Connect
Pay out money

Pay out money U.S. only

Add money to your Stripe balance and pay out your sellers or service providers.

This guide walks you through how to add funds to your account balance and transfer the funds into your users’ bank accounts, without processing payments through Stripe. As an illustration, this guide uses an example of a Q&A product that pays its writers a portion of the advertising revenue that their answers generate.

To add funds to your account balance, your platform must be on a manual payout schedule. You can configure your schedule in your payout settings.

Prerequisites

  1. Register your platform.
  2. Activate your account.
  3. Fill out your platform profile.
  4. Customize your brand settings on the Connect settings page. This information is required for Connect Onboarding.

1 Set up Stripe Server-side

Install Stripe’s official libraries so you can access the API from your application:

# Available as a gem gem install stripe
# If you use bundler, you can add this line to your Gemfile gem 'stripe'
# Install through pip pip install --upgrade stripe
# Or find the Stripe package on http://pypi.python.org/pypi/stripe/
# Find the version you want to pin: # https://github.com/stripe/stripe-python/blob/master/CHANGELOG.md # Specify that version in your requirements.txt file stripe>=2.48.0,<3.0
# Install the PHP library via Composer composer require stripe/stripe-php
# Or download the source directly: https://github.com/stripe/stripe-php/releases
/* For Gradle, add the following dependency to your build.gradle and replace {VERSION} with the version number you want to use from - https://mvnrepository.com/artifact/com.stripe/stripe-java or - https://github.com/stripe/stripe-java/releases/latest */ implementation "com.stripe:stripe-java:{VERSION}"
<!-- For Maven, add the following dependency to your POM and replace {VERSION} with the version number you want to use from - https://mvnrepository.com/artifact/com.stripe/stripe-java or - https://github.com/stripe/stripe-java/releases/latest --> <dependency> <groupId>com.stripe</groupId> <artifactId>stripe-java</artifactId> <version>{VERSION}</version> </dependency>
# For other environments, manually install the following JARs: # - The Stripe JAR from https://github.com/stripe/stripe-java/releases/latest # - Google Gson from https://github.com/google/gson
# Install via npm npm install --save stripe
# Make sure your project is using Go Modules go mod init # Install stripe-go go get -u github.com/stripe/stripe-go/v71
// Then import the package import ( "github.com/stripe/stripe-go/v71" )
# Install via dotnet dotnet add package Stripe.net dotnet restore
# Or install via NuGet PM> Install-Package Stripe.net

2 Create a connected account

When a user (seller or service provider) signs up on your platform, create a user Account (referred to as a connected account) so you can accept payments and move funds to their bank account. Connected accounts represent your users in Stripe’s API and facilitate the collection of information requirements so Stripe can verify the user’s identity. For a Q&A product that pays for answers, the connected account represents the writer.

What you're building

Step 1.1: Customize your signup form

Below is the default signup form for Express:

In your platform settings, customize your Express signup form by changing the color and logos that users see when they click your Connect link.

Step 2.1: Create an Express account and prefill information

Use the /v1/accounts API to create an Express account and set type to express in the account creation request.

curl https://api.stripe.com/v1/accounts \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d type=express
# Set your secret key. Remember to switch to your live secret key in production! # See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' account = Stripe::Account.create({ type: 'express', })
# Set your secret key. Remember to switch to your live secret key in production! # See your keys here: https://dashboard.stripe.com/account/apikeys stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' account = stripe.Account.create( type='express', )
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys \Stripe\Stripe::setApiKey('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); $account = \Stripe\Account::create([ 'country' => 'US', 'type' => 'express', ]);
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; AccountCreateParams params = AccountCreateParams.builder() .setType(AccountCreateParams.Type.EXPRESS) .build(); Account account = Account.create(params);
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys const stripe = require('stripe')('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); const account = await stripe.accounts.create({ type: 'express', });
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys stripe.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc" params := &stripe.AccountParams{ Type: stripe.String(string(stripe.AccountTypeExpress)), } acct, _ := account.New(params)
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; var options = new AccountCreateOptions { Type = "express", }; var service = new AccountService(); var account = service.Create(options);

If you’ve already collected information for your connected accounts, you can prefill that information on the account object for the user and it won’t be collected again in the Connect Onboarding flow. Connect Onboarding only collects required information when you create or update an account.

