Adding funds to your platform balanceU.S. only
Platforms can add funds to their Stripe balance as part of their normal business operations. There are a number of different use cases for adding funds, including:
- Paying bonuses or other one-off payouts, independent of specific charges.
- Providing customer discounts while still paying full price for goods or services to sellers.
- Adding funds from non-Stripe income (e.g., checks or funds from another processor).
- Enabling faster payouts (e.g., pay a vendor before incoming funds become available).
Requirements
All of these requirements must be met to add funds to your Stripe balance:
- Your platform is in the U.S. and the connected account receiving the funds is either in the U.S. or has a recipient service agreement.
- Your platform is on a manual payout schedule.
- Your platform profile is approved. You can check the status in your settings after completing the platform profile.
Only team members with administrator access to the platform Stripe account and who have enabled two factor authentication can add funds.
If you’re new to Connect, start with a guide to add funds to your platform balance and pay out money.
Confirm funding purpose
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.
Click Pay out connected accounts to add funds that are paid 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, click Cover negative balances and see adding funds to your Stripe balance.
Verify 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 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 notifies you in the Dashboard and through 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.
View 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 with 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 transfer, and be available in 1-2 business days.
Testing
You can use the Dashboard or the API to test adding funds to your balance.