# Refills

Learn how to enable refills for your Capital program.

> Capital for platforms is available in [public preview](https://docs.stripe.com/release-phases.md).

Refills are additional financing offers sent to connected accounts who’ve made substantial repayment progress towards their in-progress financing offer balance. If approved, refill offers pay down the remaining balance on the in-progress balance.

## Before you begin

- This guide assumes you completed an [API integration](https://docs.stripe.com/capital/api-integration.md).
- Refills aren’t enabled by default. After you update your integration to support refills, you must submit details about your integration and API use to Stripe for compliance review using the [Change Request Form](https://form.asana.com/?k=8K51UWmWhttehNFD5qBLdg&d=974470123217835).

## Refill offer lifecycle

1. Stripe evaluates active Capital connected accounts for refill financing eligibility on a daily basis.

1. When a refill offer is created, you receive a `capital.financing_offer.created` *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests) which contains `"product_type": "refill"` to indicate it’s a refill offer.

1. Depending on the `product_type` and `offered_terms.campaign_type` fields, use approved messaging to communicate the financing offer to the customer.

1. The connected account accesses the refill application with the same Account Link setup from the [API set up guide](https://docs.stripe.com/capital/api-integration.md#send-offer-email). The connected account can adjust a custom slider up to the maximum qualified offer amount.

1. Connected accounts who accept the refill offer might be offered a discount (taken as a percentage on the remaining premium of their existing balance). This discount rate is exposed as `previous_financing_fee_discount_rate` under `offered_terms`.

1. If the customer accepts the refill offer, we send a `capital.financing_offer.accepted` *webhook* (A webhook is a real-time push notification sent to your application as a JSON payload through HTTPS requests). The webhook payload contains an `accepted_terms` field with the amounts selected by the customer. The `previous_financing_fee_discount_amount` field is `null` until the previous financing has been fully repaid, and we’ve determined the discount amount. If there’s no discount, `previous_financing_fee_discount_amount` remains `null` even after the previous financing has been fully repaid.

   Example webhook:

   ```json
   {
       "type": "capital.financing_offer.accepted",
       "api_version": "2022-02-28",
       "created": 123456789,
       "data": {
           "object": {
               "id": "financingoffer_abcdef123456",
               "object": "capital.financing_offer",
               "account": "acct_abcdef123456",
               "created_at": 123456789,
               "expires_after": 123456789,
               "livemode": true,
               "status": "accepted",
               "accepted_terms": {
                   "currency": "usd",
                   "advance_amount": 100000,
                   "fee_amount": 10000,
                   "withhold_rate": 0.15,
                   "previous_financing_fee_discount_amount": null
               },
               "financing_type": "flex_loan",
               "offered_terms": {
                   "currency": "usd",
                   "advance_amount": 100000,
                   "fee_amount": 10000,
                   "withhold_rate": 0.15,
                   "campaign_type": "repeat_user",
                   "previous_financing_fee_discount_rate": 0.5
               },
               "product_type": "refill"
           }
       }
   }
   ```

1. The new financing will first repay and close out the customer’s active balance. The customer receives the difference. This new financing payout will send the `capital.financing_offer.paid_out` webhook, at which point the `previous_financing_fee_discount_amount` field will be set.

1. [Retrieve the financing summary](https://docs.stripe.com/api/capital/financing_summary.md) to see the details of the customer’s `paid_out` financing.

   Example response:

   ```json
       {
         "object": "capital.financing_summary",
         "details": {
           "currency": "usd",
           "advance_amount": 1000000,
           "fee_amount": 100000,
           "withhold_rate": 0.2,
           "remaining_amount": 0,
           "paid_amount": 0,
           "current_repayment_interval": {
             "due_at": 123456789,
             "remaining_amount": 50,
             "paid_amount": 50
           },
           "repayments_begin_at": 123456789,
           "advance_paid_out_at": 123456789
         }
       }
   ```

1. Details about the refill and original financing are also available on the [Financing Reporting](https://dashboard.stripe.com/test/connect/capital/financing_offers) page.

## Stacked refill behavior

Refills behave differently based on connected account country and partner. The following differences apply when a connected account is based in the United Kingdom (GB), France (FR) or Germany (DE).

### Two simultaneously active financings

When a stacked refill is accepted and paid out, the original financing remains active. The refill payout doesn’t automatically repay the original financing.

### Withholding order and rate

When you accept the refill offer, we apply the new withholding rate to your original financing. After that is fully repaid, we begin withholding towards the new financing.

### Webhook event ordering

For UK, FR, and DE connected accounts, `capital.financing_offer.fully_repaid` isn’t emitted for the original financing at the time of refill payout. That event is sent later, when the original financing is actually fully repaid.

There is no difference in the `capital.financing_offer.created` webhook behavior. The refill offer is created with `product_type=refill` in both cases, and offers can be listed and retrieved using the FinancingOffer API.

## See also

- [Set up an API integration](https://docs.stripe.com/capital/api-integration.md)