<p><a class="user-mention" data-hovercard-user-id="36703333" data-octo-click="hovercard-link-click" data-octo-dimensions="link_type:self" href="https://github.com/alfsbs">@alfsbs</a> is <code>state</code> always required? In the code, I found lot's of places with conditional logic based on country code, i.e.:</p>
<pre><code>if (BankUtil.isStateRequired(payload.getCountryCode()))
</code></pre>

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