Skip to content
Create account
or
Sign in
The Stripe Docs logo
/
Ask AI
Create account
Sign in
Get started
Payments
Revenue
Platforms and marketplaces
Money management
Developer resources
Overview
Start an integration
Use for your business
Manage money
Global Payouts
Capital
    Overview
    How Capital works
    Capital for platforms
    How Capital for platforms works
    Set up Capital
      No-code integration
      Embedded components integration
      API integration
        Refill offers
        Replace offers
      Testing
      Provide and reconcile reports
    Import non-Stripe data into Capital underwriting
    Regulatory compliance
    Marketing
    Servicing
    Metrics
Embed in your platform
Treasury
Issuing cards
Capital for platforms
HomeMoney managementCapitalSet up CapitalAPI integration

RefillsPublic preview

Learn how to enable refills for your Capital program.

Public preview

Capital for platforms is available in public preview. Sign up to join.

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

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

  2. When a refill offer is created, you receive a capital.financing_offer.created webhook which contains "product_type": "refill" to indicate it’s a refill offer.

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

  4. 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

  5. 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.

  6. If the customer accepts the refill offer, we send a capital.financing_offer.accepted webhook. 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:

    { "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" } } }
  7. 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.

  8. Retrieve the financing summary to see the details of the customer’s paid_out financing.

    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 } }
  9. 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

See also

  • Set up an API integration
Was this page helpful?
YesNo
  • Need help? Contact Support.
  • Join our early access program.
  • Check out our changelog.
  • Questions? Contact Sales.
  • LLM? Read llms.txt.
  • Powered by Markdoc