Step 2.2: Create an account link

You can create an account link by calling the Account Links API with the following parameters:

  • account
  • refresh_url
  • return_url
  • type = account_onboarding
curl https://api.stripe.com/v1/account_links \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d account=acct_1032D82eZvKYlo2C \ -d refresh_url="https://example.com/reauth" \ -d return_url="https://example.com/return" \ -d type=account_onboarding
# Set your secret key. Remember to switch to your live secret key in production! # See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' account_links = Stripe::AccountLink.create({ account: 'acct_1032D82eZvKYlo2C', refresh_url: 'https://example.com/reauth', return_url: 'https://example.com/return', type: 'account_onboarding', })
# Set your secret key. Remember to switch to your live secret key in production! # See your keys here: https://dashboard.stripe.com/account/apikeys stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' account_links = stripe.AccountLink.create( account='acct_1032D82eZvKYlo2C', refresh_url='https://example.com/reauth', return_url='https://example.com/return', type='account_onboarding', )
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys \Stripe\Stripe::setApiKey('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); $account_links = \Stripe\AccountLink::create([ 'account' => 'acct_1032D82eZvKYlo2C', 'refresh_url' => 'https://example.com/reauth', 'return_url' => 'https://example.com/return', 'type' => 'account_onboarding', ]);
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; AccountLinkCreateParams params = AccountLinkCreateParams.builder() .setAccount("acct_1032D82eZvKYlo2C") .setRefreshUrl("https://example.com/reauth") .setReturnUrl("https://example.com/return") .setType("account_onboarding") .build(); AccountLink accountLink = AccountLink.create(params);
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys const stripe = require('stripe')('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); const accountLinks = await stripe.accountLinks.create({ account: 'acct_1032D82eZvKYlo2C', refresh_url: 'https://example.com/reauth', return_url: 'https://example.com/return', type: 'account_onboarding', });
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys stripe.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc" params := &stripe.AccountLinkParams{ Account: stripe.String("acct_1032D82eZvKYlo2C"), RefreshURL: stripe.String("https://example.com/reauth"), ReturnURL: stripe.String("https://example.com/return"), Type: stripe.String("account_onboarding"), } acc, _ := accountlink.New(params)
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; var options = new AccountLinkCreateOptions { Account = "acct_1032D82eZvKYlo2C", RefreshUrl = "https://example.com/reauth", ReturnUrl = "https://example.com/return", Type = "account_onboarding", }; var service = new AccountLinkService(); var accountLink = service.Create(options);

Step 2.3: Redirect your user to the account link URL

The response to your Account Links request includes a value for the key url. Redirect to this link to send your user into the flow. URLs from the Account Links API are temporary and can be used only once because they grant access to the account holder’s personal information. Authenticate the user in your application before redirecting them to this URL. If you want to prefill information, you must do so before generating the account link. After you create the account link for an Express account, you won’t be able to read or write information for the account.

Step 2.4: Handle the user returning to your platform

Connect Onboarding requires you to pass both a return_url and refresh_url to handle all cases where the user will be redirected to your platform. It’s important that you implement these correctly to provide the best experience for your user.

return_url

Stripe issues a redirect to this URL when the user completes the Connect Onboarding flow. This doesn’t mean that all information has been collected or that there are no outstanding requirements on the account. This only means the flow was entered and exited properly.

No state is passed through this URL. After a user is redirected to your return_url, check the state of the details_submitted parameter on their account by doing either of the following:

  • Listening to account.updated webhooks.
  • Calling the Accounts API and inspecting the returned object.

refresh_url

Your user will be redirected to the refresh_url in these cases:

  • The link is expired (a few minutes went by since the link was created).
  • The link was already visited (the user refreshed the page or clicked back or forward in the browser).
  • Your platform is no longer able to access the account.
  • The account has been rejected.

