Payouts Fresh

How and when Stripe sends your funds to your bank account.

How payouts work

Stripe accumulates funds from your charges into your Stripe balance. Based on your payout schedule, Stripe automatically sends those funds to your registered bank account.

Initial payout timeline:

• First payout: typically 7–14 days after your first successful payment
• Subsequent payouts: follow your configured payout schedule
• Timeline varies by industry and country

Payout schedules

Schedule	Description
Daily automatic	Funds paid out every business day (default for most accounts)
Weekly automatic	Funds paid out on a specific day of the week
Monthly automatic	Funds paid out on a specific day of the month
Manual	You trigger payouts yourself via API or Dashboard

Configure in Dashboard → Settings → Payouts or via API:

# Set weekly payout schedule (every Monday)
curl https://api.stripe.com/v1/accounts/{{ACCOUNT_ID}} \
  -u "sk_test_YOUR_KEY:" \
  -d "settings[payouts][schedule][interval]=weekly" \
  -d "settings[payouts][schedule][weekly_anchor]=monday"

# Set monthly payout schedule (1st of each month)
curl https://api.stripe.com/v1/accounts/{{ACCOUNT_ID}} \
  -u "sk_test_YOUR_KEY:" \
  -d "settings[payouts][schedule][interval]=monthly" \
  -d "settings[payouts][schedule][monthly_anchor]=1"

# Switch to manual payouts
curl https://api.stripe.com/v1/accounts/{{ACCOUNT_ID}} \
  -u "sk_test_YOUR_KEY:" \
  -d "settings[payouts][schedule][interval]=manual"

Payout timing

The payout_schedule delay_days setting controls how many days after a charge the funds become available for payout. The default varies by country and account type (typically 2 days for US accounts).

Available balance = charge funds after the delay_days window has passed.

# Check your available and pending balance
curl https://api.stripe.com/v1/balance \
  -u "sk_test_YOUR_KEY:"

Response includes:

• available — funds available for payout now
• pending — funds that will become available after the delay period

Payout status lifecycle

Status	Description
paid	Payout successfully sent to bank
pending	Payout submitted but not yet confirmed by bank
in_transit	Funds on their way to the bank
failed	Payout failed — funds returned to Stripe balance
canceled	Payout was canceled before it reached the bank

Trigger a manual payout

# Payout all available USD balance
curl https://api.stripe.com/v1/payouts \
  -u "sk_test_YOUR_KEY:" \
  -d amount=1000 \
  -d currency=usd

# Payout specific amount
curl https://api.stripe.com/v1/payouts \
  -u "sk_test_YOUR_KEY:" \
  -d amount=5000 \
  -d currency=usd \
  -d description="Weekly payout"

Instant payouts

Receive funds within 30 minutes for an additional fee. Available on eligible US accounts with a debit card or premium bank account:

curl https://api.stripe.com/v1/payouts \
  -u "sk_test_YOUR_KEY:" \
  -d amount=10000 \
  -d currency=usd \
  -d method=instant

Instant payout availability depends on your account type, country, and bank.

Failed payouts

When a payout fails:

1. The funds are returned to your Stripe balance
2. A payout.failed webhook fires with a failure_code
3. The external bank account may be disabled for future payouts

Common failure codes:

Failure code	Cause
account_closed	Bank account has been closed
account_frozen	Bank account is frozen
bank_account_restricted	Account can't accept this type of transfer
could_not_process	Bank couldn't process the payout
debit_not_authorized	Bank account not authorized for debit
insufficient_funds	Stripe account has insufficient funds
invalid_account_number	Account number is invalid
no_account	Bank account doesn't exist

To resolve a failed payout:

1. Update or replace the bank account in Dashboard → Settings → Payouts
2. Re-enable the account if it was disabled due to failures
3. Create a new manual payout

Multiple bank accounts (multi-currency)

Add multiple bank accounts to receive payouts in different currencies:

curl https://api.stripe.com/v1/accounts/{{ACCOUNT_ID}}/external_accounts \
  -u "sk_test_YOUR_KEY:" \
  -d "external_account[object]=bank_account" \
  -d "external_account[country]=GB" \
  -d "external_account[currency]=gbp" \
  -d "external_account[account_number]=00012345" \
  -d "external_account[routing_number]=108800"

Stripe automatically routes charges in a currency to the corresponding bank account. Charges in unsupported currencies convert to your default settlement currency.

Bank account requirements by region

United States (US)

Field	Example
Routing number	9-digit ABA routing number
Account number	Checking or savings account number
Account type	individual or company

United Kingdom (GB)

Field	Example
Sort code	6-digit sort code
Account number	8-digit account number

Euro zone (SEPA)

Field	Example
IBAN	Country-specific IBAN

Australia (AU)

Field	Example
BSB	6-digit BSB number
Account number	4–9 digit account number

Canada (CA)

Field	Example
Transit number	5-digit transit number
Institution number	3-digit institution number
Account number	7–12 digit account number

Connect payouts

For Connect platforms, payouts from connected accounts work the same way but use the Stripe-Account header:

# List payouts for a connected account
curl https://api.stripe.com/v1/payouts \
  -u "sk_test_YOUR_KEY:" \
  -H "Stripe-Account: {{CONNECTED_ACCOUNT_ID}}"

# Trigger manual payout for connected account
curl https://api.stripe.com/v1/payouts \
  -u "sk_test_YOUR_KEY:" \
  -H "Stripe-Account: {{CONNECTED_ACCOUNT_ID}}" \
  -d amount=5000 \
  -d currency=usd

See the Connect section for platform-level payout control, payout pausing, and cross-border payouts.

Webhook events

Event	When it fires
payout.created	Payout initiated
payout.paid	Funds successfully sent to bank
payout.failed	Payout failed — funds returned to balance
payout.canceled	Payout canceled
payout.updated	Payout status updated
balance.available	Balance update — funds available for payout

View payout history

Dashboard → Payouts shows all payouts with status, amount, and expected arrival date.

Via API:

# List all payouts
curl -G https://api.stripe.com/v1/payouts \
  -u "sk_test_YOUR_KEY:" \
  -d limit=10

# Filter by status
curl -G https://api.stripe.com/v1/payouts \
  -u "sk_test_YOUR_KEY:" \
  -d status=failed