Stripe Documentation

The FinancialAccount object ​

Attributes ​

  • id (string) Unique identifier for the object.

  • object (string) String representing the object’s type. Objects of the same type share the same value.

  • active_features (array of enums) The array of paths to active Features in the Features hash.

  • balance (object) The single multi-currency balance of the FinancialAccount. Positive values represent money that belongs to the user while negative values represent funds the user owes. Currently, FinancialAccounts can only carry balances in USD.

    • balance.cash (object) Funds the user can spend right now.

    • balance.inbound_pending (object) Funds not spendable yet, but will become available at a later time.

    • balance.outbound_pending (object) Funds in the account, but not spendable because they are being held for pending outbound flows.

  • country (string) Two-letter country code (ISO 3166-1 alpha-2).

  • created (timestamp) Time at which the object was created. Measured in seconds since the Unix epoch.

  • features (object, nullable, expandable (can be expanded into an object with the expand request parameter)) The features and their statuses for this FinancialAccount.

    • features.object (string) String representing the object’s type. Objects of the same type share the same value.

    • features.card_issuing (object, nullable) Contains a Feature encoding the FinancialAccount’s ability to be used with the Issuing product, including attaching cards to and drawing funds from.

      • features.card_issuing.requested (boolean) Whether the FinancialAccount should have the Feature.

      • features.card_issuing.status (enum) Whether the Feature is operational. Possible enum values:

        • active Indicates that the Feature might be used.

        • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

        • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

      • features.card_issuing.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

        • features.card_issuing.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

          • activating This Feature has met all other requirements and Stripe is in the process of making it active.

          • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

          • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

          • rejected_other The FinancialAccount is never allowed to use this Feature.

          • rejected_unsupported_business The user’s business isn’t supported by this Feature.

          • requirements_past_due Onboarding requirements needed to activate this Feature.

          • requirements_pending_verification Stripe is in the process of verifying the user.

          • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

          • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

        • features.card_issuing.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

          • contact_stripe The user should contact Stripe via support.stripe.com.

          • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

          • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

        • features.card_issuing.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

          • inbound_flows Restricts all inbound money movement.

          • outbound_flows Restricts all outbound money movement.

    • features.deposit_insurance (object, nullable) Represents whether this FinancialAccount is eligible for deposit insurance. Various factors determine the insurance amount.

      • features.deposit_insurance.requested (boolean) Whether the FinancialAccount should have the Feature.

      • features.deposit_insurance.status (enum) Whether the Feature is operational. Possible enum values:

        • active Indicates that the Feature might be used.

        • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

        • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

      • features.deposit_insurance.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

        • features.deposit_insurance.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

          • activating This Feature has met all other requirements and Stripe is in the process of making it active.

          • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

          • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

          • rejected_other The FinancialAccount is never allowed to use this Feature.

          • rejected_unsupported_business The user’s business isn’t supported by this Feature.

          • requirements_past_due Onboarding requirements needed to activate this Feature.

          • requirements_pending_verification Stripe is in the process of verifying the user.

          • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

          • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

        • features.deposit_insurance.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

          • contact_stripe The user should contact Stripe via support.stripe.com.

          • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

          • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

        • features.deposit_insurance.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

          • inbound_flows Restricts all inbound money movement.

          • outbound_flows Restricts all outbound money movement.

    • features.financial_addresses (object, nullable) Contains Features that add FinancialAddresses to the FinancialAccount.

      • features.financial_addresses.aba (object, nullable) Adds an ABA FinancialAddress to the FinancialAccount.

        • features.financial_addresses.aba.requested (boolean) Whether the FinancialAccount should have the Feature.

        • features.financial_addresses.aba.status (enum) Whether the Feature is operational. Possible enum values:

          • active Indicates that the Feature might be used.

          • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

          • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

        • features.financial_addresses.aba.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

          • features.financial_addresses.aba.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

            • activating This Feature has met all other requirements and Stripe is in the process of making it active.

            • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

            • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

            • rejected_other The FinancialAccount is never allowed to use this Feature.

            • rejected_unsupported_business The user’s business isn’t supported by this Feature.

            • requirements_past_due Onboarding requirements needed to activate this Feature.

