# Adds the ability to relink deactivated Financial Connections Accounts

## What’s new

You can now use the [relink_options](https://docs.stripe.com/api/financial_connections/sessions/object.md?api-version=2026-01-28.preview#financial_connections_session_object-relink_options) parameter when [creating a Financial Connections Session](https://docs.stripe.com/api/financial_connections/sessions/create.md?api-version=2026-01-28.preview#financial_connections_create_session-relink_options) to enable the reconnection of deactivated Financial Connections Accounts and, if applicable, their [Tokenized Account Numbers](https://docs.stripe.com/financial-connections/tokenized-account-numbers.md).

Two configuration options are available:

- Pass [relink_options.authorization](https://docs.stripe.com/api/financial_connections/sessions/create.md#create_financial_connections_session-relink_options-authorization) to relink all Financial Connections Accounts that belong to a specific Financial Connections Authorization.
- Pass both [relink_options.authorization](https://docs.stripe.com/api/financial_connections/sessions/create.md#create_financial_connections_session-relink_options-authorization) and [relink_options.account](https://docs.stripe.com/api/financial_connections/sessions/create.md#create_financial_connections_session-relink_options-account) to relink a specific Financial Connections Account.

[Financial Connections Account](https://docs.stripe.com/api/financial_connections/accounts/object.md) and [Financial Connections Authorization](https://docs.stripe.com/api/financial_connections/authorizations/object.md) resources include a [status_details](https://docs.stripe.com/api/financial_connections/accounts/object.md?api-version=2026-01-28.preview#financial_connections_account_object-status_details) property. You can use the [status_details.inactive.action](https://docs.stripe.com/api/financial_connections/accounts/object.md?api-version=2026-01-28.preview#financial_connections_account_object-status_details-inactive-action) property to determine whether a Financial Connections Account or Financial Connections Authorization can be relinked.

Completed sessions now include the [relink_result](https://docs.stripe.com/api/financial_connections/sessions/object.md?api-version=2026-01-28.preview#financial_connections_session_object-relink_result) property to indicate whether the user relinked the expected authorization or failed to complete the authentication flow.

When the authentication flow completes successfully:

- The Financial Connections Authorization and its associated accounts return to an `active` [status](https://docs.stripe.com/api/financial_connections/authorizations/object.md?api-version=2026-01-28.preview#financial_connections_authorization_object-status).
- The Financial Connections Accounts for previously-deactivated Tokenized Account Numbers return to a `transactable` [status](https://docs.stripe.com/api/financial_connections/accounts/object.md?api-version=2026-01-28.preview#financial_connections_account_object-status).

## Impact

You can now relink Financial Connections Accounts when they become deactivated due to authentication issues or account changes at the financial institution.

Learn more about Relink in the [Financial Connections documentation](https://docs.stripe.com/financial-connections/relink.md).

## Changes

#### REST API

|  | Change | Resource                                                                                                              |
|  | ------ | --------------------------------------------------------------------------------------------------------------------- |
|  | Added  | [FinancialConnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Endpoint   | Change | Resource                                                                                                              |
| ---------- | ------ | --------------------------------------------------------------------------------------------------------------------- |
| `retrieve` | Added  | [FinancialConnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Parameters                        | Change | Resources or endpoints                                                                                                                                                                                                                                           |
| --------------------------------- | ------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `authorization`, `status_details` | Added  | [FinancialConnections.Account](/api/financial_connections/accounts/object?api-version=2026-01-28.preview)                                                                                                                                                        |
| `relink_options`                  | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview), [FinancialConnections.Session#create](/api/financial_connections/sessions/create?api-version=2026-01-28.preview#create_financial_connections_session) |
| `relink_result`                   | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview)                                                                                                                                                        |

| Field                                                | Change  | From → to             |
| ---------------------------------------------------- | ------- | --------------------- |
| `FinancialConnections.Session#create.account_holder` | Changed | `required → optional` |

