# Agrega fondos a tu saldo de Stripe Cover increased refunds and chargebacks by adding funds to your balance. To add funds to pay out to connected accounts, [add funds to your platform balance](https://docs.stripe.com/connect/top-ups.md). To maintain stability in your business when your account has a negative balance or when you expect an increase in customer refunds or disputes, you can add funds directly to your Stripe balance using a wire or bank transfer. For businesses using automatic payouts, we recommend that you set a [minimum balance](https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts.md) to ensure timely processing of refunds. ## Disponibilidad de métodos de pago In several markets, funds are added to a Stripe VBAN (which helps reconciliation speed) using a local bank credit transfer. These include: AMER (United States), EMEA (United Kingdom, EUR Currency markets) and APAC (Japan). In other markets, funds are added using a wire transfer, which follows slightly different times and processes. Only wire transfers are available in the following regions and countries: AMER (Canada), EMEA (Non-EUR Currency markets: BG, CZ, HU, LI, GI, RO), APAC (AU, NZ, SG, HK, IN, TH, MY), and LatAm (BR, MX). Stripe VBAN isn’t available in these regions and countries. ## Saldo de pagos In the US, UK, and JP, you can add funds directly to the payments balance. We recommend this option for most businesses because it avoids transiting funds through a separate balance. Para las empresas que utilizan transferencia (a cuenta bancaria) automática, los fondos añadidos al saldo de pagos que excedan el [saldo mínimo](https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts.md) se pagarán en la siguiente transferencia. Puede configurar su calendario de transferencias y los ajustes de saldo mínimo en su [configuración de transferencias (a cuenta bancaria)](https://dashboard.stripe.com/settings/payouts). ## Refunds and disputes balance You can also add funds to the **Future refunds or disputes balance** ([refund_and_dispute_prefunding](https://docs.stripe.com/api/balance/balance_object.md#balance_object-refund_and_dispute_prefunding)), which is a separate balance. These funds are never included in an automatic payout, but you can initiate a manual payout at any time. Stripe first attempts to process refunds and disputes from your available payments balance. If your payments balance is insufficient, Stripe uses these reserved funds. If these reserved funds are also insufficient, then your payments balance might go negative. > #### Payouts reconciliation > > For businesses using automatic payouts, balance transactions for refunds and disputes funded from the **Future refunds or disputes balance** aren’t included in [payouts reconciliation reports](https://docs.stripe.com/payouts/reconciliation.md). ## Cuenta financiera In the US and UK, you can add funds to a [financial account](https://docs.stripe.com/treasury.md) in the Stripe Dashboard. A financial account lets you store funds, send and receive money, convert currencies, and create spend cards. ## Agregar fondos This section outlines the steps to send funds from your bank using the Dashboard to add them to your Stripe balance. ### Before you send funds You can send funds from an external bank account to fund your financial account. In the US, you can send funds with an ACH transfer or wire. With ACH, funds are available in about 3 days after you initiate the transfer from your bank. With wire transfers, funds are available within the day. Additional charges apply if funding with a wire. 1. On the [Balances](https://dashboard.stripe.com/balance/overview) page, click **Add funds**. 1. Select the balance to add money to. 1. Enter the amount and click **Next**. 1. Verify the account details to send money through ACH, RTP, a wire, or other local payment from your bank. Click **Done**. ### After you send funds 1. After your bank has sent the funds, navigate back to the Balances page, and click **Add to balance**. 1. If the modal prompts you for a receipt, upload a screenshot or document that confirms your bank transferred the funds. To fund your Stripe balance faster, you might need to provide a screenshot or PDF of your bank’s transfer or wire confirmation. 1. Click **Confirm transfer**. ## Visualizar los fondos After Stripe receives the funds, we show the added funds in the [Balances](https://dashboard.stripe.com/balance/overview) page. You also receive a [balance.available](https://docs.stripe.com/api/events/types.md#event_types-balance.available) webhook. The following example event shows a balance snapshot with details of `refund_and_dispute_prefunding` balances: #### balance-available ```json { "id": "{{EVENT_ID}}", "object": "event", "type": "balance.available", "data": { "object": { "object": "balance", //... "available": [ { "amount": 1000, "currency": "usd", "source_types" : { "bank_account": 100, "card": 900, }, }, { "amount": 0, "currency": "eur", "source_types" : { "bank_account": 0, "card": 0, }, } ], "pending": [ //... ],"refund_and_dispute_prefunding": { "available": [ { "amount": 1000, "currency": "usd", }, { "amount": 0, "currency": "eur", } ], "pending": [ { "amount": 1000, "currency": "usd", }, { "amount": 0, "currency": "eur", } ], } // ... } } } ``` ## Plazo de acreditación de fondos Esta tabla indica el plazo previsto para la acreditación de los fondos según la región y el método de transferencia de pago, y puede ayudarte a comprender cuánto tiempo suelen tardar los pagos en procesarse. | Region and currency | Payment transfer method | Estimated speed | | ------------------- | ----------------------------- | ------------------------------------------------------------------------------ | | USA (USD) | Transferencia electrónica | 1-5 days | | USA (USD) | Transferencia de crédito ACH | 1-3 days | | USA (USD) | ACH Debit Transfer | 5 días | | ÉÛ (ÉÛR) | Transferencia de crédito SEPA | 1-2 days | | ÛK (GßÞ) | FPS | 2 horas a 1 día | | ÛK (GßÞ) | BACS | De dos a tres días hábiles | | Other currencies | Transferencia electrónica | 1 a 7 días (si proporcionas la información de transferencia correcta a Stripe) | Según la configuración de tu cuenta, es posible que no tengas acceso a todos los métodos mencionados anteriormente inmediatamente después del lanzamiento. Si eres un usuario nuevo y no completaste una cantidad considerable de recargas a Stripe, es posible que el plazo para la disponibilidad de los fondos se retrase inicialmente más de lo indicado. Sin embargo, la velocidad inicial eventualmente se alineará con las velocidades descritas. ## See also - [Agrega fondos al saldo de tu plataforma](https://docs.stripe.com/connect/top-ups.md) - [Manage prorations for modified subscriptions](https://docs.stripe.com/billing/subscriptions/prorations.md)