            • requirements_pending_verification Stripe is in the process of verifying the user.

            • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

            • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

          • features.financial_addresses.aba.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

            • contact_stripe The user should contact Stripe via support.stripe.com.

            • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

            • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

          • features.financial_addresses.aba.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

            • inbound_flows Restricts all inbound money movement.

            • outbound_flows Restricts all outbound money movement.

    • features.inbound_transfers (object, nullable) Contains settings related to adding funds to a FinancialAccount from another Account with the same owner.

      • features.inbound_transfers.ach (object, nullable) Enables ACH Debits via the InboundTransfers API.

        • features.inbound_transfers.ach.requested (boolean) Whether the FinancialAccount should have the Feature.

        • features.inbound_transfers.ach.status (enum) Whether the Feature is operational. Possible enum values:

          • active Indicates that the Feature might be used.

          • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

          • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

        • features.inbound_transfers.ach.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

          • features.inbound_transfers.ach.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

            • activating This Feature has met all other requirements and Stripe is in the process of making it active.

            • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

            • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

            • rejected_other The FinancialAccount is never allowed to use this Feature.

            • rejected_unsupported_business The user’s business isn’t supported by this Feature.

            • requirements_past_due Onboarding requirements needed to activate this Feature.

            • requirements_pending_verification Stripe is in the process of verifying the user.

            • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

            • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

          • features.inbound_transfers.ach.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

            • contact_stripe The user should contact Stripe via support.stripe.com.

            • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

            • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

          • features.inbound_transfers.ach.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

            • inbound_flows Restricts all inbound money movement.

            • outbound_flows Restricts all outbound money movement.

    • features.intra_stripe_flows (object, nullable) Represents the ability for this FinancialAccount to send money to, or receive money from other FinancialAccounts (for example, via OutboundPayment).

      • features.intra_stripe_flows.requested (boolean) Whether the FinancialAccount should have the Feature.

      • features.intra_stripe_flows.status (enum) Whether the Feature is operational. Possible enum values:

        • active Indicates that the Feature might be used.

        • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

        • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

      • features.intra_stripe_flows.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

        • features.intra_stripe_flows.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

          • activating This Feature has met all other requirements and Stripe is in the process of making it active.

          • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

          • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

          • rejected_other The FinancialAccount is never allowed to use this Feature.

          • rejected_unsupported_business The user’s business isn’t supported by this Feature.

          • requirements_past_due Onboarding requirements needed to activate this Feature.

          • requirements_pending_verification Stripe is in the process of verifying the user.

          • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

          • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

        • features.intra_stripe_flows.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

          • contact_stripe The user should contact Stripe via support.stripe.com.

          • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

          • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

        • features.intra_stripe_flows.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

          • inbound_flows Restricts all inbound money movement.

          • outbound_flows Restricts all outbound money movement.

    • features.outbound_payments (object, nullable) Contains Features related to initiating money movement out of the FinancialAccount to someone else’s bucket of money.

      • features.outbound_payments.ach (object, nullable) Enables ACH transfers via the OutboundPayments API.

        • features.outbound_payments.ach.requested (boolean) Whether the FinancialAccount should have the Feature.

        • features.outbound_payments.ach.status (enum) Whether the Feature is operational. Possible enum values:

          • active Indicates that the Feature might be used.

          • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

          • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

        • features.outbound_payments.ach.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

          • features.outbound_payments.ach.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

            • activating This Feature has met all other requirements and Stripe is in the process of making it active.

            • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

            • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

            • rejected_other The FinancialAccount is never allowed to use this Feature.

            • rejected_unsupported_business The user’s business isn’t supported by this Feature.

            • requirements_past_due Onboarding requirements needed to activate this Feature.

            • requirements_pending_verification Stripe is in the process of verifying the user.

            • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

            • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

          • features.outbound_payments.ach.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

            • contact_stripe The user should contact Stripe via support.stripe.com.

            • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

            • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

          • features.outbound_payments.ach.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

            • inbound_flows Restricts all inbound money movement.

            • outbound_flows Restricts all outbound money movement.

      • features.outbound_payments.us_domestic_wire (object, nullable) Enables US domestic wire transfers via the OutboundPayments API.

