This is completely normal—adding payment details is a separate step that comes after you create the recipient.
When you first create a recipient, we only ask for basic information such as:
Legal name or business name
Legal address (as registered with their bank)
Email address
Once the recipient is created, you’ll then be able to add one or more payment methods. This is where you’ll enter the account number, routing information, and other details—based on the specific currency and payment method you choose.
This two-step process helps keep your recipient list flexible and organized, especially if they use different accounts for different currencies or payment types.