Instant Payouts

With Instant Payouts, you can instantly send funds to a supported debit card (in Canada, Singapore, and the United States) or to a supported bank account (in the United Kingdom). You can request Instant Payouts any day or time, 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 in the Dashboard here. Instant Payouts are generally available in Singapore, Canada, the United Kingdom, and the United States. If your account is based in a different country but you want access to Instant Payouts, you can contact us.

Adding and managing debit cards (U.S., Canada & Singapore)

If your account is 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 add back a debit card if you need to edit any card details.

Adding and managing bank accounts (UK)

Eligible Stripe users in the UK can use Instant Payouts with a bank account. 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.

Very infrequently, the first Instant Payout to a new bank account can be selected for routine review. In this case, all subsequent Instant Payouts to this account are also delayed until the review on the first Instant Payout completes. After the first Instant Payout has been processed and cleared, you can expect future Instant Payouts to have no further issues. If any subsequent Instant Payouts are delayed, please contact us.

Instant Payouts are generally available for direct users in the UK.

Bank support for Instant Payouts

Creating an Instant Payout

After you link a supported debit card or bank account 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. You can find more details on the pricing page.

You can also create an Instant Payout in the API. First check your available balance 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:

curl https://api.stripe.com/v1/payouts \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc
: \
  -d "amount"=1000 \
  -d "currency"="usd" \
  -d "method"="instant" \
  -d "destination"="card_xyz"

Instant Payouts for Connect Platforms

With Instant Payouts, you can immediately send funds to a connected account’s debit card or bank account. You can request Instant any day or time, including weekends and holidays, and funds typically appear in the associated bank account within 30 minutes.

Coverage

Instant Payouts are generally available in Canada, Singapore, the United Kingdom, and the United States. If your platform account is based in a different country but you want to access Instant Payouts for Connected Accounts based in these countries, you can contact us.

Compatibility

You must add a supported debit card or supported bank account to the connected account to use Instant Payouts. When you add a card or a bank account to an account, Stripe returns the available_payout_methods property in the response, which contains the set of payout methods Stripe supports for that external account. Only pass values in this set as the method when creating a payout.

{
  "id": "card_9CUH5DBY1jTgQ0",
  "object": "card",
  ...
  "account": "acct_1032D82eZvKYlo2C",
  "available_payout_methods": ["standard", "instant"],
}

When using debit cards as a payout destination, the following restrictions apply:

Also, Stripe can’t perform a negative payout against a debit card to correct a negative Stripe account balance.

Creating an Instant Payout

To use Instant Payouts, specify instant for the method property when creating the payout:

curl https://api.stripe.com/v1/payouts \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc
: \
  -H "Stripe-Account: {{CONNECTED_STRIPE_ACCOUNT_ID}}" \
  -d "amount"=1000 \
  -d "currency"="usd" \
  -d "method"="instant"

Initially, platforms can pay out up to 5,000 USD per day—in total, across all connected accounts—through Instant Payouts. Each day resets at 12am CST. Contact us if you need to increase this threshold.