Receiving Payouts

    Learn about setting up your bank account to receive payouts from Stripe.

    To receive funds for payments you’ve processed, Stripe makes deposits (payouts) of your available account balance into your bank account. This account balance is comprised of different types of transactions (e.g., payments, refunds, etc.).

    Once you start processing with Stripe, your first payout is made 7-10 days after your first successful payment is received. Subsequent payouts are then processed according to your account’s payout schedule. This allows Stripe to mitigate some of the risks inherent in providing credit services.

    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.

    Adding your bank account information

    Your bank account information is required when activating your account. You can update these details at any time in the payout settings of your Dashboard. The type of bank account information required depends on where your bank account is located.

    Use the following information to determine what bank details are needed for each country.

    Bank Account Information Example Data
    BSB 123456 (6 characters)
    Account Number 12345678 (8 characters)
    Bank Account Information Example Data
    IBAN AT611904300235473201
    Bank Account Information Example Data
    IBAN BE12345678912345
    Bank Account Information Example Data
    Bank Code 123 (3 characters)
    Branch Code 4567 (4 characters, with 1 optional check digit)
    Account Number Format varies by bank
    Bank Account Information Example Data
    Transit Number 12345
    Institution Number 678
    Account Number Format varies by bank
    Bank Account Information Example Data
    IBAN DK5000400440116243
    Bank Account Information Example Data
    IBAN FI2112345600000785
    Bank Account Information Example Data
    IBAN FR1420041010050500013M02606 (27 characters)
    Bank Account Information Example Data
    IBAN DE89370400440532013000 (22 characters)
    Bank Account Information Example Data
    IBAN GI75NWBK000000007099453 (23 characters)

    While we don't currently support businesses that have operations solely in Gibraltar, it is possible to attach bank accounts that are based in Gibraltar.

    Bank Account Information Example Data
    Clearing Code 123 (3 characters)
    Branch Code 456 (3 characters)
    Account Number 123456-789 (5-6 characters, a dash, 1-3 characters)
    Bank Account Information Example Data
    IBAN IE29AIBK93115212345678 (22 characters)
    Bank Account Information Example Data
    IBAN IT60X0542811101000000123456 (27 characters)
    Bank Account Information Example Data
    Bank Name いろは銀行
    Branch Name 東京支店
    Bank Code 0123 (4 characters)
    Branch Code 456 (3 characters)
    Account Number 1234567 (6-8 characters)
    Account Owner Name ヤマダハナコ

    Stripe currently only supports checking accounts for bank accounts in Japan.

    Bank Account Information Example Data
    IBAN LU280019400644750000 (20 characters)
    Bank Account Information Example Data
    CLABE 123456789012345678 (18 characters)
    Bank Account Information Example Data
    IBAN NL39RABO0300065264 (18 characters)
    Bank Account Information Example Data
    Routing Number 110000 (6 digits)
    Account Number 0000000010 (9-10 digits)
    Bank Account Information Example Data
    IBAN NO9386011117947 (15 characters)
    Bank Account Information Example Data
    IBAN PT50123443211234567890172 (25 characters)
    Bank Account Information Example Data
    Bank Code 1234
    Branch Code 567
    Account Number 123456789012 (6-12 characters)
    Bank Account Information Example Data
    IBAN ES9121000418450200051332 (24 characters)
    Bank Account Information Example Data
    IBAN SE3550000000054910000003 (24 characters)
    Bank Account Information Example Data
    IBAN CH9300762011623852957 (21 characters)
    Bank Account Information Example Data
    Sort Code 12-34-56
    Account Number 01234567

    The information required for UK-based bank accounts depends on the currency being used and the country of your Stripe account. EUR-denominated UK bank accounts and some countries that support UK-based GBP accounts may need to provide IBAN information instead of an account number and sort code.

