RefillsPublic preview
Learn how to enable refills for your Capital program.
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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.
- Refills aren’t enabled by default. After you update your integration to support refills, you must contact us to enable refill offers.
Refill offer lifecycle
Stripe evaluates active Capital connected accounts for refill financing eligibility on a daily basis.
When a refill offer is created, you receive a
capital.
webhook which containsfinancing_ offer. created "product_
to indicate it’s a refill offer.type": "refill" Depending on the
product_
andtype offered_
fields, use approved messaging to communicate the financing offer to the customer.terms. campaign_ type The connected account accesses the refill application with the same Account Link setup from the API set up guide. The connected account can adjust a custom slider up to the maximum qualified offer amount.
Refill application
Refill application
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_
underfinancing_ fee_ discount_ rate offered_
.terms If the customer accepts the refill offer, we send a
capital.
webhook. The webhook payload contains anfinancing_ offer. accepted accepted_
field with the amounts selected by the customer. Theterms previous_
field isfinancing_ fee_ discount_ amount null
until the previous financing has been fully repaid, and we’ve determined the discount amount. If there’s no discount,previous_
remainsfinancing_ fee_ discount_ amount null
even after the previous financing has been fully repaid.Example webhook:
{ "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" } } }
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.
webhook, at which point thefinancing_ offer. paid_ out previous_
field will be set.financing_ fee_ discount_ amount Retrieve the financing summary to see the details of the customer’s
paid_
financing.out Example response:
{ "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 } }
Details about the refill and original financing are also available on the Financing Reporting page.
Hosted reporting of original financing offer
Hosted reporting of newly refilled financing offer