        • features.outbound_payments.us_domestic_wire.requested (boolean) Whether the FinancialAccount should have the Feature.

        • features.outbound_payments.us_domestic_wire.status (enum) Whether the Feature is operational. Possible enum values:

          • active Indicates that the Feature might be used.

          • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

          • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

        • features.outbound_payments.us_domestic_wire.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

          • features.outbound_payments.us_domestic_wire.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

            • activating This Feature has met all other requirements and Stripe is in the process of making it active.

            • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

            • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

            • rejected_other The FinancialAccount is never allowed to use this Feature.

            • rejected_unsupported_business The user’s business isn’t supported by this Feature.

            • requirements_past_due Onboarding requirements needed to activate this Feature.

            • requirements_pending_verification Stripe is in the process of verifying the user.

            • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

            • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

          • features.outbound_payments.us_domestic_wire.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

            • contact_stripe The user should contact Stripe via support.stripe.com.

            • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

            • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

          • features.outbound_payments.us_domestic_wire.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

            • inbound_flows Restricts all inbound money movement.

            • outbound_flows Restricts all outbound money movement.

    • features.outbound_transfers (object, nullable) Contains a Feature and settings related to moving money out of the FinancialAccount into another Account with the same owner.

      • features.outbound_transfers.ach (object, nullable) Enables ACH transfers via the OutboundTransfers API.

        • features.outbound_transfers.ach.requested (boolean) Whether the FinancialAccount should have the Feature.

        • features.outbound_transfers.ach.status (enum) Whether the Feature is operational. Possible enum values:

          • active Indicates that the Feature might be used.

          • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

          • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

        • features.outbound_transfers.ach.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

          • features.outbound_transfers.ach.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

            • activating This Feature has met all other requirements and Stripe is in the process of making it active.

            • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

            • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

            • rejected_other The FinancialAccount is never allowed to use this Feature.

            • rejected_unsupported_business The user’s business isn’t supported by this Feature.

            • requirements_past_due Onboarding requirements needed to activate this Feature.

            • requirements_pending_verification Stripe is in the process of verifying the user.

            • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

            • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

          • features.outbound_transfers.ach.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

            • contact_stripe The user should contact Stripe via support.stripe.com.

            • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

            • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

          • features.outbound_transfers.ach.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

            • inbound_flows Restricts all inbound money movement.

            • outbound_flows Restricts all outbound money movement.

      • features.outbound_transfers.us_domestic_wire (object, nullable) Enables US domestic wire transfers via the OutboundTransfers API.

        • features.outbound_transfers.us_domestic_wire.requested (boolean) Whether the FinancialAccount should have the Feature.

        • features.outbound_transfers.us_domestic_wire.status (enum) Whether the Feature is operational. Possible enum values:

          • active Indicates that the Feature might be used.

          • pending Indicates that the Feature can’t be used but that the status eventually changes to either restricted or active without user intervention.

          • restricted Indicates that the Feature can’t be used and either requires some action by the user or is permanently disabled.

        • features.outbound_transfers.us_domestic_wire.status_details (array of objects) Additional details; includes at least one entry when the status is not active.

          • features.outbound_transfers.us_domestic_wire.status_details.code (enum) Represents the reason why the status is pending or restricted. Possible enum values:

            • activating This Feature has met all other requirements and Stripe is in the process of making it active.

            • capability_not_requested The user hasn’t requested required capabilities to activate this Feature.

            • financial_account_closed The FinancialAccount that this Feature is attached to is closed.

            • rejected_other The FinancialAccount is never allowed to use this Feature.

            • rejected_unsupported_business The user’s business isn’t supported by this Feature.

            • requirements_past_due Onboarding requirements needed to activate this Feature.

            • requirements_pending_verification Stripe is in the process of verifying the user.

            • restricted_by_platform Some or all functionality of this Feature has been restricted by the platform via FinancialAccount platform_restritions.

            • restricted_other The FinancialAccount isn’t currently allowed to use this Feature.

          • features.outbound_transfers.us_domestic_wire.status_details.resolution (enum, nullable) Represents what the user should do, if anything, to activate the Feature. Possible enum values:

            • contact_stripe The user should contact Stripe via support.stripe.com.