    Bank Account Information Example Data
    IBAN GB82WEST12345698765432 (22 characters)
    Bank Account Information Example Data
    Routing Number 111000000 (9 characters)
    Account Number Format varies by bank

    Supported accounts and settlement currencies

    In general, bank accounts must be located in the country where their settlement currency is based (e.g., SEK bank accounts must be based in Sweden), though there are some exceptions:

    • Stripe accounts in Canada support USD bank accounts based in Canada
    • Stripe accounts in Ireland support GBP bank accounts in Ireland, provided it supports payouts via BACS
    • Stripe accounts in Europe support EUR bank accounts located in any European country where Stripe is currently live, in preview, or in private beta

    Accounts created in Australia can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    AUD Australia

    Accounts created in Austria can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Belgium can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Brazil can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    BRL Brazil

    Accounts created in Canada can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    CAD Canada
    USD Canada, United States

    Accounts created in Denmark can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Finland can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in France can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Germany can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Hong Kong can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    HKD Hong Kong

    Accounts created in Ireland can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Italy can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Japan can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    JPY Japan

    Accounts created in Luxembourg can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Mexico can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    MXN Mexico

    Accounts created in Netherlands can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in New Zealand can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    NZD New Zealand

    Accounts created in Norway can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Portugal can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Singapore can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    SGD Singapore

    Accounts created in Spain can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Sweden can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in Switzerland can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    CHF Switzerland
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in United Kingdom can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    EUR Austria, Belgium, Denmark, Finland, France, Germany, Ireland, Italy, Luxembourg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, United Kingdom
    DKK Denmark
    GBP United Kingdom
    NOK Norway
    SEK Sweden
    USD United States

    Accounts created in United States can receive payouts in the following settlement currencies.

    Settlement Currency can be paid out to banks in these countries
    USD United States

    Multiple bank accounts for different settlement currencies

    Stripe users in some countries can use multiple bank accounts for different settlement currencies. Should you receive payments in a presentment currency that is the same as your bank account’s settlement currency, Stripe automatically creates a payout to that account and does not perform currency conversion.

    One bank account per supported settlement currency can be added. If you use multiple bank accounts, you must select a default settlement currency (this can be changed at any time). Any payments you receive that aren’t in a settlement currency you have a bank account for are converted into your default settlement currency.

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

    Payout schedule

    By default, Stripe automatically creates payouts of your available account balance based on the schedule specified in the Dashboard. The schedule used is dependent on your country and whether your business operates in a higher-risk industry.

    When a payment is first received, it is initially reflected as a pending balance (less any Stripe fees). This balance becomes available according to your payout schedule. For instance, it takes seven days from a payment being received to it being paid out for Stripe accounts on a 7 day rolling schedule.

    Most banks deposit payouts into your bank account as soon as they are received, though some may take a few extra days to make them available.

    2 day rolling

    Applies to: Australia, United States (except businesses in higher-risk industries)

    Payouts of your available account balance are made daily and contain payments processed two business days prior (this is how long it takes for your pending account balance to become available on this schedule). For example, payments received on a Tuesday are paid out by Thursday, and payments received on a Wednesday are paid out by Friday.

    If your business operates in a higher-risk industry, this schedule may not be immediately available. We require a short period to monitor your business activity before it can be enabled, in which case a 7 day rolling schedule would apply instead. This delay protects your business, customers, and Stripe from the increased risk of fraudulent activity.

    7 day rolling

    Applies to: All countries except Japan, and high-risk businesses in Australia or United States

    Payouts are made daily and contain payments processed seven days prior. For example, payments received on a Tuesday are paid out by the following Tuesday.

    Japanese weekly

    Applies to: Japan

    Payouts are made once a week (on a day of your choosing) and include payments processed between 4-11 days prior. For example, if payouts are scheduled on Wednesdays, your account balance from Sunday of the previous week until Saturday of the previous week are deposited every Wednesday.

    Alternative payout schedules

    If you would prefer to receive payouts on a fixed schedule, you can choose to have them sent either weekly or monthly in your account’s payout settings. When selecting a weekly schedule, you can specify the day of the week that payments should arrive in your bank account. For a monthly schedule, you can specify the day of the month. Payouts scheduled for the 31st of the month are sent on the last day of shorter months.

    Selecting either a weekly or monthly schedule does not change how long it takes for your pending balance to become available. If your account was previously operating on a 2 day rolling schedule, it still takes two business days for your pending balance to become available. For instance, if a Stripe account changes from 2 day rolling to weekly on Fridays, the available balance includes payments made in the last week before Wednesday.

