Receiving payouts
In order for you to receive funds, Stripe (or your platform) makes payouts to your bank account.
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 won’t receive your first payout until 7–14 days after receiving your first successful payment. The first payout usually takes a little longer in order to establish the Stripe account. 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 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
Activating your account requires your bank account information. 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 they support payouts with 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. If 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.
You can add one bank account per supported settlement currency. 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 depends on your country and whether your business operates in a higher-risk industry.
When a payment is first received, it’s 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 receive them, 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 available. A 14 calendar day schedule might apply to your business instead. This delay protects your business, customers, and Stripe from the increased risk of chargebacks and potential cancellations.
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 five business days prior. For example, payments received on a Monday are paid out by the following Monday.
7 business day
Applies to: India
Payouts are made daily and contain payments processed seven business days prior. For example, payments received on a Monday are paid out by the following Wednesday.
7 calendar day
Applies to: All countries (except Japan and businesses in higher-risk industries)
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.
14 calendar day
Applies to: High-risk businesses
Payouts are made daily and contain payments processed fourteen calendar days prior. For example, payments received on June 1st would be paid out on June 15th.
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 up to 4 business days prior.
JCB, Diners Club, and Discover payments are available for payout after 30 calendar days, instead of 4 business days.
Alternative payout schedules
If you prefer payouts on a fixed schedule, you can choose to receive them 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 of these doesn’t change how long it takes your pending balance to become available. If your account was operating on a two business day daily payout schedule, it still takes two business days for your pending balance to become available. For example, 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. You can do this either in the Payouts section of the Dashboard or by creating payouts using the API.
Manual payouts are available in all regions except Brazil, where payouts are always automatic.
Instant Payouts
With Instant Payouts, you can instantly send funds to a supported debit card or bank account. You can request Instant Payouts 24/7, including weekends and holidays, and funds typically appear in the associated bank account within 30 minutes.
Eligibility
New Stripe users aren’t immediately eligible for Instant Payouts. You can check your eligibility here.
Managing debit cards (U.S., Canada & Singapore)
If you are eligible for Instant Payouts, you’ll need to add a debit card to your Stripe account. Use 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.
Managing bank accounts (UK)
Eligible Stripe users in the UK can use Instant Payouts with a bank account (beta). Use the External payout accounts and scheduling section in the Settings tab in the Dashboard to manage bank accounts. Your bank account must support Instant Payouts - you can check which banks support Instant Payouts.
Creating an Instant Payout
Once you have a supported debit card or bank account linked 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, which 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 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. Use the destination attribute to specify the debit card or bank account to send the payout to:
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 20.00 kr
- MXN bank accounts have a minimum payout of 10.00 MXN
- MYR bank accounts have a minimum payout of 5.00 MYR
- SGD bank accounts have a minimum payout of 1.00 SGD
- PLN bank accounts have a minimum payout of 5.00 PLN
- CZK bank accounts have a minimum payout of 30.00 CZK
- RON bank accounts have a minimum payout of 5.00 RON
- BGN bank accounts have a minimum payout of 2.00 BGN
- HUF bank accounts have a minimum payout of 360.00 HUF
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 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 sends the funds back to us. This returns an error with 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’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 attempts to perform the payout again at the next scheduled payout interval.
When a payout fails, it’s possible that its state initially shows as paid but then changes to failed (within 5 business days).
Make sure that the bank account information you provide is correct. If it’s not (e.g., a typo in the account number), it’s possible to send payouts to another bank account holder. If you’re certain that your banking details are correct, or 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, nor been notified that it’s failed after a suitable amount of time, please get in touch.