Receiving Payouts

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.

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

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");

var payout = 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.