Stripe Treasury integrates with banking partners and payment networks which each have varying processing and cutoff times.
OutboundPayment and OutboundTransfer transactions
Evolve Bank & Trust
- Default Speed: 6pm central time (CST/CDT)
- Same Day speed: 11am central time (CST/CDT)
us_domestic_wirecutoff: 3pm central time (CST/CDT)
|Submission date||Arrival date (by end of business day)|
Requests that are received after the cutoff times are processed the following business day. Default speed requests that are received after the cutoff times are processed the following business day. Same Day ACH requests received after cut off time arrive the following business day by end of day.
Evolve Bank & Trust
|Submission date, before 6pm central time (CST/CDT)||Available at approximately 10am central time (CST/CDT)|
ReceivedCredit and ReceivedDebit transactions
Credits and debits initiated from outside Stripe and received on a financial account are processed as soon as Stripe receives notification of the transfer. The time it takes to complete the transfer depends on the originating institution.
|Available same day or next business day depending on originating institution.|
|Depends on originating institution.|
|Transfers using the |
|Card transaction are typically captured within 24 hours of authorization approval; however, some companies can capture funds for up to 30 days after authorization. See Issuing transactions.|
All platforms using Treasury have access to standard automatic payouts, which move money from Stripe Payments to a Treasury financial account on a T+2 or slower schedule from the time of transaction (T+2 for card payments, slower for ACH).
You can request a platform risk review to access faster payouts; upon approval, your platform can use T+1 and T+0 automatic payouts for connected accounts. T+1 and T+0 faster payout schedules apply to all payment types, including both card payments and ACH payments, and the timelines start when the transaction occurs (faster payouts eliminate the need to wait for standard payments fund settlement times).
Contact firstname.lastname@example.org if you want to request access to faster payouts for your platform.
For more details, see the Automatic payouts guide.
Platforms using Treasury also have access to standard manual payouts, which move funds in one business day (T+1 schedule) but can only draw on an account’s
available payments balance. In other words, you must wait for funds from a payment to settle in the payments balance before initiating a standard manual payout to a Treasury financial account.
Platforms granted access to faster payouts also have ‘instant’ manual payouts available, which move funds to a connected account’s financial account within an hour (T+0 schedule) and are available anytime, including nights, weekends, and holidays. Instant manual payouts are drawn on a connected account’s
instant_available balance rather than being limited to the
For more details, see the Manual payouts guide.
Stripe Connect platform users can top up their existing Stripe platform account balance using a Stripe Treasury financial account by verifying the routing and account numbers. These funds settle to your account balance according to the Top ups settlement timing.
See Adding funds to your platform balance for more details.
Same Day ACH regulations
ACH transactions are regulated by NACHA. Consider the following when using Same Day ACH:
- Individual Same Day ACH transactions don’t exceed 1,000,000 USD.
- Payments made to a single entity for a single purpose (such as vendor payment) aren’t divided to exceed the 1,000,000 USD limit per transaction. If this happens, Stripe remits the funds exceeding the limit the following day.
- Payments to different parties for different purposes can exceed 1,000,000 USD if they’re divided across separate transactions.