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

Payout availability depends on a number of factors such as the industry and country you’re operating in, and the risks involved. When you start processing live payments from your customers with Stripe, you will not receive your first payout until 7–10 days after your first successful payment is received. The first payout usually takes a little longer in order to establish the Stripe account. Subsequent payouts are then processed 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

Your bank account information is required when activating your account. 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.

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. Click the Edit button next to the desired bank account to modify your banking information.

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 public beta, or in private beta

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 calendar days from a payment being received to it being paid out for Stripe accounts on a 7 calendar day 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.

Standard payout timing

• 2 business day

  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 Friday are paid out by Tuesday.

  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 calendar day schedule would apply instead. This delay protects your business, customers, and Stripe from the increased risk of fraudulent activity.

• 4 business day

  Applies to: New Zealand

  Payouts are made daily and contain payments processed four business days prior. For example, payments received on a Monday are paid out by Friday.

• 5 business day

  Applies to: Malaysia

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

• 7 calendar day

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

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

• 30 calendar day

  Applies to: Brazil

  Payouts are made daily and contain payments processed thirty calendar days prior. For example, payments received on July 1st would be paid out on July 31st.

• Japan 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 between the 29th and 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 two business day daily payout schedule, it still takes two business days for your pending balance to become available. For instance, if a Stripe account changes from two business 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. Manual payouts are available in all regions except Brazil, where payouts are always automatic. 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_4eC39HqLyjWDarjtT1zdp7dc: \
-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_4eC39HqLyjWDarjtT1zdp7dc'

  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_4eC39HqLyjWDarjtT1zdp7dc'

  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_4eC39HqLyjWDarjtT1zdp7dc');

  $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.apiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc";

  Map<String, Object> params = new HashMap<>();
  params.put("amount", 5000);
  params.put("currency", "usd");
  Payout payout = Payout.create(params);

  // 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
const stripe = require('stripe')('sk_test_4eC39HqLyjWDarjtT1zdp7dc');

  (async () => {
    const payout = await stripe.payouts.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.Key = "sk_test_4eC39HqLyjWDarjtT1zdp7dc"

  params := &stripe.PayoutParams{
      Amount: stripe.Int64(5000),
      Currency: stripe.String(string(stripe.CurrencyUSD)),
  }
  pay, _ := payout.New(params)

  // 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
StripeConfiguration.ApiKey = "sk_test_4eC39HqLyjWDarjtT1zdp7dc";

  var options = new PayoutCreateOptions {
      Amount = 5000,
      Currency = "usd",
  };
  var service = new PayoutService();
  Payout payout = service.Create(options);

Instant Payouts

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

Eligibility

Stripe determines your Instant Payouts eligibility. You can check your eligibility by logging into the dashboard and checking for the Pay out funds instantly button on the Balance page.

New Stripe users are not immediately eligible for Instant Payouts. If you’re not eligible for Instant Payouts, you can request access here.

Managing debit cards

If you are eligible for Instant Payouts, you’ll need to add a debit card to your Stripe account. You can do this in the External payout accounts and scheduling section in the Settings tab in the dashboard. Your debit card must support Instant Payouts - you can check which banks support Instant Payouts.

You can also edit and remove debit cards in the Dashboard. For security reasons, you must remove and re-add a debit card if you need to edit any card details.

Creating an Instant Payout

After you add a debit card to your account, you can check your available balance in the dashboard and create an Instant Payout. Stripe assesses a fee on each Instant Payout, and this fee is reflected in the dashboard. More details can be found on the pricing page.

You can also create an instant payout in the API. First, you should check your balance available to pay out instantly with the Balances API:

curl https://api.stripe.com/v1/balance \
  -u sk_test_4eC39HqLyjWDarjtT1zdp7dc:

The response contains an instant_available balance representing the amount you can pay out instantly:

{
  "object": "balance",
  "instant_available": [
    {
      "amount": 10000,
      "currency": "usd",
      "source_types": {
        "card": 10000
      }
  ]
}

To create an Instant Payout, specify instant for the method property when creating the payout. Be sure to also specify the destination attribute in order to send the payout to your debit card:

curl https://api.stripe.com/v1/payouts \
  -u {API_SECRET_KEY}: \
  -d amount=1000 \
  -d currency=usd \
  -d method=instant \
  -d destination=card_xyz

Stripe.api_key = API_SECRET_KEY
payout = Stripe::Payout.create(
  {
    amount: 1000,
    currency: 'usd',
    method: 'instant',
    destination: 'card_xyz',
  },
)

stripe.api_key = API_SECRET_KEY
payout = stripe.Payout.create(
  amount=1000,
  currency='usd',
  method='instant',
  destination='card_xyz',
)

\Stripe\Stripe::setApiKey(API_SECRET_KEY);
$payout = \Stripe\Payout::create(
  [
    'amount' => 1000,
    'currency' => 'usd',
    'method' => 'instant',
    'destination' => 'card_xyz',
  ],
);

Stripe.apiKey = API_SECRET_KEY;

Map<String, Object> payoutParams = new HashMap<String, Object>();
payoutParams.put("amount", 1000);
payoutParams.put("currency", "usd");
payoutParams.put("method", "instant");
payoutParams.put("destination", "card_xyz");

Payout payout = Payout.create(payoutParams);

const stripe = require('stripe')(API_SECRET_KEY);
stripe.payouts.create(
  {
    amount: 1000,
    currency: 'usd',
    method: 'instant',
    destination: 'card_xyz',
  },
);

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 20.00kr
• 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 sends the funds back to us. We then return an error that describes 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 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. After you re-enter your bank account details, Stripe attempts to perform the payout again at the next scheduled payout interval.

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 occurred at their end, you can resume payouts by clicking “Resume Payouts”. If you have still 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.