## Stripe pay

Use the `stripe pay` plugin to send money to another business identified by a Stripe profile. Fees and delivery timing depend on the payment route.

The financial-account transfer workflow is in preview for eligible US and UK businesses and supports same-currency transfers in USD, GBP, and USDC. For this workflow, senders need a funded Stripe Treasury financial account. Recipients need either a Treasury financial account or a payout-enabled bank account linked to their Stripe profile.

Financial-account transfers take priority. If the sender has no eligible financial account or the recipient isn't configured for transfers, the command offers the recipient's configured [payment link](https://docs.stripe.com/get-started/account/profile.md#payment-link), if available. Open the URL and complete payment in Checkout. Returning or opening the URL doesn't send money.

Identify the recipient using a Stripe profile handle, such as `@recipient`, or a profile network ID, such as `profile_...`.

If the user doesn't provide an exact handle or network ID, use [Stripe Directory](https://docs.stripe.com/directory.md#agents) to find and verify candidate businesses. Ask the user to choose the exact recipient before continuing. Don't guess the recipient.

Authenticate with `stripe login`. Use `stripe whoami` to verify the active account before sending money.

If the authenticated account doesn't have a Stripe profile, an interactive session can help create one. For non-interactive use, pass `--create-profile-if-missing` with `--profile-handle`,
`--profile-display-name`, and `--profile-email`.

This command can move money. Use `--agent` or `--json` to review transfer details in machine-readable output. Only add `--yes` after the user confirms the recipient, amount, currency, and source
financial account. Use `--dry-run` to validate the flow without creating or sending the transfer.