper or PDF)
2. Look at the top - account holder name
3. Write down the exact name

---

## STEP 2: Determine Your Account Type

Based on what you found in Step 1:

### Scenario A: Bank Account Shows "John Stroh"
**This means**: Personal/individual bank account

**What to do in Stripe:**
- ✅ Keep account type: Individual
- ✅ Change account name to: "John Stroh"
- ✅ Business name (for receipts): "Tractatus AI Safety Framework"
- ❌ DON'T create organization (not needed)

### Scenario B: Bank Account Shows "MySovereignty Digital" or "MySovereignty Digital Ltd"
**This means**: Business bank account

**What to do in Stripe:**
- ✅ Create organization OR change account type to Company
- ✅ Legal entity name: "MySovereignty Digital" or "MySovereignty Digital Ltd"
- ✅ Account holder name: Must match bank exactly
- ✅ Business name: "Tractatus AI Safety Framework"

### Scenario C: Bank Account Shows Something Else
**This means**: Could be a trust, trading name, or other entity

**What to do:**
- Write down the EXACT name from bank
- Use that EXACT name in Stripe
- Contact TSB to understand the account type

---

## STEP 3: Fix Stripe Settings

Based on your TSB account owner name:

### If TSB Account = "John Stroh" (MOST LIKELY)

#### 3A. Change Stripe Account Name

1. Go to: **https://dashboard.stripe.com/settings/account**
2. Look for **"Account details"** or **"Business details"** section
3. Find **"Account holder name"** or **"Legal name"**
4. Change it to: **John Stroh**
5. Click **"Save"**

#### 3B. Update Bank Account Payout Name

1. Go to: **https://dashboard.stripe.com/settings/payouts**
2. Click on your TSB bank account
3. Look for **"Account holder name"** field
4. Change to: **John Stroh**
5. If you can't edit:
   - Remove existing bank account
   - Add new one with correct name "John Stroh"
   - Verify new account
   - Set as default

#### 3C. Keep Business Name for Customers

1. Go to: **https://dashboard.stripe.com/settings/public**
2. **"Public business name"**: Tractatus AI Safety Framework
3. This appears on customer receipts - it's SEPARATE from payout name

---

### If TSB Account = "MySovereignty Digital" or Business Entity

#### 3A. Create or Update to Company Account

1. Go to: **https://dashboard.stripe.com/settings/account**
2. Look for **"Create organization"** or **"Account type"**
3. Click **"Create organization"** or change to **"Company"**
4. Fill in:
   - **Legal entity name**: MySovereignty Digital (or exact from bank)
   - **Business type**: Company/LLC/Partnership (as registered)
   - **Business number**: Your NZ company number (if incorporated)
   - **Tax ID**: Your IRD number

#### 3B. Verify Bank Account Matches

1. Go to: **https://dashboard.stripe.com/settings/payouts**
2. Bank account holder name should match your business entity
3. If it shows "John Stroh", you need to:
   - Option A: Change Stripe to individual account (John Stroh)
   - Option B: Change TSB account to business name
   - Option C: Use a different bank account that matches

---

## STEP 4: Verify Everything Matches

Create this checklist and verify:

| Item | TSB Bank | Stripe Setting | Match? |
|------|----------|----------------|--------|
| Account owner name | ________ | ________ | ☐ Yes ☐ No |
| Account type | Personal/Business | Individual/Company | ☐ Yes ☐ No |
| Business name (receipts) | N/A | Tractatus AI Safety Framework | ☐ OK |

**All items MUST match** for payouts to work.

---

## Common Scenarios and Solutions

### Scenario 1: Personal Bank Account + Wrong Stripe Name
- **TSB account**: John Stroh
- **Stripe account**: MySovereignty Digital ❌
- **Fix**: Change Stripe to "John Stroh"
- **Result**: Payouts will work

### Scenario 2: Business Bank Account + Personal Stripe
- **TSB account**: MySovereignty Digital Ltd
- **Stripe account**: John Stroh (individual) ❌
- **Fix**: Create Stripe organization, change to company account
- **Result**: Payouts will work

### Scenario 3: Trading Name on Bank
- **TSB account**: John Stroh trading as MySovereignty Digital
- **Stripe account**: MySovereignty Digital ❌
- **Fix**: Use "John Stroh" in Stripe (the legal account owner)
- **Result**: Payouts will work

---

## What "Create Organisation" Means in Stripe

When you see "Create organisation" in Stripe, this is for:

### Use it when:
- ✅ You have a registered business entity
- ✅ Your bank account is in the business name
- ✅ You want business account features (team access, multiple users)
- ✅ You're operating as a company/LLC

### Don't use it when:
- ❌ Your bank account is in your personal name
- ❌ You're operating as a sole trader/individual
- ❌ You just want a business name for receipts (use "Public business name" instead)

---

## Quick Decision Tree

```
1. What name is on your TSB bank account?

   A. "John Stroh" (personal)
      → Keep individual Stripe account
      → Change account name to "John Stroh"
      → DON'T create organization
      → Business name = "Tractatus AI Safety Framework" (for receipts only)

   B. "MySovereignty Digital" or "MySovereignty Digital Ltd" (business)
      → Create organization in Stripe
      → OR change to company account type
      → Legal entity = match bank exactly
      → Business name = "Tractatus AI Safety Framework"

   C. Not sure
      → Check TSB online banking NOW
      → Or call TSB: 0800 872 000
      → Get exact account owner name
      → Then choose A or B above
```

---

## URGENT: Do This Today

**5-Minute Fix:**

1. ☐ Check TSB bank account owner name (online banking or call)
2. ☐ Write down EXACT name: ___________________
3. ☐ Go to Stripe: https://dashboard.stripe.com/settings/account
4. ☐ Update account name to match TSB exactly
5. ☐ Go to: https://dashboard.stripe.com/settings/payouts
6. ☐ Update bank account holder name to match TSB exactly
7. ☐ Save all changes
8. ☐ Wait for next payout (should work now)

---

## What Happens If You Don't Fix This

**Oct 25-28:** Funds become available in Stripe
**Oct 26-29:** Stripe attempts payout to TSB
**Payout recipient name:** "MySovereignty Digital"
**TSB checks:** "MySovereignty Digital" ≠ "John Stroh" (if personal account)
**TSB action:** ❌ REJECT PAYMENT
**Oct 27-30:** Funds return to Stripe balance
**You get:** Email saying payout failed
**You must:** Fix name, request payout again, wait another week

---

## After You Fix It

Once names match exactly:

**Timeline:**
- Funds in Stripe: Available now
- Fix name: Today
- Next payout: Automatic (daily/weekly schedule)
- Or request manual payout: Settings → Balance → "Pay out funds"
- Bank receives: 2-3 business days
- Money in account: 3-4 business days total

---

## Summary

**The issue:**
- Stripe account name: "MySovereignty Digital"
- TSB account owner: Probably "John Stroh"
- TSB will reject if mismatch

**The fix:**
1. Check TSB account owner name (5 minutes)
2. Update Stripe to match exactly (5 minutes)
3. Verify both match (1 minute)
4. Wait for payout (automatic)

**Most likely scenario:**
- Your TSB account is personal (John Stroh)
- You need to change Stripe to "John Stroh"
- Keep "Tractatus AI Safety Framework" as business name for receipts
- Don't create organization (not needed for personal account)

---

**Created**: 2025-10-18
**Status**: URGENT - Fix before Oct 25 to avoid payout rejection
**Next**: Check TSB account name, update Stripe to match