            • provide_information The user should provide necessary onboarding requirements through /v1/accounts or the Stripe Dashboard.

            • remove_restriction The user should remove the restriction on the Feature by unrestricting the FinancialAccount platform_restritions indicated by the status_details.restriction field.

          • features.outbound_transfers.us_domestic_wire.status_details.restriction (enum, nullable) The platform_restrictions that are restricting this Feature. Possible enum values:

            • inbound_flows Restricts all inbound money movement.

            • outbound_flows Restricts all outbound money movement.

  • financial_addresses (array of objects) The set of credentials that resolve to a FinancialAccount.

    • financial_addresses.aba (object, nullable) Identifying information for the ABA address

      • financial_addresses.aba.account_holder_name (string) The name of the person or business that owns the bank account.

      • financial_addresses.aba.account_number (string, nullable, expandable (can be expanded into an object with the expand request parameter)) The account number.

      • financial_addresses.aba.account_number_last4 (string) The last four characters of the account number.

      • financial_addresses.aba.bank_name (string) Name of the bank.

      • financial_addresses.aba.routing_number (string) Routing number for the account.

    • financial_addresses.supported_networks (array of enums, nullable) The list of networks that the address supports

    • financial_addresses.type (enum) The type of financial address

  • livemode (boolean) If the object exists in live mode, the value is true. If the object exists in test mode, the value is false.

  • metadata (object, nullable) Set of key-value pairs that you can attach to an object. This can be useful for storing additional information about the object in a structured format.

  • nickname (string, nullable) The nickname for the FinancialAccount.

  • pending_features (array of enums) The array of paths to pending Features in the Features hash.

  • platform_restrictions (object, nullable) The set of functionalities that the platform can restrict on the FinancialAccount.

    • platform_restrictions.inbound_flows (enum, nullable) Restricts all inbound money movement. Possible enum values:

      • restricted The functionality is restricted.

      • unrestricted The functionality is not restricted.

    • platform_restrictions.outbound_flows (enum, nullable) Restricts all outbound money movement. Possible enum values:

      • restricted The functionality is restricted.

      • unrestricted The functionality is not restricted.

  • restricted_features (array of enums) The array of paths to restricted Features in the Features hash.

  • status (enum) Status of this FinancialAccount. Possible enum values:

    • closed The FinancialAccount is closed.

    • open The FinancialAccount is open.

  • status_details (object) Details related to the status of this FinancialAccount.

    • status_details.closed (object, nullable) Details related to the closure of this FinancialAccount

      • status_details.closed.reasons (array of enums) The array that contains reasons for a FinancialAccount closure. Possible enum values:

        • account_rejected The underlying account is permanently rejected.

        • closed_by_platform The FinancialAccount has been closed through the API.

        • other The FinancialAccount has been closed by Stripe.

  • supported_currencies (array of enums) The currencies the FinancialAccount can hold a balance in. Three-letter ISO currency code, in lowercase.

The FinancialAccount object ​

json
{
  "id": "fa_1MtZmL2eZvKYlo2Cer6cdwEC",
  "object": "treasury.financial_account",
  "active_features": [
    "financial_addresses.aba",
    "outbound_payments.ach",
    "outbound_payments.us_domestic_wire"
  ],
  "balance": {
    "cash": {
      "usd": 0
    },
    "inbound_pending": {
      "usd": 0
    },
    "outbound_pending": {
      "usd": 0
    }
  },
  "country": "US",
  "created": 1680714349,
  "financial_addresses": [
    {
      "aba": {
        "account_holder_name": "Jenny Rosen",
        "account_number_last4": "7890",
        "bank_name": "STRIPE TEST BANK",
        "routing_number": "0000000001"
      },
      "supported_networks": [
        "ach",
        "us_domestic_wire"
      ],
      "type": "aba"
    }
  ],
  "livemode": true,
  "metadata": null,
  "pending_features": [],
  "restricted_features": [],
  "status": "open",
  "status_details": {
    "closed": null
  },
  "supported_currencies": [
    "usd"
  ],
  "features": {}
}

Stripe API Reference - Self-contained docs reference, refreshed 2026-05-18