# Adds per-currency minimum balances for automatic payouts on the Balance Settings API ## What’s new [Balance Settings](https://docs.stripe.com/api/balance-settings.md?api-version=2025-09-30.preview&lang=curl) now include a [minimum_balance_by_currency](https://docs.stripe.com/api/balance-settings/update.md?api-version=2025-09-30-clover.preview&lang=curl#update_balance_settings-payments-payouts-minimum_balance_by_currency) parameter under [payments.payouts](https://docs.stripe.com/api/balance-settings/object.md?api-version=2025-09-30.preview#balance_settings_object-payments-payouts). This allows platforms to retain per-currency amounts (in the minor currency unit) on connected accounts during automatic payouts. ## Impact The `minimum_balance_by_currency` parameter allows platforms to programmatically retain a per-currency buffer on connected accounts during automatic payouts. This can help reduce the likelihood of negative balances resulting from refunds, disputes, or fees that occur after a payout. Learn more about the [minimum balances for automatic payouts](https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts.md). ## Changes #### REST API | Parameter | Change | Resources or endpoints | | ----------------------------- | ------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `minimum_balance_by_currency` | Added | [BalanceSettings#update.payments.payouts](/api/balance-settings/update?api-version=2025-09-30.preview#update_balance_settings-payments-payouts), [BalanceSettings.payments.payouts](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-payouts) | #### Ruby | Parameter | Change | Resources or methods | | ----------------------------- | ------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | `minimum_balance_by_currency` | Added | [BalanceSettings::Payment::Payout](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-payouts), [BalanceSettings::UpdateParams::Payment::Payout](/api/balance-settings/update?api-version=2025-09-30.preview#update_balance_settings-payments-payouts) | #### Python | Parameter | Change | Resources or methods | | ----------------------------- | ------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `minimum_balance_by_currency` | Added | [BalanceSettings.ModifyParamsPaymentPayout](/api/balance-settings/update?api-version=2025-09-30.preview#update_balance_settings-payments-payouts), [BalanceSettings.Payment.Payout](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-payouts) | #### PHP | Parameter | Change | Resources or methods | | ----------------------------- | ------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `minimum_balance_by_currency` | Added | [BalanceSettings.payments.payouts](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-payouts), [BalanceSettings.update().$params.payment.payout](/api/balance-settings/update?api-version=2025-09-30.preview#update_balance_settings-payments-payouts) | #### Java | Parameter | Change | Resources or methods | | -------------------------- | ------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `minimumBalanceByCurrency` | Added | [BalanceSettings.payments.payouts](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-payouts), [BalanceSettingsUpdateParams.payments.payouts](/api/balance-settings/update?api-version=2025-09-30.preview#update_balance_settings-payments-payouts) | #### Node.js | Parameter | Change | Resources or methods | | ----------------------------- | ------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `minimum_balance_by_currency` | Added | [BalanceSettingUpdateParams.payments.payouts](/api/balance-settings/update?api-version=2025-09-30.preview#update_balance_settings-payments-payouts), [BalanceSettings.payments.payouts](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-payouts) | #### Go | Parameter | Change | Resources or methods | | -------------------------- | ------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | | `MinimumBalanceByCurrency` | Added | [BalanceSettingsPaymentsPayouts](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-payouts), [BalanceSettingsPaymentsPayoutsParams](/api/balance-settings/update?api-version=2025-09-30.preview#update_balance_settings-payments-payouts) | #### .NET | Parameter | Change | Resources or methods | | -------------------------- | ------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | `MinimumBalanceByCurrency` | Added | [BalanceSettings.Payments.Payouts](/api/balance-settings/object?api-version=2025-09-30.preview#balance_settings_object-payments-payouts), [BalanceSettingsPaymentsPayoutsOptions](/api/balance-settings/update?api-version=2025-09-30.preview#update_balance_settings-payments-payouts) | ## 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. 1. 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.preview` 1. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 1. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 1. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 1. 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. 1. Upgrade your Ruby SDK to [v16.1.0-beta.1](https://github.com/stripe/stripe-ruby/releases/tag/v16.1.0-beta.1) 1. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 1. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 1. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 1. 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. 1. Upgrade your Python SDK to [v13.1.2b1](https://github.com/stripe/stripe-python/releases/tag/v13.1.2b1) 1. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 1. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 1. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 1. 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. 1. Upgrade your PHP SDK to [v18.1.0-beta.1](https://github.com/stripe/stripe-php/releases/tag/v18.1.0-beta.1) 1. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 1. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 1. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 1. 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. 1. Upgrade your Java SDK to [v30.1.0-beta.1](https://github.com/stripe/stripe-java/releases/tag/v30.1.0-beta.1) 1. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 1. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 1. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 1. 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. 1. Upgrade your Node SDK to [v19.2.0-beta.1](https://github.com/stripe/stripe-node/releases/tag/v19.2.0-beta.1) 1. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 1. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 1. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 1. 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. 1. Upgrade your Go SDK to [v83.1.0-beta.1](https://github.com/stripe/stripe-go/releases/tag/v83.1.0-beta.1) 1. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 1. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 1. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 1. 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. 1. Upgrade your .NET SDK to [v49.1.0-beta.1](https://github.com/stripe/stripe-dotnet/releases/tag/v49.1.0-beta.1) 1. Upgrade the API version used for [webhook endpoints](https://docs.stripe.com/webhooks/versioning.md). 1. [Test your integration](https://docs.stripe.com/testing.md) against the new version. 1. If you use Connect, [test your Connect integration](https://docs.stripe.com/connect/testing.md). 1. 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 - [Moves platform-specific identity fields to a default profile for Accounts](https://docs.stripe.com/changelog/clover/2025-09-30/moving-identity-fields.md) - [Updating Balance Settings no longer requires specifying payment settings](https://docs.stripe.com/changelog/clover/2025-09-30/payments-field-optional-for-update-balance-settings.md)