#### Ruby

|  | Change | Resource                                                                                                               |
|  | ------ | ---------------------------------------------------------------------------------------------------------------------- |
|  | Added  | [FinancialConnections::Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Method     | Change | Resource                                                                                                               |
| ---------- | ------ | ---------------------------------------------------------------------------------------------------------------------- |
| `retrieve` | Added  | [FinancialConnections::Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Parameters                        | Change | Resources or methods                                                                                                                                                                                                                                                    |
| --------------------------------- | ------ | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `authorization`, `status_details` | Added  | [FinancialConnections::Account](/api/financial_connections/accounts/object?api-version=2026-01-28.preview)                                                                                                                                                              |
| `relink_options`                  | Added  | [FinancialConnections::Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview), [FinancialConnections::SessionCreateParams](/api/financial_connections/sessions/create?api-version=2026-01-28.preview#create_financial_connections_session) |
| `relink_result`                   | Added  | [FinancialConnections::Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview)                                                                                                                                                              |

| Field                                                      | Change  | From → to             |
| ---------------------------------------------------------- | ------- | --------------------- |
| `FinancialConnections::SessionCreateParams.account_holder` | Changed | `required → optional` |

#### Python

|  | Change | Resource                                                                                                               |
|  | ------ | ---------------------------------------------------------------------------------------------------------------------- |
|  | Added  | [financial_connections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Method     | Change | Resource                                                                                                               |
| ---------- | ------ | ---------------------------------------------------------------------------------------------------------------------- |
| `retrieve` | Added  | [financial_connections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Parameters                        | Change | Resources or methods                                                                                                                                                                                                                                                   |
| --------------------------------- | ------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `authorization`, `status_details` | Added  | [FinancialConnections.Account](/api/financial_connections/accounts/object?api-version=2026-01-28.preview)                                                                                                                                                              |
| `relink_options`                  | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview), [financial_connections.SessionCreateParams](/api/financial_connections/sessions/create?api-version=2026-01-28.preview#create_financial_connections_session) |
| `relink_result`                   | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview)                                                                                                                                                              |

| Field                                                      | Change  | From → to             |
| ---------------------------------------------------------- | ------- | --------------------- |
| `financial_connections.SessionCreateParams.account_holder` | Changed | `required → optional` |

#### PHP

|  | Change | Resource                                                                                                              |
|  | ------ | --------------------------------------------------------------------------------------------------------------------- |
|  | Added  | [FinancialConnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Method     | Change | Resource                                                                                                              |
| ---------- | ------ | --------------------------------------------------------------------------------------------------------------------- |
| `retrieve` | Added  | [FinancialConnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Parameters                        | Change | Resources or methods                                                                                                                                                                                                                                                       |
| --------------------------------- | ------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `authorization`, `status_details` | Added  | [FinancialConnections.Account](/api/financial_connections/accounts/object?api-version=2026-01-28.preview)                                                                                                                                                                  |
| `relink_options`                  | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview), [FinancialConnections\Session.create().$params](/api/financial_connections/sessions/create?api-version=2026-01-28.preview#create_financial_connections_session) |
| `relink_result`                   | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview)                                                                                                                                                                  |

| Field                                                          | Change  | From → to             |
| -------------------------------------------------------------- | ------- | --------------------- |
| `FinancialConnections\Session.create().$params.account_holder` | Changed | `required → optional` |

#### Java

|  | Change | Resource                                                                                                              |
|  | ------ | --------------------------------------------------------------------------------------------------------------------- |
|  | Added  | [financialconnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Method     | Change | Resource                                                                                                              |
| ---------- | ------ | --------------------------------------------------------------------------------------------------------------------- |
| `retrieve` | Added  | [financialconnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Parameters                       | Change | Resources or methods                                                                                                                                                                                                                                                  |
| -------------------------------- | ------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `authorization`, `statusDetails` | Added  | [financialconnections.Account](/api/financial_connections/accounts/object?api-version=2026-01-28.preview)                                                                                                                                                             |
| `relinkOptions`                  | Added  | [financialconnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview), [financialconnections.SessionCreateParams](/api/financial_connections/sessions/create?api-version=2026-01-28.preview#create_financial_connections_session) |
| `relinkResult`                   | Added  | [financialconnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview)                                                                                                                                                             |

| Field                                                    | Change  | From → to             |
| -------------------------------------------------------- | ------- | --------------------- |
| `financialconnections.SessionCreateParams.accountHolder` | Changed | `required → optional` |

