Balance transactions are our recommended starting point for reporting on your account’s balance activity. They are created for every type of transaction that comes into, or flows out of, your Stripe account’s balance.
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. The status attribute on balance transactions indicates the type of the balance.
If you are looking to classify transactions for accounting purposes, you might want to consider
reporting_category instead of the
Balance transaction source
Balance transactions include a source field which contains the ID of the related Stripe object.
The API can be used to retrieve additional information about the payment activity that caused the Balance transaction to be created. Using Sigma, you can also join the
balance_transactions table with other tables using the
Balance transaction types
Balance transaction types can be grouped into different groups based on the underlying activity that generated the balance transactions. If you are not using the Connect or Issuing APIs, your balance transactions will be in the first two groups (“related to charges and payments” or “related to Stripe balance changes”).
Balance transaction types related to charges and payments
These balance transaction types are related to creating and refunding charges as part of processing payments.
Created when a credit card charge is created successfully.
Created when an alternative payment method charge is created successfully.
ACH, direct debit, and other asynchronous payment methods remain in a pending state until they either succeed or fail. You will see a pending Balance transaction with the type
Created when an alternative payment method refund is initiated.
Additionally, if your customer’s bank or card issuer is unable to correctly process a refund (e.g., due to a closed bank account or a problem with the card) Stripe returns the funds to your balance. The returned funds are represented as a Balance transaction with the type
Created when a credit card charge refund is initiated.
Note that if you are separately authorizing and capturing and capture an amount less than the initial authorization, you will see a balance transaction with the type
Created when a credit card charge refund fails, and Stripe returns the funds to your balance.
This may occur if your customer’s bank or card issuer is unable to correctly process a refund (e.g., due to a closed bank account or a problem with the card).
Balance transaction types related to Stripe balance changes
These balance transaction types are related to changes that affect your Stripe balance such as payouts, fees and top-ups.
Adjustments correspond to additions or deductions from your Stripe balance that are made outside of the normal charge/refund flow. For example, some of the most common reasons for adjustments are:
Funds moving into a balance (e.g. Issuing balance) from another balance (e.g. Stripe balance)
Reversal of a balance_transfer_inbound in case of an unrecoverable failure.
Funds moving from your Stripe balance to a different (e.g. Issuing) balance.
Reversal of a balance_transfer_outbound in case of an unrecoverable failure.
Payouts from your Stripe balance to your bank account.
Created when a payout to your bank account is cancelled and the funds are returned to your Stripe balance.
Created when a payout to your bank account fails and the funds are returned to your Stripe balance.
When Stripe holds your funds in reserve to mitigate risk, two balance transactions are created: one to debit the funds from your balance, and a second to credit the funds back to your balance at the end of the reserve period.
Stripe currency conversion fee
Taxes collected by Stripe to be remitted to the appropriate local governments. Typically, this is a tax on Stripe fees.
Funds you transferred into your Stripe balance from your bank account. Learn more.
If an initially successful top-up fails or is cancelled, the credit to your Stripe balance is reversed. Learn more.
Balance transaction types related to Issuing
These balance transaction types are created as part of using the Issuing API.
When an issued card is used to make a purchase, an authorization is created. If the authorization is approved, a balance transaction is created with the type
When an authorized purchase, made with an issued card, is captured by the merchant, the funds previously held for the authorization (
When an authorized purchase, made with an issued card, has been authorized and captured by the merchant, an issuing transaction is created, and the purchase amount is deducted from your Stripe balance with a
Balance transaction types related to Connect
Incrementing available funds for instant payouts. This occurs when you create an instant payout and the requested payout amount is greater than your connected account’s available balance. Funds are added to your available balance and removed from your pending balance to cover the difference.
Decrementing pending funds for instant payouts. This occurs when you create an instant payout and the requested payout amount is greater than your connected account’s available balance. Funds are added to your available balance and removed from your pending balance to cover the difference.
Platform fees that you have returned to your connected accounts.
If one of your connected accounts has a negative balance for 180 days, Stripe transfers a portion of your balance, to zero out that account’s balance. Learn more.
If one of your connected accounts’ balances becomes negative, Stripe temporarily reserves a portion of your balance to ensure that funds can be covered.
If one of your connected accounts’ previously negative balance becomes less negative due to activity on account, another
Funds sent from your balance to the balance of your connected accounts.
Transfers to your connected accounts that have been cancelled.
Transfers to your connected accounts that failed. Transfer failures add to your platform’s balance and subtract from the connected account’s balance.
Transfers to your connected accounts that you have reversed. Transfer reversals add to your platform’s balance and subtract from the connected account’s balance.
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