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272 lines
8.1 KiB
Markdown
272 lines
8.1 KiB
Markdown
# Stripe Account Name vs Bank Account Mismatch - URGENT FIX
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## Current Problem
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**Your Stripe Settings:**
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- Account name: "MySovereignty Digital"
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- Opportunity to: "Create organisation"
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**Your TSB Bank Account:**
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- Needs verification: What is the EXACT owner name?
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**Issue:** If names don't match exactly, TSB will reject all payouts.
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---
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## STEP 1: Check Your TSB Bank Account Owner Name
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**Do this RIGHT NOW:**
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### Option A: TSB Online Banking
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1. Log into https://www.tsb.co.nz/online-banking
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2. Go to account details
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3. Look for "Account holder" or "Account name"
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4. Write down the EXACT name
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### Option B: Call TSB
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1. Phone: 0800 872 000
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2. Ask: "What is the exact account holder name on my account?"
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3. Write down what they tell you
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### Option C: Bank Statement
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1. Find a recent TSB statement (paper or PDF)
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2. Look at the top - account holder name
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3. Write down the exact name
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---
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## STEP 2: Determine Your Account Type
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Based on what you found in Step 1:
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### Scenario A: Bank Account Shows "John Stroh"
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**This means**: Personal/individual bank account
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**What to do in Stripe:**
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- ✅ Keep account type: Individual
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- ✅ Change account name to: "John Stroh"
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- ✅ Business name (for receipts): "Tractatus AI Safety Framework"
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- ❌ DON'T create organization (not needed)
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### Scenario B: Bank Account Shows "MySovereignty Digital" or "MySovereignty Digital Ltd"
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**This means**: Business bank account
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**What to do in Stripe:**
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- ✅ Create organization OR change account type to Company
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- ✅ Legal entity name: "MySovereignty Digital" or "MySovereignty Digital Ltd"
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- ✅ Account holder name: Must match bank exactly
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- ✅ Business name: "Tractatus AI Safety Framework"
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### Scenario C: Bank Account Shows Something Else
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**This means**: Could be a trust, trading name, or other entity
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**What to do:**
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- Write down the EXACT name from bank
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- Use that EXACT name in Stripe
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- Contact TSB to understand the account type
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---
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## STEP 3: Fix Stripe Settings
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Based on your TSB account owner name:
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### If TSB Account = "John Stroh" (MOST LIKELY)
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#### 3A. Change Stripe Account Name
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1. Go to: **https://dashboard.stripe.com/settings/account**
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2. Look for **"Account details"** or **"Business details"** section
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3. Find **"Account holder name"** or **"Legal name"**
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4. Change it to: **John Stroh**
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5. Click **"Save"**
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#### 3B. Update Bank Account Payout Name
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1. Go to: **https://dashboard.stripe.com/settings/payouts**
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2. Click on your TSB bank account
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3. Look for **"Account holder name"** field
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4. Change to: **John Stroh**
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5. If you can't edit:
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- Remove existing bank account
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- Add new one with correct name "John Stroh"
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- Verify new account
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- Set as default
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#### 3C. Keep Business Name for Customers
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1. Go to: **https://dashboard.stripe.com/settings/public**
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2. **"Public business name"**: Tractatus AI Safety Framework
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3. This appears on customer receipts - it's SEPARATE from payout name
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---
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### If TSB Account = "MySovereignty Digital" or Business Entity
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#### 3A. Create or Update to Company Account
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1. Go to: **https://dashboard.stripe.com/settings/account**
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2. Look for **"Create organization"** or **"Account type"**
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3. Click **"Create organization"** or change to **"Company"**
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4. Fill in:
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- **Legal entity name**: MySovereignty Digital (or exact from bank)
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- **Business type**: Company/LLC/Partnership (as registered)
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- **Business number**: Your NZ company number (if incorporated)
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- **Tax ID**: Your IRD number
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#### 3B. Verify Bank Account Matches
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1. Go to: **https://dashboard.stripe.com/settings/payouts**
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2. Bank account holder name should match your business entity
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3. If it shows "John Stroh", you need to:
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- Option A: Change Stripe to individual account (John Stroh)
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- Option B: Change TSB account to business name
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- Option C: Use a different bank account that matches
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---
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## STEP 4: Verify Everything Matches
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Create this checklist and verify:
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| Item | TSB Bank | Stripe Setting | Match? |
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|------|----------|----------------|--------|
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| Account owner name | ________ | ________ | ☐ Yes ☐ No |
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| Account type | Personal/Business | Individual/Company | ☐ Yes ☐ No |
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| Business name (receipts) | N/A | Tractatus AI Safety Framework | ☐ OK |
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**All items MUST match** for payouts to work.