Your refresh_url should trigger a method on your server to call Account Links again with the same parameters, and redirect the user to the Connect Onboarding flow to create a seamless experience.

Step 2.5: Handle users that have not completed onboarding

A user that’s redirected to your return_url might not have completed the onboarding process. Use the /v1/accounts endpoint to retrieve the user’s account and check for charges_enabled. If the account is not fully onboarded, provide UI prompts to allow the user to continue onboarding later. The user can complete their account activation through a new account link (generated by your integration). You can check the state of the details_submitted parameter on their account to see if they’ve completed the onboarding process.

3 Add funds to your balance

Add funds to your account balance from a linked bank account and transfer funds to your connected accounts.

Step 3.1: Confirm funding purpose

To add funds, go to the Balance section in the Dashboard.

Click the Add to balance button. You will be given a prompt to select why you are adding funds to your account.

To add funds that will be paid out to your connected accounts, select “Pay out connected accounts” to proceed.

If you are adding funds to your balance to cover future refunds and disputes, or to repay your platform’s negative balance, select the second option and see the instructions.

Step 3.2: Verifying your bank account

You must use a verified bank account to add funds. You’ll go through the verification process in the Dashboard when you first attempt to add funds from an unverified bank account.

If your bank account is unverified, you’ll need to confirm two microdeposits from Stripe. These deposits will appear on your online banking statement within 1-2 business days. You’ll see AMNTS for the statement description and the values of the two microdeposits.

Stripe will notify you in the Dashboard and via email when the microdeposits should have arrived in your account. To complete the verification process, click the Dashboard notification in the Balance section, enter the two microdeposit amounts, and click Verify account.

Step 3.3: Add funds

Once verified, you can use the API to add funds to your account balance.

When you add funds through the API, a top-up object is created.

curl https://api.stripe.com/v1/topups \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d amount=2000 \ -d currency=usd \ -d description="Top-up for week of May 31" \ -d statement_descriptor="Weekly top-up"
# Set your secret key. Remember to switch to your live secret key in production! # See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' topup = Stripe::Topup.create({ amount: 2000, currency: 'usd', description: 'Top-up for week of May 31', statement_descriptor: 'Weekly top-up', })
# Set your secret key. Remember to switch to your live secret key in production! # See your keys here: https://dashboard.stripe.com/account/apikeys stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' topup = stripe.Topup.create( amount=2000, currency='usd', description='Top-up for week of May 31', statement_descriptor='Weekly top-up', )
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys \Stripe\Stripe::setApiKey('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); $topup = \Stripe\Topup::create([ 'amount' => 2000, 'currency' => 'usd', 'description' => 'Top-up for week of May 31', 'statement_descriptor' => 'Weekly top-up', ]);
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; TopupCreateParams params = TopupCreateParams.builder() .setAmount(2000L) .setCurrency("usd") .setDescription("Top-up for week of May 31") .setStatementDescriptor("Weekly top-up") .build(); Topup topup = Topup.create(params);
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys const stripe = require('stripe')('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); const topup = await stripe.topups.create({ amount: 2000, currency: 'usd', description: 'Top-up for week of May 31', statement_descriptor: 'Weekly top-up', });
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys stripe.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc" params := &stripe.TopupParams{ Amount: stripe.Int64(2000), Currency: stripe.String(string(stripe.CurrencyUSD)), Description: stripe.String("Top-up for week of May 31"), StatementDescriptor: stripe.String("Weekly top-up"), } t, _ := topup.New(params)
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; var options = new TopupCreateOptions { Amount = 2000, Currency = "usd", Description = "Top-up for week of May 31", StatementDescriptor = "Weekly top-up", }; var service = new TopupService(); var topup = service.Create(options);

When you transfer funds, a statement descriptor appears on your banking statement for the transaction. The default statement descriptor is “Top-up.” You can customize the statement descriptor and internal description for the top-up.

