Sign in
An image of the Stripe logo
Create account
Sign in
Home
Payments
Business operations
Financial services
Developer tools
Security
All products
Home
Payments
Business operations
Home
Payments
Business operations
Financial services
Developer tools
Support
Overview
Overview
Get started
Collect payments then pay out
Enable other businesses to accept payments directly
Pay out money
Explore Connect
Onboard your accounts
Choose your account type
Standard
Express
Custom
Service agreement types
Account capabilities
Additional verifications
Update verified info
Accept payments
Create a charge
Create a payments page
Create payment links with Connect
Connect integration guide
Automatic payment methods
Set statement descriptors
Connect platforms using the Payment Methods API
Create subscriptions
Create invoices
Debit connected accounts
Pay out
Set bank and debit card payouts
Bank accounts
Manage payout schedule
Manual payouts
Payout reversals
Instant Payouts
Cross-border payouts
Crypto payouts
Manage funds
Add money to your platform balance
Account balance
Handle other currencies
Manage accounts
Best practices
Listen for updates
Dashboard account management
Platform controls for Standard accounts
Make API calls for connected accounts
Set MCCs
Testing
Manage tax forms
Overview
Get started with tax reporting
Tax form settings
Calculation methods
File tax forms
File tax forms with states
Update tax forms
Deliver tax forms
Correct tax forms
Split tax forms
Tax year changeover
Testing
No-code options
connect
·
HomePaymentsMultiparty payments

Pay out money

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. This guide uses an example of a Q&A product that pays its writers a portion of the advertising revenue that their answers generate.

Only team members with administrator access to the platform Stripe account and two-factor authentication enabled can add funds.

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. Add business details to activate your account.
  3. Complete your platform profile.
  4. Customize brand settings. Adding a business name, icon, and brand color is required for Connect Onboarding.

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.

This guide uses Express accounts which have certain restrictions. You can evaluate Custom accounts as an alternative.

Customize your signup form

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

Default Express signup form

Branding settings

Create a connected account link

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 and select Express for account type along with the transfers capability. Click Continue to generate a link to share with the user you want to onboard.

Create a connected account

Create an onboarding link

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 only be used for a single connected account and expires after 7 days. After your user completes the onboarding flow, you can view them in your accounts list.

Add funds to your balance

To add funds, go to the Balance section in the Dashboard. Click Add to balance and select why you are adding funds to your account.

Select Pay out connected accounts to add funds to pay out to your connected accounts. If you are adding funds to your balance to cover future refunds and disputes, or to repay your platform’s negative balance, select Cover negative balances and see adding funds to your Stripe balance.

Verify your bank account

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 appear in your online banking statement within 1-2 business days. You’ll see AMTS as the statement description and the values of the two microdeposits.

Stripe notifies you in the Dashboard and through email when the microdeposits 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.

Add funds

Once verified, 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 (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 the Dashboard.

View funds

View your 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 through bank or wire transfers and are available in 1-2 business days.

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.

Send funds to user

Edit payout schedule

See also

  • Managing connected accounts in the Dashboard
Was this page helpful?
Questions? Contact us.
View developer tutorials on YouTube.
Check out our product changelog.
Powered by Markdoc
You can unsubscribe at any time. Read our privacy policy.
On this page
Prerequisites
Create a connected account
Add funds to your balance
Pay out to your user
Stripe Shell
Test mode
▗▄ ▄▟█ █▀▀ ▗▟████▙▖ ██████ ███▗▟█ ███ ███▗▟██▙▖ ▗▟█████▙▖ ███▖ ▀▀ ███ ███▀▀▀ ███ ███▀ ███ ███ ███ ▝▜████▙▖ ███ ███ ███ ███ ███ █████████ ▄▄ ▝███ ███ ▄ ███ ███ ███▄ ███ ███ ▄▄ ▝▜████▛▘ ▝▜███▛ ███ ███ ███▝▜██▛▘ ▝▜█████▛▘ ███ ▀▘
Welcome to the Stripe Shell! This is a graphical user interface of the Stripe CLI. You can use it to discover webhook events and manage your Stripe resources. By pressing ctrl + ` you can toggle it open from any page within the Stripe documentation. - View supported commands: - Listen for webhook events: - Trigger webhook events: - Call Stripe APIs: stripe [api resource] [api operation] (e.g. )
The Stripe Shell is best experienced on desktop.
$