Getting Paid

    Learn how Stripe automatically pays out your funds to you, and what the common causes are of delayed payouts. If you need help after reading this, search our documentation or check out answers to common questions.

    When and how do I get paid?

    Stripe will pay out funds to your bank account based on the schedule listed in your Dashboard. For example, “Daily — 7 day rolling basis” would mean that charges processed on March 1st would be grouped together and deposited in your account on March 8th, and “Weekly (Monday) — 2 business day rolling basis” would mean that charges processed before a given Thursday will be grouped together and deposited in your account on the following Monday.

    Your payout schedule can be configured to simplify your accounting. We currently offer the option for funds to be paid out daily, weekly (on a custom day of the week), or monthly (on a custom day of the month).

    You can see all payouts Stripe attempts to your bank account on your Dashboard.

    Stripe says a payout has been submitted, but I haven't received the money in my bank account yet. What's going on?

    Stripe submits payouts every day, but most banks will only process the payout on business days. This means that if Stripe sent you money on a holiday or a weekend, you will probably see the money in your bank the next day your bank is open. For payouts sent on business days, you should see the money for it by the next day.

    If the payout was submitted on a business day and you don’t see the money in your bank account within a couple of days, this probably means the payout failed. Banks take 3-5 business days to inform Stripe about payouts that did not go through, at which time we e-mail you about the issue and how to fix it.

    I just got a notification that a payout to my bank account failed. What does this mean and what should I do?

    When Stripe fails to make a payout to you, it usually means there was an issue with the bank account that you have on file with Stripe. As a result, we also hold all pending payouts to your account until the issue with your bank account is resolved. If you update your bank account to a valid checking account, the failed payouts will be automatically retried. If your current account is already valid and you are not sure why the payout failed, you should get in touch with your bank to resolve the issue and then manually retry the failed payouts from your Dashboard.

    It looks like my first payout will arrive in seven days, but I was expecting to receive funds sooner.

    Stripe needs to treat every user’s first payout differently from subsequent payouts. We wait seven days after your first successful charge before sending the first electronic payout to your bank account. Delaying your first payout for a few extra days allows Stripe to address some of the risks that are inherent in providing credit services to our users.

    My funds are paid out on a two-business-day schedule. What counts as a business day?

    Business days are Monday to Friday, except U.S. federal holidays. For example, under a two-business-day payout schedule, payments processed on a Friday would arrive in your bank account on the following Tuesday. Similarly, payments processed on a Monday, July 3rd would arrive in your bank account on Thursday, July 6th, due to Independence Day on July 4th.

    What are common reasons a payout can fail and what should I do to fix the problem for each case?

    Payouts can fail for a number of reasons, but a few common issues make up the majority of payout failures.

    Insufficient funds

    • What it means: Your bank account did not have enough money for a negative payout we tried to make against it.
    • What to do about it: In most cases, you will simply want to add more funds to your bank account and then retry your payout from your Dashboard. You also have the option to update your bank account to another checking account with enough money, and that will automatically retry the payout.

    Account closed

    • What it means: Your bank informed us that the account associated with your bank account details was closed.
    • What to do about it: You will need to update your bank account to a valid checking account.

    No account

    • What it means: No bank account could be found with the details that you have on file, so you probably misentered either your routing number or account number.
    • What to do about it: You will need to update your bank account to a valid checking account.

    Invalid account number

    • What it means: Your routing number seems ok, but your bank informed us that the account number is not valid.
    • What to do about it: You will need to update your bank account to a valid checking account.

    Debit not authorized

    • What it means: Your current bank account does not allow us to make negative payouts against your bank account.
    • What to do about it: You can often resolve the issue by getting in touch with your bank to make sure both credit and debit payouts are allowed on your bank account. Once you do so, you can retry your payout from your Dashboard. Alternatively, you can update your bank account to another checking account that allows both credit and debit payouts.

    Bank ownership changed

    • What it means: Your bank’s branch was bought by another bank, and as a result, your account information (such as your routing number) has changed.
    • What to do about it: You will probably need to update your bank account to a valid checking account.

    Account frozen

    • What it means: Your bank notified us that the funds in your account are currently frozen.
    • What to do about it: Get in touch with your bank to figure out what the issue is. Once you’ve resolved the issue, you can retry your payout from your Dashboard. Alternatively, you can change your bank account to another active checking account.

    Bank account restricted

    • What it means: Your bank notified us that your account has restrictions on either the type or number of payouts allowed. This normally indicates that you are using a savings or other non-checking account with your Stripe account.
    • What to do about it: You should update your bank account to a valid checking account. If your current account is already a checking account, get in touch with your bank to figure out why the payout isn’t going through and then retry your payout from your Dashboard.

    Invalid currency

    • What it means: Your bank is not set up to process payouts in the given currency.
    • What to do about it: In most cases, you may need to change your bank account to another that is set up to accept payouts in the same currency that you are processing in. Alternatively, if your bank claimed that it can process payouts in this currency, you should get in touch with them and then retry your payout from your Dashboard once the issue is resolved.

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