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HomePaymentsOnline payments

Add funds to your Stripe balance

Cover increased refunds and chargebacks by adding funds to your balance.

US Connect accounts

If you want to add funds to pay out to connected accounts, see how to add funds to your platform balance.

To keep your business healthy when your account has a negative balance or when you expect an increase in customer refunds, you can add funds directly to your Stripe balance using a wire or bank transfer.

You can proactively add funds to use for future refunds or chargebacks. These funds are held separately from your earnings, payouts, and funds from other Stripe products.

Add funds

To add funds to your balance using the Dashboard:

  1. Determine how much you want to add to your balance.

  2. Go to the Balances page in the Dashboard, and click Add to balance.

  3. Select whether you want to use a wire or local bank transfer, review Stripe’s bank information, and click Done.

  4. After your bank has sent the funds, return to Balances, and click Add to balance.

  5. (Optional) If the dialog prompts you for a receipt, upload a screenshot or the file that proves that your bank transferred the funds.

    • To fund your Stripe balance faster, we might ask you to include a screenshot or PDF of your bank’s transfer or wire confirmation.
  6. Click Confirm Transfer.

Add to your balance

Add to your balance

View and use your funds

To see the total amount of funds set aside for future refunds, disputes, or negative balances, go to Future refunds or disputes or negative balance in the Balances page. Stripe uses these funds first when it processes a refund or a customer disputes a payment. If no funds remain, we process refunds and disputes from your available balance. If you receive an email from Stripe about debiting your bank account, first check your balance.

Pay outs

If you don’t need to have extra funds set aside, you can pay them out to your bank.

Settlement timing

Funds typically show up in your balance within 1 to 7 business days, depending on the method used to add funds. For ACH transfers, it usually takes 1 to 5 business days.

To let funds to settle to your account without delay, make sure the wire or transfer from your bank includes your Stripe unique reference code in the transfer memo. Find this unique reference code on the Balances page in the Dashboard.

See also

  • Refund and cancel payments
  • Add funds to your platform balance
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Add funds
View and use your funds
Settlement timing
See also
Stripe Shell
Test mode
Welcome to the Stripe Shell! Stripe Shell is a browser-based shell with the Stripe CLI pre-installed. Login to your Stripe account and press Control + Backtick on your keyboard to start managing your Stripe resources in test mode. - View supported Stripe commands: - Find webhook events: - Listen for webhook events: - Call Stripe APIs: stripe [api resource] [operation] (e.g. )
The Stripe Shell is best experienced on desktop.
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