Receiving payouts

In order for you to receive funds, Stripe (or your platform) makes payouts to your bank account.

Payout availability depends on a number of factors such as the industry and country you’re operating in. When you start processing live payments from your customers with Stripe, you won’t receive your first payout until 7–14 days after receiving your first successful payment, though in some cases it can take longer to receive your first payout. The first payout usually takes a little longer in order to establish the Stripe account. Processing subsequent payouts then happens according to your account’s payout schedule.

You can view a list of all of your payouts and the date that they are expected to be received in your bank account in the Dashboard.

Connect platforms can refer to our Connect payouts documentation for information about paying out to connected accounts.

Adding your bank account information

Based on your bank’s location, Stripe may require varying types of account details to activate your bank account. You can use the following dropdown to determine what bank details are needed for each country.

Updating your bank account information

You can update your account details at any time in the payout settings of your Dashboard, which you can access by clicking Settings in the navigation sidebar and then Bank accounts and scheduling. To modify your banking information, click the Edit button next to the desired bank account.

Supported accounts and settlement currencies

In most cases, bank accounts must be located in the country where the settlement currency is the official currency. For example, SEK bank accounts must be based in Sweden. Stripe also enables you to settle and payout to a domestic bank in select alternative currencies for a fee. To learn more about presenting and settling in alternative currencies, please see here.

In some cases, Stripe supports international currencies where no fee is incurred. See the table below for the list of supported free currencies per country:

Acquiring fees, where applicable, will be based on the settlement currency and you can find these acquiring fees listed out by currency on your country’s pricing page.

Multiple bank accounts for different settlement currencies

In some countries, Stripe users can add extra bank accounts to enable settlements and payouts in additional currencies. You may add one bank account per supported settlement currency. If you use multiple bank accounts, you must select a default settlement currency, which can be changed at any time.

Charges that are presented in any enabled settlement currency will be settled without currency conversion. However, payments presented in a currency that you have not configured an additional bank account for will automatically be converted to your default currency.

For example, consider a Stripe user in the United Kingdom who has added both GBP and USD bank accounts, with GBP selected as the default settlement currency. USD payments (where USD is the presentment currency) will automatically be paid out to the USD bank account without conversion, whereas payments in all other currencies are converted into GBP.

You can manage your bank accounts and default settlement currency by visiting the Bank accounts and scheduling page under Settings in the Stripe dashboard.

Payout schedule

Your payout schedule refers to how often money is sent to your bank account from Stripe. By default, your payout schedule is set to daily automatic but you can change this in the Dashboard to weekly automatic, monthly automatic, or manual payouts. When selecting a weekly or monthly schedule, you can specify the day of the week/month that payouts should arrive in your bank account. Selecting a payout schedule doesn’t change how long it takes your pending balance to become available, but it does give you control over when your funds are paid out. For example, if your account was operating on a daily payout schedule with a 3 business day payout speed, the funds paid out daily would be from 3 business days preceding.

Manual payouts

If you turn off automatic payouts in the Dashboard, you must manually send funds to your bank account. You can do this either in the Dashboard or by creating payouts using the API.

Manual payouts are available in all regions except Brazil and India, where payouts are always automatic and daily.

curl https://api.stripe.com/v1/payouts \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc
: \
  -d "amount"=5000 \
  -d "currency"="usd"

Payout speed

While payout schedule refers to the cadence on which your funds are paid out (e.g. day of the week), payout speed refers to the amount of time it takes for your funds to become available. The payout speed varies per country and is typically expressed as T+X days. Some payment processors may start “T” from their internal settlement time, meaning when the funds have landed in their bank accounts. At Stripe, we start counting sooner and “T” refers to transaction time, meaning the time of initial payment confirmation or capture. For example, if your Stripe account is based in a country with a T+3 standard payout speed and you are on a manual payout schedule, your Stripe balance will be available to payout within 3 business days from the time a payment was captured; if you are on daily automatic payout schedule at a T+3 speed, the funds paid out daily would be from 3 business days preceding.

Most banks deposit payouts into your bank account as soon as they receive them, though some may take a few extra days to make them available. Other factors that may impact your payout timing include the country you are located in and whether your business operates in a higher-risk industry.

Accelerated Payout Speeds in Europe and Canada

Stripe now offers accelerated payout speeds for users in Europe & Canada, with funds available within 3 business days. After meeting certain criteria based on risk and history with Stripe, users in Europe and Canada will be eligible for this faster payout speed option. You can choose to opt in or opt out of this accelerated payout speed by logging into the Dashboard. You will remain at the starting 7 calendar day payout speed until you meet the eligibility criteria. Some high risk industries may not be eligible.

Payout speed by country

High-risk businesses have a payout speed of 14 calendar days.

Instant Payouts

With Instant Payouts, you can instantly send funds to a supported debit card or bank account. You can request Instant Payouts 24/7, including weekends and holidays, and funds typically appear in the associated bank account within 30 minutes. See here for more details.

Eligibility

New Stripe users aren’t immediately eligible for Instant Payouts. You can check your eligibility in the Dashboard.

To learn more about Instant Payouts see here.

Minimum payout amounts

For most Stripe users, there is no minimum payout amount. However, there are a some exceptions:

• EUR bank accounts have a minimum payout of 1.00 EUR
• GBP bank accounts have a minimum payout of 1.00 GBP
• CHF bank accounts have a minimum payout of 5.00 CHF
• NOK, DKK, and SEK bank accounts have a minimum payout of 20.00 kr
• MXN bank accounts have a minimum payout of 10.00 MXN
• MYR bank accounts have a minimum payout of 5.00 MYR
• SGD bank accounts have a minimum payout of 1.00 SGD
• PLN bank accounts have a minimum payout of 5.00 PLN
• CZK bank accounts have a minimum payout of 30.00 CZK
• RON bank accounts have a minimum payout of 5.00 RON
• BGN bank accounts have a minimum payout of 2.00 BGN
• HUF bank accounts have a minimum payout of 360.00 HUF
• AED bank accounts have a minimum payout of 20.00 AED

If your available account balance is less than the minimum payout amount, it remains in your Stripe account until your balance increases.

Negative payouts

Each payout reflects your available account balance at the time it was created. In some cases, you may have a negative account balance. For example, if you receive 100 USD in payments but refund 200 USD of prior payments, your account balance would be -100 USD. If you don’t receive further payments to balance out the negative amount, Stripe creates a payout that debits your bank account.

Your bank account must support both credit and debit transactions so that Stripe can perform any required payouts.

Payout failures

If your bank account can’t receive a payout for any reason, your bank sends the funds back to us. This returns an error with the reason for the failure. It can take up to five additional business days for your bank to return the payout and inform us that it has failed. If this happens, you’re notified by email and in the Dashboard. To ensure that your bank account details are correct, you need to re-enter them if a payout fails. After you re-enter your bank account details, Stripe attempts to perform the payout again at the next scheduled payout interval.

Make sure that the bank account information you provide is correct. If it’s not (e.g., a typo in the account number), it’s possible to send payouts to another bank account holder. If you’re certain that your banking details are correct, or have contacted your bank to resolve any issues on their end, you can resume payouts by clicking Resume Payouts. If you still haven’t received a payout from Stripe, nor been notified that it’s failed after a suitable amount of time, please get in touch.