# Updates the Vaulted bank account credentials and Payout Methods v2 APIs

## What’s new

Updates the Vaulted bank account credentials and [Payout Methods](https://docs.stripe.com/api/v2/money-management/payout-methods.md?api-version=2026-10-28.preview) APIs:

- Adds endpoints to unarchive core vault [US bank accounts](https://docs.stripe.com/api/v2/core/vault/us-bank-accounts/unarchive.md?api-version=2026-10-28.preview) and [GB bank accounts](https://docs.stripe.com/api/v2/core/vault/gb-bank-accounts/unarchive.md?api-version=2026-10-28.preview). These endpoints support native v2 credentials with `archive` set to `true`. Attempting to unarchive a projected credential returns an error of type `controlled_by_alternate_resource`.

- Removes the `futsu` and `toza` bank account types from the [GB bank account](https://docs.stripe.com/api/v2/core/vault/gb-bank-accounts/object.md?api-version=2026-10-28.preview) object. These types appeared in the documentation but weren’t accepted when creating GB bank accounts. Their removal doesn’t require integration changes.

- Marks the [payout_method](https://docs.stripe.com/api/v2/money-management/outbound-setup-intents/object.md?api-version=2026-10-28.preview#v2_outbound_setup_intent_object-payout_method) field on the [Outbound Setup Intent](https://docs.stripe.com/api/v2/money-management/outbound-setup-intents/object.md?api-version=2026-10-28.preview) object as optional.

- Changes the [verification_status](https://docs.stripe.com/api/v2/core/vault/us-bank-accounts/list.md?api-version=2026-10-28.preview#v2_list_us_bank_accounts-verification_status) request parameter for the [List US bank accounts](https://docs.stripe.com/api/v2/core/vault/us-bank-accounts/list.md?api-version=2026-10-28.preview) endpoint from a `string` to an `enum`.

## Why is this a breaking change?

Removes `futsu` and `toza` from the supported [bank account types](https://docs.stripe.com/api/v2/core/vault/gb-bank-accounts/object.md?api-version=2026-10-28.preview#v2_gb_bank_account_object-bank_account_type) on the GB bank account object. These Japanese bank account types appeared in the documentation but weren’t accepted when creating GB bank accounts. Their removal doesn’t require integration changes.

Changes the [verification status](https://docs.stripe.com/api/v2/core/vault/us-bank-accounts/list.md?api-version=2026-10-28.preview#v2_list_us_bank_accounts-verification_status) parameter for listing US bank accounts from a `string` to an `enum`. This doesn’t change how you send REST API requests because enum values are sent as strings. However, invalid values now return the `invalid_fields` error code instead of `invalid_verification_status`.

## Impact

You can now `unarchive` US and GB bank accounts using the Vaulted bank account credential endpoints. Previously, you could unarchive them only with the [Unarchive a payout method](https://docs.stripe.com/api/v2/money-management/payout-methods/unarchive.md?api-version=2026-10-28.preview) endpoint.

You can also create an empty [Outbound Setup Intent](https://docs.stripe.com/api/v2/money-management/outbound-setup-intents/create.md?api-version=2026-10-28.preview) by omitting all request parameters. The resulting object has a [status](https://docs.stripe.com/api/v2/money-management/outbound-setup-intents/object.md?api-version=2026-10-28.preview#v2_outbound_setup_intent_object-status) of `requires_payout_method`.

## Changes

#### REST API

| Endpoint | Change | Resources |
| --- | --- | --- |
| `unarchive` | Added | [V2.Core.Vault.GbBankAccount](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object), [V2.Core.Vault.UsBankAccount](/api/v2/core/vault/us-bank-accounts/object?api-version=2026-10-28.preview#v2_us_bank_account_object) |

| Values | Change | Enums |
| --- | --- | --- |
| `futsu`, `toza` | Removed | [V2.Core.Vault.GbBankAccount.bank_account_type](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object-bank_account_type), [V2.Core.Vault.GbBankAccount#create.bank_account_type](/api/v2/core/vault/gb-bank-accounts/create?api-version=2026-10-28.preview#v2_create_gb_bank_accounts-bank_account_type) |

| Fields | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.OutboundSetupIntent.payout_method` | Changed | `required → optional` |
| `V2.Core.Vault.UsBankAccount#list.verification_status` | Changed | `string → enum('awaiting_verification'|'unverified'|'verification_failed'|'verified')` |

| Codes | Change |  |
| --- | --- | --- |
| `blocked_payout_method_card` | Removed | `blocked_by_stripe` |
| `us_bank_account_microdeposits_requires_routing_number` | Added | `cannot_proceed` |
| `gb_bank_account_cannot_be_unarchived`, `us_bank_account_cannot_be_unarchived` | Added | `controlled_by_alternate_resource` |
| `invalid_payout_method_card` | Removed | `invalid_payout_method` |
| `archived_payout_method_card` | Removed | `quota_exceeded` |

#### Ruby

| Method | Change | Resources |
| --- | --- | --- |
| `unarchive` | Added | [V2::Core::Vault::GbBankAccount](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object), [V2::Core::Vault::UsBankAccount](/api/v2/core/vault/us-bank-accounts/object?api-version=2026-10-28.preview#v2_us_bank_account_object) |

| Field | Change | From → to |
| --- | --- | --- |
| `V2::MoneyManagement::OutboundSetupIntent.payout_method` | Changed | `required → optional` |

