# Adds account balance and payout settings with the Balance Settings API ## What’s new You can now customize how a connected account’s balance and payout are managed by your platform with the [Balance Settings API](https://docs.stripe.com/api/balance-settings.md?api-version=2025-09-30.clover). These options are included: - [payments.debit_negative_balances](https://docs.stripe.com/api/balance-settings/object.md?api-version=2025-09-30.clover#balance_settings_object-payments-debit_negative_balances): determines whether Stripe should try to reclaim negative balances from an attached bank account. - [payments.payouts.minimum_balance_by_currency](https://docs.stripe.com/api/balance-settings/object.md?api-version=2025-09-30.clover#balance_settings_object-payments-payouts-minimum_balance_by_currency): defines the minimum balance amount to retain per currency after automatic payouts—only funds in excess of that currency are paid out. - [payments.payouts.schedule](https://docs.stripe.com/api/balance-settings/object.md?api-version=2025-09-30.clover#balance_settings_object-payments-payouts-schedule): specifies the precise schedule for payouts, including the frequency interval and days of the month or week. - [payments.payouts.statement_descriptor](https://docs.stripe.com/api/balance-settings/object.md?api-version=2025-09-30.clover#balance_settings_object-payments-payouts-statement_descriptor): specifies the text that appears on the bank account statement for payouts. - [payments.settlement_timing](https://docs.stripe.com/api/balance-settings/object.md?api-version=2025-09-30.clover&rds=1&lang=curl#balance_settings_object-payments-settlement_timing): defines settlement timing for pending funds to become available. If you used the [Balance Settings API on preview API versions earlier than `2025-09-30.clover`](https://docs.stripe.com/api/balance-settings.md?api-version=2025-08-27.preview), you’ll notice the following changes: - The ability to set the Balance Settings [delay_days](https://docs.stripe.com/api/balance-settings/object.md?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing-delay_days) to default by posting an empty `delay_days_override` value. The default value is the lowest available for your account. - The [delay_days_override](https://docs.stripe.com/api/balance-settings/object.md?api-version=2025-09-30.clover#balance_settings_object-payments-settlement_timing-delay_days_override) field added to the [Balance Settings object](https://docs.stripe.com/api/balance-settings.md?api-version=2025-09-30.clover), which you can set when you [update Balance Settings](https://docs.stripe.com/api/balance-settings/update.md?api-version=2025-09-30.clover). #### REST API | Field | Change | From → to | | --- | --- | --- | | `BalanceSettings#update.payments.settlement_timing.delay_days_override` | Changed | `longInteger → emptyable(longInteger)` | | Parameter | Change | Resources or endpoints | | --- | --- | --- | | `delay_days_override` | Added | [BalanceSettings.payments.settlement_timing](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing) | #### Ruby | Field | Change | From → to | | --- | --- | --- | | `BalanceSettings::UpdateParams::Payment::SettlementTiming.delay_days_override` | Changed | `longInteger → emptyable(longInteger)` | | Parameter | Change | Resources or methods | | --- | --- | --- | | `delay_days_override` | Added | [BalanceSettings::Payment::SettlementTiming](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing) | #### Python | Field | Change | From → to | | --- | --- | --- | | `BalanceSettings.ModifyParamsPaymentSettlementTiming.delay_days_override` | Changed | `longInteger → emptyable(longInteger)` | | Parameter | Change | Resources or methods | | --- | --- | --- | | `delay_days_override` | Added | [BalanceSettings.Payment.SettlementTiming](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing) | #### PHP | Field | Change | From → to | | --- | --- | --- | | `BalanceSettings.update().$params.payment.settlement_timing.delay_days_override` | Changed | `longInteger → emptyable(longInteger)` | | Parameter | Change | Resources or methods | | --- | --- | --- | | `delay_days_override` | Added | [BalanceSettings.payments.settlement_timing](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing) | #### Java | Field | Change | From → to | | --- | --- | --- | | `BalanceSettingsUpdateParams.payments.settlement_timing.delayDaysOverride` | Changed | `longInteger → emptyable(longInteger)` | | Parameter | Change | Resources or methods | | --- | --- | --- | | `delayDaysOverride` | Added | [BalanceSettings.payments.settlement_timing](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing) | #### Node.js | Field | Change | From → to | | --- | --- | --- | | `BalanceSettingUpdateParams.payments.settlement_timing.delay_days_override` | Changed | `longInteger → emptyable(longInteger)` | | Parameter | Change | Resources or methods | | --- | --- | --- | | `delay_days_override` | Added | [BalanceSettings.payments.settlement_timing](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing) | #### Go | Field | Change | From → to | | --- | --- | --- | | `BalanceSettingsPaymentsSettlementTimingParams.DelayDaysOverride` | Changed | `longInteger → emptyable(longInteger)` | | Parameter | Change | Resources or methods | | --- | --- | --- | | `DelayDaysOverride` | Added | [BalanceSettingsPaymentsSettlementTiming](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing) | #### .NET | Field | Change | From → to | | --- | --- | --- | | `BalanceSettingsPaymentsSettlementTimingOptions.DelayDaysOverride` | Changed | `longInteger → emptyable(longInteger)` | | Parameter | Change | Resources or methods | | --- | --- | --- | | `DelayDaysOverride` | Added | [BalanceSettings.Payments.SettlementTiming](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-settlement_timing) | ## Impact All Stripe platforms can now use the [Balance Settings API](https://docs.stripe.com/api/balance-settings.md?api-version=2025-09-30.clover) to customize account balances, configure [minimum balances for automatic payouts](https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts.md), and [manage payout settings](https://docs.stripe.com/connect/manage-payout-schedule.md). We recommend using the [Balance Settings API](https://docs.stripe.com/api/balance-settings.md?api-version=2025-09-30.clover) for both Accounts v1 and Accounts v2 over the legacy [settings.payouts](https://docs.stripe.com/api/accounts/object.md?api-version=2025-09-30.clover#account_object-settings-payouts) hash in the [Accounts v1 API](https://docs.stripe.com/api/accounts.md?api-version=2025-09-30.clover) However, if you are a platform on Accounts v1 and currently using `settings.payouts`, you do not need to migrate. If you are a platform on [Accounts v2](https://docs.stripe.com/connect/accounts-v2.md), see [Build a SaaS platform](https://docs.stripe.com/connect/saas.md) to learn more. ## Changes #### REST API | | Change | Resource | | --- | --- | --- | | | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | | Endpoints | Change | Resource | | --- | --- | --- | | `retrieve`, `update` | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | #### Ruby | | Change | Resource | | --- | --- | --- | | | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | | Methods | Change | Resource | | --- | --- | --- | | `retrieve`, `update` | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | #### Python | | Change | Resource | | --- | --- | --- | | | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | | Methods | Change | Resource | | --- | --- | --- | | `modify`, `retrieve` | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | #### PHP | | Change | Resource | | --- | --- | --- | | | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | | Methods | Change | Resource | | --- | --- | --- | | `retrieve`, `update` | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | #### Java | | Change | Resource | | --- | --- | --- | | | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | | Methods | Change | Resource | | --- | --- | --- | | `retrieve`, `update` | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | #### Node.js | | Change | Resource | | --- | --- | --- | | | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | | Methods | Change | Resource | | --- | --- | --- | | `retrieve`, `update` | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | #### Go | | Change | Resource | | --- | --- | --- | | | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | | Methods | Change | Resource | | --- | --- | --- | | `Get`, `Update` | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | #### .NET | | Change | Resource | | --- | --- | --- | | | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | | Methods | Change | Resource | | --- | --- | --- | | `Get`, `Update` | Added | [BalanceSettings](/api/balance-settings/object?api-version=2025-09-30.clover) | ## 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: 2025-09-30.clover` 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 [v16.0.0](https://github.com/stripe/stripe-ruby/releases/tag/v16.0.0) 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 [v13.0.1](https://github.com/stripe/stripe-python/releases/tag/v13.0.1) 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 [v18.0.0](https://github.com/stripe/stripe-php/releases/tag/v18.0.0) 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 [v30.0.0](https://github.com/stripe/stripe-java/releases/tag/v30.0.0) 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 [v19.1.0](https://github.com/stripe/stripe-node/releases/tag/v19.1.0) 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 [v83.0.0](https://github.com/stripe/stripe-go/releases/tag/v83.0.0) 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 [v49.0.0](https://github.com/stripe/stripe-dotnet/releases/tag/v49.0.0) 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). ## Related changes - [Adds specific descriptions for risk requirements during legal, PEP, and sanctions review](https://docs.stripe.com/changelog/clover/2025-09-30/expanded-risk-requirement-descriptions.md) - [Adds a new error code for business type validations](https://docs.stripe.com/changelog/clover/2025-09-30/business-type-error-code.md)