# Cross-border payouts

Transfer and pay out funds to connected accounts in other countries.

Use cross-border payouts to transfer funds to connected accounts in their local currencies when your platform and connected accounts are in different supported regions.

## Availability

Platforms based in the US, UK, EEA, Canada, or Switzerland can transfer funds to connected accounts in any of those regions, regardless of the payment settlement currency. For example:

- A platform in the UK can pay out to a seller in the US.
- A platform in Germany can pay out to a seller in Canada.

Stripe doesn’t support self-serve cross-border payouts to countries outside the listed regions. [Contact sales](https://stripe.com/contact) to discuss alternatives, or use Global Payouts.

## Compare integrations

Global Payouts allows platforms in [certain countries](https://docs.stripe.com/global-payouts.md#availability) to transfer funds to recipients in [any supported country](https://docs.stripe.com/global-payouts/recipient-requirements.md). Use the following table to choose between cross-border payouts and Global Payouts.

| Factor | Connect cross-border payouts | Global Payouts |
| --- | --- | --- |
| Behavior | Onboard users to your platform and split payments or pay out balances to them. | Send money directly to the bank account of a third party. |
| Platform location | US, UK, EEA, CA, and CH | US, UK |
| Best for | Businesses that:
- Prefer a bundled solution for payments and payouts.
- Want to provide payee tools to track and manage earnings. | Businesses that:
- Want to decouple payouts from payments.
- Want to pay out using only the recipient email address. |
| Compliance | Shift legal and compliance requirements to Stripe using the Stripe Money Transmitter license. | Manage your own legal and compliance requirements. This might require a Money Transmitter license if you manage your customers’ funds. |
| Use cases | - Marketplaces that exclusively use Stripe as their payments processor
- Global financial services and insurance platforms
- Franchises | - Insurance claims payouts
- Fintech salary advances and disbursements
- Rebate, warranty, and rewards payouts
- Affiliate payouts
- Marketplaces that use multiple payment processors, decouple payments from payouts, or require funds segregation |
| Guidance | This guide | [Global payouts](https://docs.stripe.com/global-payouts.md) |

## Pricing

Cross-border payout fees depend on the location of the recipient. See [Connect payout pricing](https://stripe.com/connect/pricing#payouts).

## Limitations

- **Service agreement**: You can’t make cross-border payouts to connected accounts under a [recipient service agreement](https://stripe.com/connect-account/legal/recipient). For those accounts, use [Global payouts](https://docs.stripe.com/global-payouts.md).
- **Supported funds flows**: Cross border payments supports the following funds flows
  - [Separate charges and transfers](https://docs.stripe.com/connect/separate-charges-and-transfers.md) without `on_behalf_of`
  - [Top-ups and transfers](https://docs.stripe.com/connect/top-ups.md)
  - [Destination charges](https://docs.stripe.com/connect/destination-charges.md) without `on_behalf_of`

## See also

- [Required verification information](https://docs.stripe.com/connect/required-verification-information.md)
- [Supported settlement currencies](https://docs.stripe.com/connect/payouts-connected-accounts.md#supported-settlement)
- [Bank account formats](https://docs.stripe.com/connect/payouts-bank-accounts.md)