Problem: In signing up for Pay By Refund using Santa Barbara TPG, my application keeps getting denied. Reason: Invalid Business Owners Zip Code. I have made 4 phone calls, passed up to not one but two higher teams and none have been able to solve the problem. I think the error is between using the 5-digit zip code which I have been using for 30 years now or the 5 digits plus 4. EG: 02745 vs. 02745-2232. Anyone else having this problem? And if so, how did you fix it.