#### Node.js

|  | Change | Resource                                                                                                              |
|  | ------ | --------------------------------------------------------------------------------------------------------------------- |
|  | Added  | [FinancialConnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Method     | Change | Resource                                                                                                              |
| ---------- | ------ | --------------------------------------------------------------------------------------------------------------------- |
| `retrieve` | Added  | [FinancialConnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Parameters                        | Change | Resources or methods                                                                                                                                                                                                                                                  |
| --------------------------------- | ------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `authorization`, `status_details` | Added  | [FinancialConnections.Account](/api/financial_connections/accounts/object?api-version=2026-01-28.preview)                                                                                                                                                             |
| `relink_options`                  | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview), [FinancialConnections.SessionCreateParams](/api/financial_connections/sessions/create?api-version=2026-01-28.preview#create_financial_connections_session) |
| `relink_result`                   | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview)                                                                                                                                                             |

| Field                                                     | Change  | From → to             |
| --------------------------------------------------------- | ------- | --------------------- |
| `FinancialConnections.SessionCreateParams.account_holder` | Changed | `required → optional` |

#### Go

|  | Change | Resource                                                                                                             |
|  | ------ | -------------------------------------------------------------------------------------------------------------------- |
|  | Added  | [FinancialConnectionsAuthorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Method | Change | Resource                                                                                                             |
| ------ | ------ | -------------------------------------------------------------------------------------------------------------------- |
| `Get`  | Added  | [FinancialConnectionsAuthorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Parameters                       | Change | Resources or methods                                                                                                                                                                                                                                          |
| -------------------------------- | ------ | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `Authorization`, `StatusDetails` | Added  | [FinancialConnectionsAccount](/api/financial_connections/accounts/object?api-version=2026-01-28.preview)                                                                                                                                                      |
| `RelinkOptions`                  | Added  | [FinancialConnectionsSession](/api/financial_connections/sessions/object?api-version=2026-01-28.preview), [FinancialConnectionsSessionParams](/api/financial_connections/sessions/create?api-version=2026-01-28.preview#create_financial_connections_session) |
| `RelinkResult`                   | Added  | [FinancialConnectionsSession](/api/financial_connections/sessions/object?api-version=2026-01-28.preview)                                                                                                                                                      |

#### .NET

|  | Change | Resource                                                                                                              |
|  | ------ | --------------------------------------------------------------------------------------------------------------------- |
|  | Added  | [FinancialConnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Method | Change | Resource                                                                                                              |
| ------ | ------ | --------------------------------------------------------------------------------------------------------------------- |
| `Get`  | Added  | [FinancialConnections.Authorization](/api/financial_connections/authorizations/object?api-version=2026-01-28.preview) |

| Parameters                       | Change | Resources or methods                                                                                                                                                                                                                                                   |
| -------------------------------- | ------ | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| `Authorization`, `StatusDetails` | Added  | [FinancialConnections.Account](/api/financial_connections/accounts/object?api-version=2026-01-28.preview)                                                                                                                                                              |
| `RelinkOptions`                  | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview), [FinancialConnections.SessionCreateOptions](/api/financial_connections/sessions/create?api-version=2026-01-28.preview#create_financial_connections_session) |
| `RelinkResult`                   | Added  | [FinancialConnections.Session](/api/financial_connections/sessions/object?api-version=2026-01-28.preview)                                                                                                                                                              |

## 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: 2026-01-28.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 the latest version.
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 the latest version.
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 the latest version.
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 the latest version.
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 the latest version.
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 the latest version.
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 the latest version.
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

- [Adds account holder information to Financial Address credentials for US bank accounts](https://docs.stripe.com/changelog/clover/2026-01-28/financial-address-account-holder-information.md)