feat: adding more docs about minimum required data for external accounts

Author: pengying

mintlify/snippets/external-accounts.mdx

@@ -151,6 +151,79 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
 
 </Tab>
 
+<Tab title="Philippines">
+**PHP Bank Transfer**
+
+```bash cURL
+curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-accounts' \
+  -H 'Authorization: Basic $GRID_CLIENT_ID:$GRID_CLIENT_SECRET' \
+  -H 'Content-Type: application/json' \
+  -d '{
+    "currency": "PHP",
+    "platformAccountId": "ph_bank_001",
+    "accountInfo": {
+      "accountType": "PHP_ACCOUNT",
+      "bankName": "BDO Unibank",
+      "accountNumber": "001234567890",
+      "paymentRails": ["BANK_TRANSFER"],
+      "beneficiary": {
+        "beneficiaryType": "INDIVIDUAL",
+        "fullName": "Maria Santos",
+        "birthDate": "1995-04-10",
+        "nationality": "PH",
+        "address": {
+          "line1": "123 Rizal Avenue",
+          "city": "Manila",
+          "state": "Metro Manila",
+          "postalCode": "1000",
+          "country": "PH"
+        }
+      }
+    }
+  }'
+```
+
+<Note>
+  Account number must be 8-16 digits.
+</Note>
+</Tab>
+
+<Tab title="United Kingdom">
+**GBP Faster Payments**
+
+```bash cURL
+curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-accounts' \
+  -H 'Authorization: Basic $GRID_CLIENT_ID:$GRID_CLIENT_SECRET' \
+  -H 'Content-Type: application/json' \
+  -d '{
+    "currency": "GBP",
+    "platformAccountId": "gb_bank_001",
+    "accountInfo": {
+      "accountType": "GBP_ACCOUNT",
+      "sortCode": "123456",
+      "accountNumber": "12345678",
+      "paymentRails": ["FASTER_PAYMENTS"],
+      "beneficiary": {
+        "beneficiaryType": "INDIVIDUAL",
+        "fullName": "James Smith",
+        "birthDate": "1985-09-03",
+        "nationality": "GB",
+        "address": {
+          "line1": "10 Downing Street",
+          "city": "London",
+          "postalCode": "SW1A 2AA",
+          "country": "GB"
+        }
+      }
+    }
+  }'
+```
+
+<Note>
+  Sort code must be 6 digits. Account number must be 8 digits. Address is required for GBP individual beneficiaries.
+</Note>
+</Tab>
+
 <Tab title="India">
 **UPI**
 
@@ -521,6 +594,25 @@ For business accounts, include business information:
 }
 ```
 
+## Minimum required beneficiary fields
+
+The following table shows the minimum required fields for individual and business beneficiaries by country. All other fields are optional but recommended for faster compliance review.
+
+### Individual beneficiaries
+
+| Country | Required Fields | Required Address Fields |
+| --- | --- | --- |
+| US (USD) | `beneficiaryType`, `fullName` | None (address optional) |
+| Mexico (MXN) | `beneficiaryType`, `fullName` | None (address optional) |
+| Brazil (BRL) | `beneficiaryType`, `fullName` | None (address optional) |
+| Philippines (PHP) | `beneficiaryType`, `fullName` | None (address optional) |
+| United Kingdom (GBP) | `beneficiaryType`, `fullName`, `address` | `line1`, `postalCode`, `country` |
+| Europe (EUR) | `beneficiaryType`, `fullName`, `address` | `line1`, `postalCode`, `country` |
+
+<Info>
+  While only the fields listed above are strictly required, providing additional information like `birthDate`, `nationality`, and `address` can reduce the likelihood of false positive compliance review and increase transaction success rates. 
+</Info>
+
 ## Account status
 Beneficiary data may be reviewed for risk and compliance.  Only `ACTIVE` accounts can receive payments.  Updates to account data may trigger account re-review.
 
@@ -587,6 +679,19 @@ if (!/^\d{7,12}$/.test(cadAccountNumber)) {
   throw new Error("Invalid Canadian account number");
 }
 
+// PHP: 8-16 digit account number
+if (!/^\d{8,16}$/.test(phpAccountNumber)) {
+  throw new Error("Invalid Philippine account number");
+}
+
+// GBP: 6-digit sort code, 8-digit account number
+if (!/^\d{6}$/.test(sortCode)) {
+  throw new Error("Invalid sort code");
+}
+if (!/^\d{8}$/.test(gbpAccountNumber)) {
+  throw new Error("Invalid UK account number");
+}
+
 // ZAR: 9-13 digit account number
 if (!/^\d{9,13}$/.test(zarAccountNumber)) {
   throw new Error("Invalid South African account number");