# Transfers are now split into payouts and transfers

## What’s new

Splits the `Transfer` object into `Payout` and `Transfer`. The `Payout` object represents money moving from a Stripe account to an external account (bank or debit card). The `Transfer` object now only represents money moving between Stripe accounts on a Connect platform. For more details, see [Transfer Payout Split](https://docs.stripe.com/transfer-payout-split.md).

## Impact

Introduces a clearer distinction between payouts to external accounts and transfers between Stripe accounts on a Connect platform. You can now manage these two types of transactions more specifically, with payouts for external transfers and transfers for internal platform movements.

## Changes

#### REST API

| Parameters | Change | Resources or endpoints |
| --- | --- | --- |
| `transfer_schedule`, `transfer_statement_descriptor`, `transfers_enabled` | Removed | [Account](/api/accounts/object?api-version=2024-06-20) |
| `amount_reversed`, `reversaled`, `reversals`, `transfer_group` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20) |
| `date`, `recipient` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20), [Transfer](/api/transfers/object?api-version=2024-06-20) |
| `failure_code`, `failure_message`, `method`, `statement_descriptor`, `status`, `type` | Removed | [Transfer](/api/transfers/object?api-version=2024-06-20) |

| Fields | Change | From → to |
| --- | --- | --- |
| `Payout.application_fee`, `Transfer.application_fee` | Changed | `string → expandable($ApplicationFee)` |
| `Payout.bank_account` | Changed | `nullable(map(string: string)) → $BankAccount` |
| `Payout.card` | Changed | `nullable(map(string: string)) → $Card` |
| `Payout.source_transaction` | Changed | `string → expandable($Charge)` |

#### Ruby

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `transfer_schedule`, `transfer_statement_descriptor`, `transfers_enabled` | Removed | [Account](/api/accounts/object?api-version=2024-06-20) |
| `amount_reversed`, `reversaled`, `reversals`, `transfer_group` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20) |
| `date`, `recipient` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20), [Transfer](/api/transfers/object?api-version=2024-06-20) |
| `failure_code`, `failure_message`, `method`, `statement_descriptor`, `status`, `type` | Removed | [Transfer](/api/transfers/object?api-version=2024-06-20) |

| Fields | Change | From → to |
| --- | --- | --- |
| `Payout.application_fee`, `Transfer.application_fee` | Changed | `string → expandable($ApplicationFee)` |
| `Payout.bank_account` | Changed | `nullable(map(string: string)) → $BankAccount` |
| `Payout.card` | Changed | `nullable(map(string: string)) → $Card` |
| `Payout.source_transaction` | Changed | `string → expandable($Charge)` |

#### Python

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `transfer_schedule`, `transfer_statement_descriptor`, `transfers_enabled` | Removed | [Account](/api/accounts/object?api-version=2024-06-20) |
| `amount_reversed`, `reversaled`, `reversals`, `transfer_group` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20) |
| `date`, `recipient` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20), [Transfer](/api/transfers/object?api-version=2024-06-20) |
| `failure_code`, `failure_message`, `method`, `statement_descriptor`, `status`, `type` | Removed | [Transfer](/api/transfers/object?api-version=2024-06-20) |

| Fields | Change | From → to |
| --- | --- | --- |
| `Payout.application_fee`, `Transfer.application_fee` | Changed | `string → expandable($ApplicationFee)` |
| `Payout.bank_account` | Changed | `nullable(map(string: string)) → $BankAccount` |
| `Payout.card` | Changed | `nullable(map(string: string)) → $Card` |
| `Payout.source_transaction` | Changed | `string → expandable($Charge)` |

#### PHP

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `transfer_schedule`, `transfer_statement_descriptor`, `transfers_enabled` | Removed | [Account](/api/accounts/object?api-version=2024-06-20) |
| `amount_reversed`, `reversaled`, `reversals`, `transfer_group` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20) |
| `date`, `recipient` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20), [Transfer](/api/transfers/object?api-version=2024-06-20) |
| `failure_code`, `failure_message`, `method`, `statement_descriptor`, `status`, `type` | Removed | [Transfer](/api/transfers/object?api-version=2024-06-20) |

| Fields | Change | From → to |
| --- | --- | --- |
| `Payout.application_fee`, `Transfer.application_fee` | Changed | `string → expandable($ApplicationFee)` |
| `Payout.bank_account` | Changed | `nullable(map(string: string)) → $BankAccount` |
| `Payout.card` | Changed | `nullable(map(string: string)) → $Card` |
| `Payout.source_transaction` | Changed | `string → expandable($Charge)` |

