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 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 in the Dashboard here. Instant Payouts is generally available in Singapore, Canada, the United Kingdom, and the United States. If your account is based in a different country but you would like to get access to Instant Payouts, please get in touch.

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 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. 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.

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

Bank support for Instant Payouts

See supported banks for:

Stripe supports Instant Payouts for eligible users in the United States. Most U.S. banks issue debit cards are compatible with Instant Payouts.

Click on the sections below to see if your account’s bank supports Instant Payouts for its debit cards:

Supports Instant Payouts for all of its debit cards

Supports Instant Payouts for some of its debit cards

Does not 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:

Terminal

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:

Terminal

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 Payouts 24/7, including weekends and holidays, and funds typically appear in the associated bank account within 30 minutes.

Coverage

Instant Payouts is generally available in Canada, Singapore, the United Kingdom, and the United States. If your platform account is based in a different country but you would like to get access to Instant Payouts for Connected Accounts based in these countries, please get in touch.

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 values in this set should be passed as the method when creating a payout.

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

Creating an Instant Payout

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

Terminal

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.

Before going live with Instant Payouts, we highly recommend reviewing our best practices for mitigating fraud risks. Meeting these requirements can help prevent losses from bad actors. Consider rolling out to your users by setting trust thresholds like minimum processing volume, days active, and chargeback rate.