    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 Payouts section of the Dashboard or by creating payouts using the API.

    curl https://api.stripe.com/v1/payouts \
       -u sk_test_BQokikJOvBiI2HlWgH4olfQ2: \
       -d amount=5000 \
       -d currency=usd
    
    # Set your secret key: remember to change this to your live secret key in production
    # See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.api_key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    payout = Stripe::Payout.create(
      :amount => 5000,
      :currency => "usd",
    )
    
    # Set your secret key: remember to change this to your live secret key in production
    # See your keys here: https://dashboard.stripe.com/account/apikeys
    stripe.api_key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    payout = stripe.Payout.create(
      amount=5000,
      currency="usd",
    )
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    \Stripe\Stripe::setApiKey("sk_test_BQokikJOvBiI2HlWgH4olfQ2");
    
    $payout = \Stripe\Payout::create(array(
      "amount" => 5000,
      "currency" => "usd",
    ));
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    Stripe.apiKey = "sk_test_BQokikJOvBiI2HlWgH4olfQ2";
    
    Map<String, Object> payoutParams = new HashMap<String, Object>();
    payoutParams.put("amount", 5000);
    payoutParams.put("currency", "usd");
    
    Payout payout = Payout.create(payoutParams);
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    var stripe = require("stripe")("sk_test_BQokikJOvBiI2HlWgH4olfQ2");
    
    stripe.payouts.create({
      amount: 5000,
      currency: "usd",
    }, function(err, payout) {
      // asynchronously called
    });
    
    // Set your secret key: remember to change this to your live secret key in production
    // See your keys here: https://dashboard.stripe.com/account/apikeys
    stripe.Key = "sk_test_BQokikJOvBiI2HlWgH4olfQ2"
    
    p, err := payout.New(&stripe.PayoutParams{
      Amount: 5000,
      Currency: "usd",
    })
    

    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 25.00 CHF
    • NOK, DKK, and SEK bank accounts have a minimum payout of 20.00kr
    • MXN bank accounts have a minimum payout of 10.00 MXN

    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 instance, if you receive $100 in payments but refund $200 of prior payments, your account balance would be -$100. If no further payments are received 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 payouts that are required.

    Payout failures

    If your bank account cannot receive a payout for any reason, your bank returns the funds to us. It can take up to additional five business days for your bank to return the payout and inform us that it has failed. Should this occur, you are 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. Once done, Stripe automatically attempts the payout again.

    It’s important to make sure that the bank account information you provide is correct. If it is not (e.g., a typo in the account number), it is possible for payouts to be sent to another bank account holder. If you are certain that your banking details are correct, or have been in contact with your bank to resolve any issues that might have occured at their end, you can resume payouts by clicking “Resume Payouts”.

    Payouts can fail for a number of reasons, but the ones listed below make up the majority of those that might occur. If you have not received a payout from Stripe, nor have you been notified that it has failed after a suitable amount of time, please get in touch.

    Type of failure Explanation Suggested Solution
    Account closed Your bank informed us that the account associated with your bank account details was closed. Update your bank account details in the Dashboard with the latest information.
    Account frozen Your bank notified us that the funds in your account are currently frozen. Contact your bank to resolve the issue. You can then retry the payout from the Dashboard. Alternatively, update your bank account to one that is valid and working.
    Bank account restricted Your bank has placed restrictions on your account that prevent payouts from being made. This can occur if you are using a savings or other non-standard bank account. Contact your bank to resolve the issue. You can then retry the payout from the Dashboard. Alternatively, update your bank account to one that is valid and working.
    Bank ownership changed Your bank account information has changed because your bank's branch was bought by another bank. Update your bank account in the Dashboard to one that is valid and working.
    Could not process Something unexpected went wrong and your bank was unable to process the payout. Contact your bank to resolve the issue. You can then retry the payout from the Dashboard. Alternatively, update your bank account to one that is valid and working.
    Debit not authorized Your bank account prevented Stripe from performing a negative payout against your bank account. Contact your bank to make sure both credit and debit payouts are allowed on your bank account. Once you do so, you can retry the payout from the Dashboard. Alternatively, update your bank account to another that allows both credit and debit payouts.
    Insufficient funds Your bank account did not have enough money for a negative payout we tried to make against it. Make sure there are enough funds in your bank account and then retry your payout from the Dashboard. You can also update your bank account to another checking account.
    Invalid account number Your bank has informed us that the account number is not valid. Update your bank account in the Dashboard to one that is valid and working.
    Invalid currency Your bank is not set up to process payouts in the given settlement currency. The settlement currency of your bank account must match that of the payout being sent to it (i.e., a USD payout must be sent to a USD-denominated bank account). Update your bank account in the Dashboard to one that can accept payouts in the same settlement currency that they are created for.
    No account No bank account could be found with the details provided. This occurs if incorrect information has been provided. Update your bank account in the Dashboard to one that is valid and working.