# Updates the Received Credits v2 API shape ## What’s new Updates the [Received Credits v2](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-10-28.preview) API with breaking changes to the [bank_transfer](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) hash: - Removes `us_bank_account`, `gb_bank_account`, and `sepa_bank_account`. - Uses the [bank_transfer.originating_bank_account](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-originating_bank_account), which has a credential-based structure with `aba`, `iban`, and `sort_code` sub-types. ## Why is this a breaking change? Removes country-specific bank account properties. Before upgrading, update your integration if it reads `us_bank_account`, `gb_bank_account`, or `sepa_bank_account`. ## Impact If your integration uses the Received Credits API, replace any code that reads [us_bank_account](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-09-30.preview#v2_received_credit_object-bank_transfer-us_bank_account), [gb_bank_account](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-09-30.preview#v2_received_credit_object-bank_transfer-gb_bank_account), or [sepa_bank_account](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-09-30.preview#v2_received_credit_object-bank_transfer-sepa_bank_account) on the `bank_transfer` hash with [bank_transfer.originating_bank_account](https://docs.stripe.com/api/v2/money-management/received-credits/object.md?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer-originating_bank_account). ## Changes #### REST API | Parameters | Change | Resources or endpoints | | --- | --- | --- | | `gb_bank_account`, `sepa_bank_account`, `us_bank_account` | Removed | [V2.MoneyManagement.ReceivedCredit.bank_transfer](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) | #### Ruby | Parameters | Change | Resources or methods | | --- | --- | --- | | `gb_bank_account`, `sepa_bank_account`, `us_bank_account` | Removed | [V2::MoneyManagement::ReceivedCredit::BankTransfer](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) | #### Python | Parameters | Change | Resources or methods | | --- | --- | --- | | `gb_bank_account`, `sepa_bank_account`, `us_bank_account` | Removed | [V2.MoneyManagement.ReceivedCredit.BankTransfer](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) | #### PHP | Parameters | Change | Resources or methods | | --- | --- | --- | | `gb_bank_account`, `sepa_bank_account`, `us_bank_account` | Removed | [V2.MoneyManagement.ReceivedCredit.bank_transfer](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) | #### Java | Parameters | Change | Resources or methods | | --- | --- | --- | | `gbBankAccount`, `sepaBankAccount`, `usBankAccount` | Removed | [v2.moneymanagement.ReceivedCredit.bank_transfer](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) | #### Node.js | Parameters | Change | Resources or methods | | --- | --- | --- | | `gb_bank_account`, `sepa_bank_account`, `us_bank_account` | Removed | [V2.MoneyManagement.ReceivedCredit.bank_transfer](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) | #### Go | Parameters | Change | Resources or methods | | --- | --- | --- | | `GBBankAccount`, `SEPABankAccount`, `USBankAccount` | Removed | [V2MoneyManagementReceivedCreditBankTransfer](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) | #### .NET | Parameters | Change | Resources or methods | | --- | --- | --- | | `GbBankAccount`, `SepaBankAccount`, `UsBankAccount` | Removed | [V2.MoneyManagement.ReceivedCredit.BankTransfer](/api/v2/money-management/received-credits/object?api-version=2026-10-28.preview#v2_received_credit_object-bank_transfer) | ## Upgrade #### REST API 1. [View your current API version](https://docs.stripe.com/workbench/guides.md#view-api-versions) 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-versions.md#how-versions-are-specified-in-requests) to include `Stripe-Version: 2026-10-28.preview` 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). 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 - [Removes deposit insurance eligibility from the create parameters for Financial Accounts](https://docs.stripe.com/changelog/endive/2026-10-28/deposit-insurance-eligibility-financial-accounts-create-removal.md) - [Updates the Financial Addresses v2 API shape](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-v2-api-shape-updates.md) - [Adds support for EUR currency and SEPA networks to Financial Addresses](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-eur-currency-sepa-networks-support.md) - [Updates the settlement currency property on Financial Addresses](https://docs.stripe.com/changelog/endive/2026-10-28/financial-addresses-settlement-currency.md) - [Adds APIs and capabilities for outbound payments and transfers](https://docs.stripe.com/changelog/endive/2026-10-28/outbound-flows-api-updates.md) - [Adds SEPA Instant Credit Transfer as a received credit network type](https://docs.stripe.com/changelog/endive/2026-10-28/sepa-instant-credit-transfer-received-credit-network-type.md)