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---
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## Common Scenarios and Solutions
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### Scenario 1: Personal Bank Account + Wrong Stripe Name
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- **TSB account**: John Stroh
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- **Stripe account**: MySovereignty Digital ❌
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- **Fix**: Change Stripe to "John Stroh"
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- **Result**: Payouts will work
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### Scenario 2: Business Bank Account + Personal Stripe
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- **TSB account**: MySovereignty Digital Ltd
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- **Stripe account**: John Stroh (individual) ❌
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- **Fix**: Create Stripe organization, change to company account
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- **Result**: Payouts will work
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### Scenario 3: Trading Name on Bank
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- **TSB account**: John Stroh trading as MySovereignty Digital
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- **Stripe account**: MySovereignty Digital ❌
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- **Fix**: Use "John Stroh" in Stripe (the legal account owner)
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- **Result**: Payouts will work
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---
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## What "Create Organisation" Means in Stripe
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When you see "Create organisation" in Stripe, this is for:
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### Use it when:
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- ✅ You have a registered business entity
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- ✅ Your bank account is in the business name
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- ✅ You want business account features (team access, multiple users)
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- ✅ You're operating as a company/LLC
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### Don't use it when:
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- ❌ Your bank account is in your personal name
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- ❌ You're operating as a sole trader/individual
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- ❌ You just want a business name for receipts (use "Public business name" instead)
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---
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## Quick Decision Tree
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```
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1. What name is on your TSB bank account?
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A. "John Stroh" (personal)
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→ Keep individual Stripe account
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→ Change account name to "John Stroh"
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→ DON'T create organization
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→ Business name = "Tractatus AI Safety Framework" (for receipts only)
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B. "MySovereignty Digital" or "MySovereignty Digital Ltd" (business)
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→ Create organization in Stripe
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→ OR change to company account type
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→ Legal entity = match bank exactly
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→ Business name = "Tractatus AI Safety Framework"
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C. Not sure
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→ Check TSB online banking NOW
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→ Or call TSB: 0800 872 000
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→ Get exact account owner name
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→ Then choose A or B above
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```
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---
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## URGENT: Do This Today
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**5-Minute Fix:**
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1. ☐ Check TSB bank account owner name (online banking or call)
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2. ☐ Write down EXACT name: ___________________
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3. ☐ Go to Stripe: https://dashboard.stripe.com/settings/account
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4. ☐ Update account name to match TSB exactly
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5. ☐ Go to: https://dashboard.stripe.com/settings/payouts
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6. ☐ Update bank account holder name to match TSB exactly
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7. ☐ Save all changes
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8. ☐ Wait for next payout (should work now)
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---
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## What Happens If You Don't Fix This
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**Oct 25-28:** Funds become available in Stripe
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**Oct 26-29:** Stripe attempts payout to TSB
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**Payout recipient name:** "MySovereignty Digital"
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**TSB checks:** "MySovereignty Digital" ≠ "John Stroh" (if personal account)
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**TSB action:** ❌ REJECT PAYMENT
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**Oct 27-30:** Funds return to Stripe balance
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**You get:** Email saying payout failed
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**You must:** Fix name, request payout again, wait another week
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---
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## After You Fix It
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Once names match exactly:
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**Timeline:**
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- Funds in Stripe: Available now
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- Fix name: Today
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- Next payout: Automatic (daily/weekly schedule)
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- Or request manual payout: Settings → Balance → "Pay out funds"
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- Bank receives: 2-3 business days
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- Money in account: 3-4 business days total
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---
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## Summary
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**The issue:**
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- Stripe account name: "MySovereignty Digital"
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- TSB account owner: Probably "John Stroh"
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- TSB will reject if mismatch
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**The fix:**
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1. Check TSB account owner name (5 minutes)
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2. Update Stripe to match exactly (5 minutes)
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3. Verify both match (1 minute)
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4. Wait for payout (automatic)
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**Most likely scenario:**
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- Your TSB account is personal (John Stroh)
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- You need to change Stripe to "John Stroh"
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- Keep "Tractatus AI Safety Framework" as business name for receipts
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- Don't create organization (not needed for personal account)
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---
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**Created**: 2025-10-18
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**Status**: URGENT - Fix before Oct 25 to avoid payout rejection
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**Next**: Check TSB account name, update Stripe to match
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