Seeing your funds

View your added funds in the Dashboard on Top-ups tab under the Balance page. Each time you add funds, a top-up object is made that has a unique ID in the format tu_XXXXXX, which you can see on the detailed view for the top-up.

Settlement timing

US platforms add funds via ACH debit, and can take 5-6 business days to become available in your Stripe balance. You can request a review of your account for faster settlement timing in the Dashboard.

As we learn more about your account, Stripe might be able to decrease your settlement timing automatically.

Adding funds for future refunds and disputes, or to repay a negative balance can happen via bank or wire transfer, and will become available in 1-2 business days.

4 Pay out to your user

You can transfer available funds to a connected account using the API. For example, make the following call to transfer 9 USD to an account:

curl https://api.stripe.com/v1/transfers \ -u sk_test_4eC39HqLyjWDarjtT1zdp7dc: \ -d amount=1000 \ -d currency=usd \ -d destination="{{CONNECTED_STRIPE_ACCOUNT_ID}}"
# Set your secret key. Remember to switch to your live secret key in production! # See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' transfer = Stripe::Transfer.create({ amount: 900, currency: "usd", destination: "{{CONNECTED_STRIPE_ACCOUNT_ID}}", })
# Set your secret key. Remember to switch to your live secret key in production! # See your keys here: https://dashboard.stripe.com/account/apikeys stripe.api_key = 'sk_test_4eC39HqLyjWDarjtT1zdp7dc' transfer = stripe.Transfer.create( amount=1000, currency="usd", destination={{CONNECTED_STRIPE_ACCOUNT_ID}}", )
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys \Stripe\Stripe::setApiKey('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); $transfer = \Stripe\Transfer::create([ "amount" => 1000, "currency" => "usd", "destination" => "{{CONNECTED_STRIPE_ACCOUNT_ID}}", ]);
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys Stripe.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; Map<String, Object> params = new HashMap<>(); params.put("amount", 1000); params.put("currency", "usd"); params.put("destination", "{{CONNECTED_STRIPE_ACCOUNT_ID}}"); Transfer transfer = Transfer.create(params);
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys const stripe = require('stripe')('sk_test_4eC39HqLyjWDarjtT1zdp7dc'); const transfer = await stripe.transfers.create({ amount: 1000, currency: "usd", destination: "{{CONNECTED_STRIPE_ACCOUNT_ID}}", });
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys stripe.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc" params := &stripe.TransferParams{ Amount: stripe.Int64(1000), Currency: stripe.String(string(stripe.CurrencyUSD)), Destination: stripe.String("{{CONNECTED_STRIPE_ACCOUNT_ID}}"), } tr, _ := transfer.New(params)
// Set your secret key. Remember to switch to your live secret key in production! // See your keys here: https://dashboard.stripe.com/account/apikeys StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"; var options = new TransferCreateOptions { Amount = 1000, Currency = "usd", Destination = "{{CONNECTED_STRIPE_ACCOUNT_ID}}" }; var service = new TransferService(); var Transfer = service.Create(options);

By default, any funds that you transfer to a connected account accumulates in the connected account’s Stripe balance and is paid out on a daily rolling basis. You can change the payout schedule as needed.

5 Complete and customize your integration

You now have a working integration. From your account dashboard, you can view an account and its balance.

Testing

Use the test bank tokens provided in the Connect-specific testing resource to simulate flows for accounts and onboarding, payouts, and adding funds.

Other resources

You have completed the minimum steps required to build a working Connect integration. Based on your business needs, you can also do the following:

Manage connected accounts

Customize payments

This guide walks you through how to add funds to your account balance and transfer the funds into your users’ bank accounts, without processing payments through Stripe. As an illustration, this guide uses an example of a Q&A product that pays its writers a portion of the advertising revenue that their answers generate.

To add funds to your account balance, your platform must be on a manual payout schedule. You can configure your schedule in your payout settings.

