Moving money with Treasury using InboundTransfer objects

Inbound transfers move money from an external US bank account into a financial account using the ACH network. These transfers are initiated with InboundTransfer objects.

Inbound transfers take 2-4 business days to complete unless you’re using the same-day ACH capability. For more information, see the Money movement timelines guide.

Create an InboundTransfer

Use POST /v1/treasury/inbound_transfers to create an InboundTransfer object, which represents pull-based transfers from an external account that you own into your financial account. In other words, you create an InboundTransfer to move funds into your financial account by debiting your external US bank account. You must include the following parameters with your request:

• amount: The amount in cents to be transferred into the financial account.
• currency: Three-letter ISO currency code (usd is currently the only supported value).
• financial_account: The ID of the financial account receiving the transfer.
• origin_payment_method: The source of funds for the inbound transfer. You must first set up the account-attached payment method for inbound flows and verify the bank account using a SetupIntent. Alternatively, you can use an existing BankAccount previously set up as a verified ExternalAccount. Whether you use a payment method or a bank account, you need the account owner’s permission to debit the funds from the account.

The following JSON shows the data you can include in the body of your request.

{
  // The source PaymentMethod or BankAccount. Funds are pulled from this account.
  "origin_payment_method": "{{PAYMENT_METHOD_ID}}" | "{{BANK_ACCOUNT_ID}}",
  // The destination FinancialAccount. Funds arrive in this account.
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
  // The amount to debit. 10.00 USD in this case.
  "amount": 1000,
  "currency": "usd",
  // An optional, internal description for the InboundTransfer.
  "description": "Funds for vendor payment payment_234281",
  // An optional descriptor for the InboundTransfer to send
  // to the network with the debit request. Max 10 characters
  "statement_descriptor": "payment_1",
  // Stripe does not support updating InboundTransfers after creation.
  // You can only set metadata at creation time.
  "metadata": null | {{Hash}}
}

The following request transfers 200 USD using an account-attached payment method into the financial account with the provided ID. The Stripe-Account header value identifies the Stripe account that owns both the financial account and the payment method.

curl https://api.stripe.com/v1/treasury/inbound_transfers \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d origin_payment_method=
{{PAYMENT_METHOD_ID}} \
  -d financial_account=
{{FINANCIAL_ACCOUNT_ID}} \
  -d amount=20000 \
  -d currency=usd \
  -d description="Funds for repair" \
  -d statement_descriptor="Invoice 12"

If successful, the response provides the InboundTransfer object. The object includes a hosted_regulatory_receipt_url that provides access to details of the transaction for the account holder on your platform.

{
    "id": "{{INBOUND_TRANSFER_ID}}",
    "object": "inbound_transfer",
    "amount": 20000,
    "created": 1648071297,
    "currency": "usd",
    "description": "Funds for repair",
    "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
    "hosted_regulatory_receipt_url": "https://payments.stripe.com/regulatory-receipt/{{IBT_URL}}",
    "linked_flows": null,
    "livemode": false,
    "metadata": {},
    "origin_payment_method": "{{PAYMENT_METHOD_ID}}",
    ...
    "statement_descriptor": "Invoice 12",
    "status": "processing",
    ...
}

Same-day ACH

Using same-day ACH enables funds to arrive in the originating financial account within the same business day if the InboundTransfer call successfully completes before the cutoff time. To use same-day ACH, set the origin_payment_method_options.us_bank_account.ach.submission parameter to same_day.

Retrieve an InboundTransfer

Use GET /v1/treasury/inbound_transfers/{{INBOUND_TRANSFER_ID}} to retrieve the InboundTransfer object with the associated ID.

The following JSON shows the data you can include in the body of your request. Some of the parameters in the response have additional details that are only returned when you add them as values to the expand[] parameter. The fields that you can expand have an “Expandable” comment in the following response example. See Expanding Responses to learn more about expanding object responses.

{
  "id": "{{INBOUND_TRANSFER_ID}}",
  "object": "inbound_transfer",
  "livemode": false,
  "created": "{{Timestamp}}",
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}", // Expandable
  "amount": 1000,
  "currency": "usd",
  // The only current valid PaymentMethod type for InboundTransfers is us_bank_account
  "origin_payment_method": "{{PAYMENT_METHOD_ID}}",

The following request retrieves the InboundTransfer with the id value of {{INBOUND_TRANSFER_ID}}. Including transaction in the expand[] array of the body returns the relevant expanded information.

curl -G https://api.stripe.com/v1/treasury/inbound_transfers/{{INBOUND_TRANSFER_ID}} \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d "expand[]"=financial_account

If successful, the response returns the InboundTransfer object with the expanded information.

{
    "id": "{{INBOUND_TRANSFER_ID}}",
    "object": "inbound_transfer",
    "amount": 20000,
    "created": 1648071297,
    "currency": "usd",
    "description": "Inbound transfer",
    "failure_details": null,
    "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
    "hosted_regulatory_receipt_url": "https://payments.stripe.com/regulatory-receipt/{{INBOUND_TRANSFER_ID}}",

List InboundTransfers

Use GET /v1/treasury/inbound_transfers to retrieve all the InboundTransfers for the financial account with the associated ID. You can filter the list with the standard list parameters or by status.

