为您的平台嵌入金融服务

Stripe Financial Accounts lets you embed financial services in your marketplace or platform. With a single integration, enable your customers to hold funds, pay bills, earn cash back, and manage cash flow.

运作机制

Offer Financial Accounts

Stripe Financial Accounts for platforms (formerly Stripe Treasury) provides the modular components you need to build a full-featured, scalable financial product for your customers. We’ve partnered with banks to enable ACH and wire transfers, FDIC pass-through insurance-eligible accounts,* and faster access to payments funds,** all within your platform.

构建金融服务模块

const account = await stripe.accounts.create({ country: 'US', capabilities: { treasury: {requested: true}, issuing: {requested: true} } }); const treasury_account = await stripe.treasury.accounts.create({ account: account.token, currency: 'usd' });
const financial_account = await stripe.financial_account.retrieve({ id: 'fa_123', stripe_account: '{{CONNECTED_STRIPE_ACCOUNT_ID}}', }); //Financial Account Balances const availableBalance = financial_account.balance.cash; const inboundPendingBalance = financial_account.balance.inbound_pending; const outboundPendingBalance = financial_account.balance.outbound_pending;
await stripe.accounts.update( account.token, { payouts: { schedule: {delay_days: 0, interval: 'hourly'} } } ); await my_custom_event_handler( 'received_credits', (received_credit) =﹥ { await stripe.withdrawal.create({ description: 'Transfer 30% of credits to Capital repayment account', type: 'balance_transfer', account: treasury_account.token, amount: received_credit.amount * 0.30, currency: 'usd', payment_method_data: { account: capital_loan_account.token, } }); });
await stripe.issuing.cards.create({ currency: 'usd', type: 'physical', source_balance: treasury_account.token });

创建账户

仅需一次 API 请求即可创建账户对象。短短几分钟，便可完成用户注册、验证身份，并通过我们的银行伙伴快速开通账户。
  • 身份验证
  • 客户身份验证 (KYC) 检查
  • 制裁筛查
  • MATCH 列表检查

存储资金

建立资金存储池并配置金融产品的属性。
  • 联邦存款保险公司代管保险资格*
  • 赚取返现
  • 账号
  • 路径号码

资金转移

实现以多种方式将资金转入和转出账户。
  • 国内电汇
  • ACH 贷记和借记
  • 移动支票接受（即将推出）
  • 在线发送支票（即将推出）
  • 更快获取资金

关联支付卡

发行自定义支付卡，为用户提供多样化资金使用方式。
  • 品牌化实物和虚拟卡
  • 为电子钱包添加虚拟卡
  • 实物卡两个工作日内送达
  • 动态消费控制
  • 实时授权
  • 通过 ATM 获取资金

与值得信赖的银行合作伙伴携手打造

Stripe Financial Accounts for platforms is built in partnership with Fifth Third Bank to enable you to embed money management services in your platform. We’ve taken care of the up-front bank negotiations, compliance processes, and regulatory requirements. By combining Stripe’s technology, a streamlined setup, and the proven foundation of our bank partners, it’s frictionless to get started and effortless to scale.

软件平台

Stripe Financial Accounts

  • 无阻的用户入驻体验
  • 账户具有联邦存款保险公司代管保险资格*
  • 更快获取资金**
  • 预构建工作流程
  • 可靠的合规和风险管理
  • 全球资金流动

银行合作伙伴

使用案例

为您的客户提供精准的解决方案

With Stripe Financial Accounts, platforms can create a simple stored-value account, a full-featured financial account, and anything in between. It’s straightforward to add capabilities, so you can experiment and iterate to build the best product for your customers. Launch quickly, increase engagement, and create new lines of revenue for your platform.

金融账户

创建一个符合 FDIC 转存保险条件的账户*，该账户可让您的平台客户获得现金返现，支持远程支票存入，以及支持通过 ACH 和电汇方式向承包商与供应商付款。

开环钱包

创建一个简单的储值账户，可以通过支付或转账进行充值，并用于在您的平台内外进行消费。

提现卡

通过储值账户为按需工作者支付报酬，让他们可立即获取收益。创建一个支付卡，并用 Stripe Issuing 关联到账户。

产品操作账户

为按需工作者发放银行卡，供其完成现场购买并履行订单。为每张卡设立余额，并添加消费限额，以更好地管理运营。

有其他想法？

联系我们，我们将与您共同探讨，为您的客户量身打造合适的金融产品。

案例研究

Shopify uses Stripe Financial Accounts to power Shopify Balance

Shopify 是一家领先的全球商业企业，为各种规模的零售公司提供可靠的启动、发展、营销及管理工具。利用 Shopify Balance，商家可以获得一个一站式方案来管理资金、支付账单并跟踪支出。这让他们更容易获得金融产品，更好地控制自己的财务。

挑战

处理银行和金融事务是业务运营的关键部分，然而，当前许多银行服务并非专门针对独立商家的需求而设计。

解决方案

Shopify Balance offers Shopify merchants a fast, simple, and integrated way to manage their funds. Built on Stripe Financial Accounts, Shopify Balance enables merchants to obtain key financial products and oversee their finances—all within Shopify.

产品

Stripe Financial Accounts gives us the flexibility to customize Shopify Balance specifically for our merchants. By building across Stripe’s payments and embedded finance infrastructure, we’ve been able to give Shopify merchants access to critical financial products that meet their needs, like faster access to funds and rewards, helping them further grow their businesses.

Tui Allen，Shopify 银行产品高级主管

全面集成

为您的客户创造更好的 Stripe 体验

一旦您集成了 Stripe Connect，就可以快速让用户登录您的新产品，并依靠 Stripe 的全球基础设施来促进账户之间更快的资金流动。

无缝注册和验证

Stripe Financial Accounts for platforms relies on the same proven workflows as Connect to quickly get users up and running. Stripe handles identity verification to meet KYC and compliance requirements, all while optimizing conversion.

更快地获取收入

Stripe Financial Accounts integrates with Stripe Payments to give you greater control over the speed of funds on your platform. With Stripe, you can facilitate faster money movement to let your customers more quickly access their funds.

为客户提供更智能的服务

Stripe Capital provides platforms with an end-to-end business financing API that enables you to provide access to financing to help your customers grow their businesses. When paired with Stripe Financial Accounts for platforms, you’ll get a more complete picture of your customers’ financial profile, making it easier for your customers to obtain the right size funding, at the right time.

准备好开始了？联系我们的团队。

通过单一集成，让您的客户能够保管资金、支付账单、赚取返现并管理现金流。

创建并管理银行卡

为用户发放和管理实物卡和虚拟消费卡。

扩充资金

帮助客户获取所需资金，以快速灵活的借款方式加速其增长。

*Stripe Financial Accounts is eligible for FDIC pass-through deposit insurance if it meets certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category. Stripe is not a federally insured deposit institution. FDIC insurance applies only in the event of the failure of an FDIC-insured bank.

**Faster Funds eligibility is subject to approval by Stripe.

Stripe Financial Accounts is provided in the US by Stripe Payments Company, licensed money transmitter, with funds held at Stripe's bank partners, Members FDIC. Card and other credit products are provided by Celtic Bank and serviced by Stripe, Inc. and its affiliate Stripe Servicing, Inc.