Receiving payouts

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

Payout availability can vary based on the industry and country you’re operating in. In most cases, 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. The first payout may take longer for a number of reasons, including your country or being in a high-risk industry. 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 you expect to receive them 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 you need to provide for each country.

Updating your bank account information

You can update your account details or add a new bank account at any time in the payout settings of your Dashboard, which you can access by clicking Settings in the navigation sidebar and then External payout 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 pay out to banks in select alternative currencies, or pay out to non-domestic bank accounts in the local currency, for a fee. To learn more about presenting and settling in alternative currencies, see alternative currencies.

In some cases, Stripe supports international currencies that don’t incur a fee. See the table below for the list of supported free currencies per country:

Acquiring fees, where applicable, are 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 can add one bank account per supported settlement currency. If you use multiple bank accounts, you must select a default settlement currency, which you can change at any time.

Charges that are presented in any enabled settlement currency settle without currency conversion. However, payments presented in a currency that you haven’t configured an additional bank account for automatically convert 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) are automatically 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 Stripe sends money to your bank account.

In supported countries, your default payout schedule is daily automatic. 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 or month that you want payouts to 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.

Certain countries have restrictions on payout schedules:

• In Brazil and India, payouts are always automatic and daily.
• In Japan, daily payouts are not available.

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 your funds are paid out on (for example, 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 land 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’re on a manual payout schedule, your Stripe balance will be available to payout within 3 business days from the time you captured a payment; if you’re 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. The type of business and the country you’re in can also affect payout timing.

Accelerated Payout Speeds in Europe and Canada

Stripe now offers accelerated payout speeds for users and connected accounts where Stripe manages fraud and dispute liability in Europe and Canada, with funds available within 3 business days. After meeting certain criteria based on risk and history with Stripe, users in Europe and Canada are 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. Accounts where you manage fraud and dispute liability can be configured separately. Some high risk industries may not be eligible.

Payout speed by country

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

Delay behavior per account country

As the platform, you can set delay_days on your connected accounts. The delay applies as a business day or calendar day delay based on the country of the connected account. The following table shows which countries apply the delay by business or calendar day.

Instant Payouts

With Instant Payouts, you can instantly send funds to a supported debit card or bank account. You can request Instant Payouts any time, 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

The minimum payout amount depends on the lowest amount we can support with our banking partners. For example, in the US, the minimum payout is one cent (or 0.01 US dollar), whereas in Singapore the minimum payout is one Singapore dollar. The following table highlights exceptions to this rule. If your available account balance is less than the minimum payout amount, it remains in your Stripe account until your balance increases.

If you’re in a supported country, you can use alternative currency payouts to send a payout to your local bank accounts in a foreign currency. For example, a French user can now receive a USD payout in their French bank account instead of having to pay for multiple currency exchanges.

Cross-border minimum payout amounts

Cross-border minimum payout amounts are typically one base unit of the local currency in the recipient country’s currency, except where noted in the following table.

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 will send the funds back to us. This returns an error with the reason for the failure. It can take up to 5 additional business days for your bank to return the payout and inform us that it 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 will attempt to perform the payout again at the next scheduled payout interval.

Ensure that the bank account information you provide is correct as Stripe will send the funds using the account information you have entered. Therefore, if incorrect information is provided (e.g. a typo is made in the account number or an incorrect routing number is provided), Stripe may send payouts to the wrong bank account holder and Stripe may not be able to recover the funds. Additionally, you will be responsible for any fees or losses that are incurred due to incorrect information provided. If you’re certain that your banking details are correct and the payout has failed for other reasons, please contact your bank. If you 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 after clicking Resume Payouts and have not been notified that it’s failed after a suitable amount of time, please contact us.