{
  // Standard list parameters
  "limit", "starting_after", "ending_before",
  // Filter by status
  "status": "processing" | "succeeded" | "failed",
  // Filter by FinancialAccount (Required)
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}", // Required
}

The following request retrieves all the inbound transfers with a status of succeeded for the financial account with ID {{FINANCIAL_ACCOUNT_ID}}, which is attached to the connected account with ID {{CONNECTED_ACCOUNT_ID}}.

curl -G https://api.stripe.com/v1/treasury/inbound_transfers \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d financial_account=
{{FINANCIAL_ACCOUNT_ID}} \
  -d status=succeeded

Manually review InboundTransfers

You can reduce the risk of inbound transfers by delaying when they’re submitted to our banking partners or by holding funds for an extended period. These holds can provide you with additional time to review potentially suspicious activity. You can request access to the inbound_transfers.ach.platform_review feature to make financial accounts with this feature enabled receive all inbound transfers with a requires_confirmation status.

Below is an example of setting this feature on a new financial account. You can also add other features.

curl https://api.stripe.com/v1/treasury/financial_accounts \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d "supported_currencies[]"=usd \
  -d "inbound_transfers[ach][requested]"=true \
  -d "inbound_transfers[ach][platform_review][requested]"=true

Below is an example of setting this feature on an existing financial account.

curl https://api.stripe.com/v1/treasury/financial_accounts/fa_xxx/features \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d "supported_currencies[]"=usd \
  -d "inbound_transfers[ach][requested]"=true \
  -d "inbound_transfers[ach][platform_review][requested]"=true

Typically, we automatically send inbound transfers to the bank upon creation. However, inbound transfers with a requires_confirmation status require explicit user confirmation through the /v1/treasury/inbound_transfers/{id}/confirm endpoint before we can submit the transfers to our banking partners. You can review the inbound transfer details and risk signals before confirming or canceling the transfer. You have 5 business days to confirm or cancel inbound transfers in the requires_confirmation state. After 5 business days, the inbound transfer is automatically canceled. For example, you have until the following Friday to confirm an inbound transfer with the requires_confirmation state that’s created on a Friday (assuming no US holidays).

Use the funds_availability_delay parameter with the confirm endpoint to specify the delay (in seconds) to hold the funds before releasing them to the intended financial account. This allows you to use the additional delay to manually review a transfer. You can also use this field to hold funds past the ACH return window, so the originating bank can’t recall funds after they’re spent. For extra security, set funds_availability_delay to 432,000, which releases funds beyond the return window.

Below is an example of calling the confirm endpoint without an availability delay.

curl -X POST https://api.stripe.com/v1/treasury/inbound_transfers/ibt_xxx/confirm \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
"

Below is an example of calling the confirm endpoint with an availability delay.

curl https://api.stripe.com/v1/treasury/inbound_transfers/ibt_xxx/confirm \
  -u "
sk_test_BQokikJOvBiI2HlWgH4olfQ2
:" \
  -H "Stripe-Account: 
{{CONNECTED_ACCOUNT_ID}}
" \
  -d funds_availability_delay=432000

InboundTransfer states

The following table describes each status and what the possible transition states are.

Test InboundTransfers

To test your integration end-to-end, use test SetupIntents requests to create a PaymentMethod, then pass that PaymentMethod into an InboundTransfer creation request. Valid PaymentMethods result in succeeded InboundTransfers, while invalid PaymentMethods (for example, of unsupported types, containing an unverified bank account, or not set up for inbound flows) throw the same errors as in live mode.

Test InboundTransfer states

Stripe also provides a set of test PaymentMethod tokens you can use to trigger specific state transitions:

To test various edge cases more quickly, PaymentMethod tokens simulate specific failure types:

In all cases, the InboundTransfer response begins in the processing state. You receive webhooks for each relevant state transition, and fetching the InboundTransfer after creation returns the expected state.

InboundTransfer test helper endpoints

Stripe also provides endpoints that enable you to test InboundTransfers in different states. Create an InboundTransfer, then:

• Use the test succeed endpoint to move the transfer with the associated ID directly into the succeeded state.

  POST /v1/test_helpers/treasury/inbound_transfers/{{INBOUND_TRANSFER_ID}}/succeed

• Use the test fail endpoint to move the transfer with the associated ID directly into the failed state.

  POST /v1/test_helpers/treasury/inbound_transfers/{{INBOUND_TRANSFER_ID}}/fail

These endpoints are particularly useful when testing error scenarios, such as returns, which would otherwise require action from the external account the InboundTransfer was pulling funds from.

Include the optional failure_details.code parameter in the body to indicate why the transfer failed. If you don’t provide it, the transfer fails with the default could_not_process failure code.

{
  "failure_details": {
    "code": "account_closed" |
          "account_frozen" |
          "bank_account_restricted" |
          "bank_ownership_changed" |
          "could_not_process" | // Generic fallback code
          "invalid_account_number" |
          "incorrect_account_holder_name" |
          "invalid_currency" |
          "no_account"
  }
}

Treasury also provides a return endpoint to simulate an InboundTransfer that succeeds, but is later returned.

Use the test return endpoint to initiate the simulated return on the InboundTransfer with the associated ID.

POST /v1/test_helpers/treasury/inbound_transfers/{{INBOUND_TRANSFER_ID}}/return

All test endpoints trigger webhooks for each relevant state transition, and fetching the InboundTransfer after transition returns the expected state.

InboundTransfer webhooks

Stripe emits the following InboundTransfer events to your webhook endpoint:

• treasury.inbound_transfer.created on InboundTransfer creation.
• treasury.inbound_transfer.{{new_status}} when an InboundTransfer changes status. Available status value options include:
  • treasury.inbound_transfer.succeeded
  • treasury.inbound_transfer.failed