# Adds Payment Method support to Top-ups

## What’s new

Adds the ability to process top-ups in the US using the [Payment Methods](https://docs.stripe.com/api/payment_methods.md?api-version=2026-07-29.dahlia) API. This change adds two new properties to the [Top-up](https://docs.stripe.com/api/topups/object.md?api-version=2026-07-29.dahlia) object:

- [payment_method](https://docs.stripe.com/api/topups/object.md?api-version=2026-07-29.dahlia#topup_object-payment_method): The ID of the [PaymentMethod](https://docs.stripe.com/api/payment_methods/object.md?api-version=2026-07-29.dahlia) object used for the top-up. Currently only supports [us_bank_account](https://docs.stripe.com/api/payment_methods/object.md?api-version=2026-07-29.dahlia#payment_method_object-us_bank_account) payment methods types.
- [payment_method_options](https://docs.stripe.com/api/topups/object.md?api-version=2026-07-29.dahlia#topup_object-payment_method_options): The payment method-specific configuration for the top-up. The `us_bank_account` sub-hash includes a `network` property enum that specifies the US bank transfer network used (defaults to `ach`).

## Impact

You can now use the Payment Methods API instead of the [Sources API](https://docs.stripe.com/sources.md) when creating and managing [Top-ups](https://docs.stripe.com/connect/top-ups.md) in the US. To use this new behavior, pass a `us_bank_account` PaymentMethod ID in the `payment_method` parameter when creating a top-up, and optionally configure the transfer network using `payment_method_options.us_bank_account.network`.

## Changes

#### REST API

| Parameters | Change | Resources or endpoints |
| --- | --- | --- |
| `payment_method`, `payment_method_options` | Added | [Topup](/api/topups/object?api-version=2026-07-29.dahlia#topup_object) |

#### Ruby

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `payment_method`, `payment_method_options` | Added | [Topup](/api/topups/object?api-version=2026-07-29.dahlia#topup_object) |

#### Python

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `payment_method`, `payment_method_options` | Added | [Topup](/api/topups/object?api-version=2026-07-29.dahlia#topup_object) |

#### PHP

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `payment_method`, `payment_method_options` | Added | [Topup](/api/topups/object?api-version=2026-07-29.dahlia#topup_object) |

#### Java

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `paymentMethod`, `paymentMethodOptions` | Added | [Topup](/api/topups/object?api-version=2026-07-29.dahlia#topup_object) |

#### Node.js

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `payment_method`, `payment_method_options` | Added | [Topup](/api/topups/object?api-version=2026-07-29.dahlia#topup_object) |

#### Go

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `PaymentMethod`, `PaymentMethodOptions` | Added | [Topup](/api/topups/object?api-version=2026-07-29.dahlia#topup_object) |

#### .NET

| Parameters | Change | Resources or methods |
| --- | --- | --- |
| `PaymentMethod`, `PaymentMethodOptions` | Added | [Topup](/api/topups/object?api-version=2026-07-29.dahlia#topup_object) |

## 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: 2026-07-29.dahlia`
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).

## Related changes

- [Adds the ability to show who initiated a top-up](https://docs.stripe.com/changelog/dahlia/2026-07-29/top-up-initiated-by-property.md)
- [Adds new address fields to Accounts v1 for Singapore compliance](https://docs.stripe.com/changelog/dahlia/2026-07-29/accounts-v1-address-fields.md)
- [Adds a new Smart Disputes management feature to Account Session embedded components](https://docs.stripe.com/changelog/dahlia/2026-07-29/account-session-embedded-components-smart-disputes-management.md)
- [Adds new address fields to Accounts v2 for Singapore compliance](https://docs.stripe.com/changelog/dahlia/2026-07-29/accounts-v2-address-fields.md)
- [Enables rejecting connected accounts with non-zero balances and controlling whether to pause payouts](https://docs.stripe.com/changelog/dahlia/2026-07-29/reject-connected-accounts-with-non-zero-balances.md)
- [Adds the ability to reverse platform rejections on connected accounts](https://docs.stripe.com/changelog/dahlia/2026-07-29/unreject-connected-account-endpoint.md)