#### Java

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `transferSchedule`, `transferStatementDescriptor`, `transfersEnabled` | Removed | [Account](/api/accounts/object?api-version=2024-06-20) |
| `amountReversed`, `reversaled`, `reversals`, `transferGroup` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20) |
| `date`, `recipient` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20), [Transfer](/api/transfers/object?api-version=2024-06-20) |
| `failureCode`, `failureMessage`, `method`, `statementDescriptor`, `status`, `type` | Removed | [Transfer](/api/transfers/object?api-version=2024-06-20) |

| Fields | Change | From → to |
| --- | --- | --- |
| `Payout.applicationFee`, `Transfer.applicationFee` | Changed | `string → expandable($ApplicationFee)` |
| `Payout.bankAccount` | Changed | `nullable(map(string: string)) → $BankAccount` |
| `Payout.card` | Changed | `nullable(map(string: string)) → $Card` |
| `Payout.sourceTransaction` | Changed | `string → expandable($Charge)` |

#### Node.js

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `transfer_schedule`, `transfer_statement_descriptor`, `transfers_enabled` | Removed | [Account](/api/accounts/object?api-version=2024-06-20) |
| `amount_reversed`, `reversaled`, `reversals`, `transfer_group` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20) |
| `date`, `recipient` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20), [Transfer](/api/transfers/object?api-version=2024-06-20) |
| `failure_code`, `failure_message`, `method`, `statement_descriptor`, `status`, `type` | Removed | [Transfer](/api/transfers/object?api-version=2024-06-20) |

| Fields | Change | From → to |
| --- | --- | --- |
| `Payout.application_fee`, `Transfer.application_fee` | Changed | `string → expandable(ApplicationFee)` |
| `Payout.bank_account` | Changed | `map(string: string) | null → BankAccount` |
| `Payout.card` | Changed | `map(string: string) | null → Card` |
| `Payout.source_transaction` | Changed | `string → expandable(Charge)` |

#### Go

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `TransferSchedule`, `TransferStatementDescriptor`, `TransfersEnabled` | Removed | [Account](/api/accounts/object?api-version=2024-06-20) |
| `AmountReversed`, `Reversaled`, `Reversals`, `TransferGroup` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20) |
| `Date`, `Recipient` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20), [Transfer](/api/transfers/object?api-version=2024-06-20) |
| `FailureCode`, `FailureMessage`, `Method`, `StatementDescriptor`, `Status`, `Type` | Removed | [Transfer](/api/transfers/object?api-version=2024-06-20) |

| Fields | Change | From → to |
| --- | --- | --- |
| `Payout.ApplicationFee`, `Transfer.ApplicationFee` | Changed | `string → expandable($ApplicationFee)` |
| `Payout.BankAccount` | Changed | `nullable(map(string: string)) → $BankAccount` |
| `Payout.Card` | Changed | `nullable(map(string: string)) → $Card` |
| `Payout.SourceTransaction` | Changed | `string → expandable($Charge)` |

#### .NET

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `TransferSchedule`, `TransferStatementDescriptor`, `TransfersEnabled` | Removed | [Account](/api/accounts/object?api-version=2024-06-20) |
| `AmountReversed`, `Reversaled`, `Reversals`, `TransferGroup` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20) |
| `Date`, `Recipient` | Removed | [Payout](/api/payouts/object?api-version=2024-06-20), [Transfer](/api/transfers/object?api-version=2024-06-20) |
| `FailureCode`, `FailureMessage`, `Method`, `StatementDescriptor`, `Status`, `Type` | Removed | [Transfer](/api/transfers/object?api-version=2024-06-20) |

| Fields | Change | From → to |
| --- | --- | --- |
| `Payout.ApplicationFee`, `Transfer.ApplicationFee` | Changed | `string → expandable($ApplicationFee)` |
| `Payout.BankAccount` | Changed | `nullable(map(string: string)) → $BankAccount` |
| `Payout.Card` | Changed | `nullable(map(string: string)) → $Card` |
| `Payout.SourceTransaction` | Changed | `string → expandable($Charge)` |

## Upgrade

#### REST API

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. If you use an SDK, upgrade to the corresponding SDK version for this API version.
   - If you don’t use an SDK, update your [API requests](https://docs.stripe.com/api/versioning.md) to include `Stripe-Version: 2017-04-06`
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Ruby

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Ruby SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Python

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Python SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### PHP

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your PHP SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Java

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Java SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Node.js

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Node SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### Go

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your Go SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).

#### .NET

1. [View your current API version](https://docs.stripe.com/upgrades.md#view-your-api-version-and-the-latest-available-upgrade-in-workbench) in Workbench.
2. Upgrade your .NET SDK to the latest version.
3. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md).
4. [Test your integration](https://docs.stripe.com/testing.md) against the new version.
5. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md).
6. In Workbench, [perform the upgrade](https://docs.stripe.com/upgrades.md#perform-the-upgrade). You can [roll back the version](https://docs.stripe.com/upgrades.md#roll-back-your-api-version) for 72 hours.

Learn more about [Stripe API upgrades](https://docs.stripe.com/upgrades.md).