Money movement timelines

Financial Accounts for platforms integrates with banking partners and payment networks, which have varying processing and cutoff times.

OutboundPayment and OutboundTransfer transactions

Bank Partner Timelines

Stripe estimates the expected arrival date based on bank partner cutoff timing, payment method, and network speed. Slight delays can occur. You can programmatically access the expected_arrival_date attribute on the OutboundPayment or the OutboundTransfer to reference when Stripe expects the funds to arrive at their destination based on bank partner cutoff times.

Requests, including default speed requests, that are received after the cutoff time are processed the following business day. Same-day ACH requests received after the cutoff time arrive by the end of the following business day.

InboundTransfer transactions

Bank Partner Timelines

ReceivedCredit and ReceivedDebit transactions

Credits and debits initiated from outside Stripe and received on a financial account are processed as soon as Stripe receives notification of the transfer. The time it takes to complete the transfer depends on the originating institution.

Automatic payouts

All platforms using Financial Accounts for platforms have access to standard automatic payouts, which move money from Stripe Payments to a financial account on a T+2 or slower schedule from the time of transaction (T+2 for card payments, slower for ACH).

You can request a platform risk review to access faster payouts; upon approval, your platform can use T+1 automatic payouts for connected accounts. T+1 faster payout schedules apply to all payment types, including both card payments and ACH payments, and the timelines start when the transaction occurs (faster payouts eliminate the need to wait for standard payments fund settlement times).

To request access to faster payouts for your platform, email treasury-support@stripe.com.

For more details, see the Automatic payouts guide.

Manual payouts

Platforms using Financial Accounts for platforms also have access to standard manual payouts, which move funds in one business day (T+1 schedule) but can only draw on an account’s available payments balance. In other words, you must wait for funds from a payment to settle in the payments balance before initiating a standard manual payout to a financial account.

Platforms granted access to faster payouts also have access to instant manual payouts. Instant manual payouts move funds to a connected account’s financial account within an hour (T+0 schedule) and are available any time, including nights, weekends, and holidays. Instant manual payouts are drawn on a connected account’s instant_available balance rather than being limited to the available balance.

For more details, see the Manual payouts guide.

Top-ups

Stripe Connect platform users can top up their existing Stripe platform account balance using a financial account by verifying the routing and account numbers. These funds settle to your account balance according to Top-ups settlement timing.

For more details, see Adding funds to your platform balance.

Same-day ACH regulations

ACH transactions are regulated by Nacha. Consider the following when using same-day ACH:

• Individual same-day ACH transactions can’t exceed 1,000,000 USD. If you submit a larger single transaction for same-day processing, Stripe remits the funds for processing on the following day.
• The 1,000,000 USD limit applies only to single transactions. You can submit multiple smaller transactions that total more than 1,000,000 USD for same-day processing.