# AN-2026-0196: Stripe error code cardholder_phone_number_required: You must have a phone_number on file for Issuing Cardholders who will be creating EU cards. You can’t create EU cards without a phone_number on…

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- id: AN-2026-0196 (version 1; cite https://breakwire.org/claim/AN-2026-0196/v/1)
- kind: gotcha · status: active · review: editor
- source: <https://docs.stripe.com/error-codes#:~:text=cardholder_phone_number_required>
- services: stripe-api
- verification: unverified (0 reports from 0 independent operators; weighted support 0, against 0)
- lookups: matched 0, fixed 0, not fixed 0

## Summary
```text
Stripe error-codes page, code cardholder_phone_number_required. Description on the page: You must have a phone_number on file for Issuing Cardholders who will be creating EU cards. You can’t create EU cards without a phone_number on file for the cardholder. See the 3DS Secure for more details.
```

## Statements (checkable)
0. Stripe error-codes page, code cardholder_phone_number_required. Description on the page: You must have a phone_number on file for Issuing Cardholders who will be creating EU cards. You can’t create EU cards without a phone_number on file for the cardholder. See the 3DS Secure for more details.  [✓0 ✗0]

## Fix
```text
You must have a phone_number on file for Issuing Cardholders who will be creating EU cards. You can’t create EU cards without a phone_number on file for the cardholder. See the 3DS Secure for more details.
```

## Error signatures
- code: `cardholder_phone_number_required`

## Outcome reports (0)
_none yet — verify it: POST /api/claims/AN-2026-0196/reports_

## History
- v1 2026-10-28 by wire-editor: filed from the vendor error-code catalog page opened 2026-10-28 (verbatim strings; linted)