• Payment Service Provider Stripe asks for a US zipcode when entering my Bunq creditcard

I am trying to use my brand new Bunq Mastercard online on a web service called Feedbin, which uses payment service provider Stripe to handle their payments.

When I enter my old non-Bunq Mastercard number, it only asks for a CVC and an expiry date. When I enter my Bunq Mastercard number, it also asks for a zip-code.

Unfortunately, the entry field only accepts US zip codes (like 90210) and no Dutch zip codes (ike 1234AB).

When I contacted feedbin, they refer to Stripe which indicates when to ask for a ZIP-code and what format that Zip-code needs to be. Their full answer: "According to the documentation from the payment provider Feedbin uses, Stripe, they detect the country the card is from and display the ZIP/Postal code field only if it applies. https://stripe.com/docs/stripe.js#postal-code-formattingThey also have a number of test card numbers to try out for different countries. I put in the test card number for the Netherlands, 4000005280000002, and did not see a zip code field show up."

It looks like the Bunq creditcard is seen as a non-Dutch, or even a US-, card by Stripe.

To what extent is this a known issue? Who should solve it? Stripe or Bunq?

    Bunq has no creditcards, only debitcards

    If ZIP reqired, you can try 00000 maybe. I think in this case you should contact the merchant or payment provider.

      Thanks. I am so used to calling a Mastercard a creditcard but it should indeed read "Bunq debitcard". Cannot correct it anymore.

      I have tried 00000 but that does not work.

      The response from the merchant is in the post. I will contact Payment Service Provider stripe.

        If your dutch postal code is 5745 AB, you should try to enter 05745. This works also for petrol stations in the USA

          US companies, but also from other countries, often ask for national (non-foreign) credit/debit cards. In those circumstances you are not supposed to use a card issued in NL or a foreign billing address. Just entering a fake ZIP code might not help much further as card issuer is determined by first digits of the card number. Imho there are certain limits which cannot be easily/legally circumvented.

            8 days later

            I just added my bunq debit MasterCard to my Feedbin account.

            Had to enter a ZIP code as well but 00000 worked fine for me, and my card was accepted.

              6 months later

              Figures this out and Bunq confirmed that their cards are seen as Austrian cards by some systems and therefore require a zip. Any 5 digit number will do just fine.

                6 days later

                Austrian? That sucks. Some risk checks will then reject the transaction because the transaction is likely initiated from a Dutch/German ip address and that mismatch is seen by many merchants as an indicator of potential fraud.


                As a consumer I want my debit card provider to optimize for a frictionless experience.


                Bunq, can you confirm this and if so, are you going to do anything about it?

                  Our cards aren't Austrian, and systems definitely should not be seeing them as such. Our cards have a BIN number, which systems use to find the bank that issued it.

                  We've ran into a case where a company's systems were acting up, causing them to see the card as Austrian.


                  Of course, we're all up for a smooth ride, so we're helping them to fix it 😄👍

                    Hi Koen, check my chat log and you will see what I mean.

                      Company i.c. was Airlink limo service from NYC

                        Disregard that last comment, here is where it is from;


                        Angelina (Indiegogo Support)

                        Feb 16, 12:37 PST


                        Hi Jaap,


                        Thanks for following up. The postal code field is formatted based on the country your card was issued in. It looks like your card was issued in Austria, so that is the format the postal code field is pulling from. Since your billing address is in the Netherlands, we recommend using a card that was issued in the Netherlands as well. However, I'm happy to see you were able to successfully contribute regardless.

                          Hey there,

                          Mastercards have BIN codes assigned to them, identifying bank and nation (https://www.bincodes.com/)

                          Sadly, quite a number of these codes are being reused after a while. Causing some older systems to get confused, and leaving others unaffected.


                          I hope that explains it! 👍

                            5 days later

                            With bunq cards you can enter any address info you like. I usually do 11111 or 12345 and never had them declined.

                              If your post code is 5745AB, you should try to enter 57450. This works also for AFD (automated fuel dispensers) at gas stations in the US

                                4 days later

                                Austrian Postal codes have 4 digits, so this also can't be the reason

                                  Thanks for helping out guys! 🤗If the above does not work, please let us know and we can search for another solution!

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