Prerequisites

  1. Register your platform.
  2. Activate your account.
  3. Fill out your platform profile.
  4. Customize your brand settings on the Connect settings page. This information is required for Connect Onboarding.

1 Create a connected account

When a user (seller or service provider) signs up on your platform, create a user Account (referred to as a connected account) so you can accept payments and move funds to their bank account. Connected accounts represent your users in Stripe’s API and facilitate the collection of information requirements so Stripe can verify the user’s identity. For a Q&A product that pays for answers, the connected account represents the writer.

Step 1.1: Customize your signup form

Below is the default signup form for Express:

In your platform settings, customize your Express signup form by changing the color and logos that users see when they click your Connect link.

Step 1.2: Create a connected account link

First, enable onboarding Express accounts with OAuth by selecting the toggle in your platform settings.

To create a new connected account link, click +Create on the accounts overview page. For this guide, you’ll want to select Express accounts and the transfers capability.

After you click Continue, a link is provided that you can share with the user you want to onboard.

This single-use link directs users to a form where they can provide information in order to be connected to your platform. In the example of a Q&A platform, this link would be provided to writers to connect with the platform. This link should be used for only a single connected account and will expire after 7 days.

After your user completes the onboarding flow, you can view them in your accounts list.

2 Add funds to your balance

Add funds to your account balance from a linked bank account and transfer funds to your connected accounts.

Step 2.1: Confirm funding purpose

To add funds, go to the Balance section in the Dashboard.

Click the Add to balance button. You will be given a prompt to select why you are adding funds to your account.

To add funds that will be paid out to your connected accounts, select “Pay out connected accounts” to proceed.

If you are adding funds to your balance to cover future refunds and disputes, or to repay your platform’s negative balance, select the second option and see the instructions.

Step 2.2: Verifying your bank account

You must use a verified bank account to add funds. You’ll go through the verification process in the Dashboard when you first attempt to add funds from an unverified bank account.

If your bank account is unverified, you’ll need to confirm two microdeposits from Stripe. These deposits will appear on your online banking statement within 1-2 business days. You’ll see AMNTS for the statement description and the values of the two microdeposits.

Stripe will notify you in the Dashboard and via email when the microdeposits should have arrived in your account. To complete the verification process, click the Dashboard notification in the Balance section, enter the two microdeposit amounts, and click Verify account.

Step 2.3: Add funds

Once verified, you can use the Dashboard to add funds to your account balance.

  1. In the Dashboard, go to the Balance section.
  2. In the Add to balance window, enter an amount in USD and select Connect payouts.
  3. In the resulting modal window (shown below), enter an amount in USD.
  4. Verify the amount and then click Add funds.
  5. The resulting object is called a top-up and can be viewed in the Top-ups section of your dashboard.

Seeing your funds

View your added funds in the Dashboard on Top-ups tab under the Balance page. Each time you add funds, a top-up object is made that has a unique ID in the format tu_XXXXXX, which you can see on the detailed view for the top-up.

Settlement timing

US platforms add funds via ACH debit, and can take 5-6 business days to become available in your Stripe balance. You can request a review of your account for faster settlement timing in the Dashboard.

As we learn more about your account, Stripe might be able to decrease your settlement timing automatically.

Adding funds for future refunds and disputes, or to repay a negative balance can happen via bank or wire transfer, and will become available in 1-2 business days.

3 Pay out to your user

After your user completes the onboarding process and you’ve added funds to your balance, you can transfer some of your balance to your connected accounts. In this example, money is transferred from the Q&A platform’s balance to the individual writer.

To pay your user, go to the Balance section of an account’s detail page and click Send funds.

By default, any funds you transfer to a connected account accumulate in the connected account’s Stripe balance and are paid out on a daily rolling basis. You can change the payout frequency by clicking the right-most button in the Balance section and selecting Edit payout schedule.

Next steps

You now have a working integration. Learn more about managing connected accounts in the dashboard.