#### Python

| Method | Change | Resources |
| --- | --- | --- |
| `unarchive` | Added | [v2.core.vault.GbBankAccount](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object), [v2.core.vault.UsBankAccount](/api/v2/core/vault/us-bank-accounts/object?api-version=2026-10-28.preview#v2_us_bank_account_object) |

| Values | Change | Enums |
| --- | --- | --- |
| `futsu`, `toza` | Removed | [V2.Core.Vault.GbBankAccount.bank_account_type](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object-bank_account_type), [v2.core.vault.GbBankAccountCreateParams.bank_account_type](/api/v2/core/vault/gb-bank-accounts/create?api-version=2026-10-28.preview#v2_create_gb_bank_accounts-bank_account_type) |

| Fields | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.OutboundSetupIntent.payout_method` | Changed | `required → optional` |
| `v2.core.vault.UsBankAccountListParams.verification_status` | Changed | `string → enum('awaiting_verification'|'unverified'|'verification_failed'|'verified')` |

| Codes | Change |  |
| --- | --- | --- |
| `blocked_payout_method_card` | Removed | `BlockedByStripeError` |
| `us_bank_account_microdeposits_requires_routing_number` | Added | `CannotProceedError` |
| `gb_bank_account_cannot_be_unarchived`, `us_bank_account_cannot_be_unarchived` | Added | `ControlledByAlternateResourceError` |
| `invalid_payout_method_card` | Removed | `InvalidPayoutMethodError` |
| `archived_payout_method_card` | Removed | `QuotaExceededError` |

#### PHP

| Method | Change | Resources |
| --- | --- | --- |
| `unarchive` | Added | [V2.Core.Vault.GbBankAccount](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object), [V2.Core.Vault.UsBankAccount](/api/v2/core/vault/us-bank-accounts/object?api-version=2026-10-28.preview#v2_us_bank_account_object) |

| Values | Change | Enum |
| --- | --- | --- |
| `futsu`, `toza` | Removed | [V2.Core.Vault.GbBankAccount.bank_account_type](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object-bank_account_type) |

| Field | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.OutboundSetupIntent.payout_method` | Changed | `required → optional` |

#### Java

| Method | Change | Resources |
| --- | --- | --- |
| `unarchive` | Added | [v2.core.vault.GbBankAccount](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object), [v2.core.vault.UsBankAccount](/api/v2/core/vault/us-bank-accounts/object?api-version=2026-10-28.preview#v2_us_bank_account_object) |

| Values | Change | Enum |
| --- | --- | --- |
| `futsu`, `toza` | Removed | [v2.core.vault.GbBankAccountCreateParams.bankAccountType](/api/v2/core/vault/gb-bank-accounts/create?api-version=2026-10-28.preview#v2_create_gb_bank_accounts-bankAccountType) |

| Field | Change | From → to |
| --- | --- | --- |
| `v2.core.vault.UsBankAccountListParams.verificationStatus` | Changed | `string → enum('awaiting_verification'|'unverified'|'verification_failed'|'verified')` |

#### Node.js

| Method | Change | Resources |
| --- | --- | --- |
| `unarchive` | Added | [V2.Core.Vault.GbBankAccount](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object), [V2.Core.Vault.UsBankAccount](/api/v2/core/vault/us-bank-accounts/object?api-version=2026-10-28.preview#v2_us_bank_account_object) |

| Values | Change | Enums |
| --- | --- | --- |
| `futsu`, `toza` | Removed | [V2.Core.Vault.GbBankAccount.bank_account_type](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object-bank_account_type), [V2.Core.Vault.GbBankAccountCreateParams.bank_account_type](/api/v2/core/vault/gb-bank-accounts/create?api-version=2026-10-28.preview#v2_create_gb_bank_accounts-bank_account_type) |

| Fields | Change | From → to |
| --- | --- | --- |
| `V2.MoneyManagement.OutboundSetupIntent.payout_method` | Changed | `required → optional` |
| `V2.Core.Vault.UsBankAccountListParams.verification_status` | Changed | `string → enum('awaiting_verification'|'unverified'|'verification_failed'|'verified')` |

| Codes | Change |  |
| --- | --- | --- |
| `blocked_payout_method_card` | Removed | `BlockedByStripeError` |
| `us_bank_account_microdeposits_requires_routing_number` | Added | `CannotProceedError` |
| `gb_bank_account_cannot_be_unarchived`, `us_bank_account_cannot_be_unarchived` | Added | `ControlledByAlternateResourceError` |
| `invalid_payout_method_card` | Removed | `InvalidPayoutMethodError` |
| `archived_payout_method_card` | Removed | `QuotaExceededError` |

#### Go

| Method | Change | Resources |
| --- | --- | --- |
| `Unarchive` | Added | [V2CoreVaultGBBankAccount](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object), [V2CoreVaultUSBankAccount](/api/v2/core/vault/us-bank-accounts/object?api-version=2026-10-28.preview#v2_us_bank_account_object) |

| Values | Change | Enum |
| --- | --- | --- |
| `futsu`, `toza` | Removed | [V2CoreVaultGbBankAccount.BankAccountType](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object-BankAccountType) |

| Codes | Change |  |
| --- | --- | --- |
| `blocked_payout_method_card` | Removed | `BlockedByStripeError` |
| `us_bank_account_microdeposits_requires_routing_number` | Added | `CannotProceedError` |
| `gb_bank_account_cannot_be_unarchived`, `us_bank_account_cannot_be_unarchived` | Added | `ControlledByAlternateResourceError` |
| `invalid_payout_method_card` | Removed | `InvalidPayoutMethodError` |
| `archived_payout_method_card` | Removed | `QuotaExceededError` |

#### .NET

| Method | Change | Resources |
| --- | --- | --- |
| `Unarchive` | Added | [V2.Core.Vault.GbBankAccount](/api/v2/core/vault/gb-bank-accounts/object?api-version=2026-10-28.preview#v2_gb_bank_account_object), [V2.Core.Vault.UsBankAccount](/api/v2/core/vault/us-bank-accounts/object?api-version=2026-10-28.preview#v2_us_bank_account_object) |

## 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).