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HomeMoney managementIssuing cards

Issuing balance

Learn how to make funds available to your cards.

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To spend money using cards, add funds to the Issuing balance on your account. This balance represents funds reserved for Issuing and is safely separated from your earnings, payouts, and funds from other Stripe products.

     

Transferring funds from your Stripe balance

You can add funds to your Issuing balance by transferring funds from your main Stripe balance. Transfers from your Stripe balance are instant and available 24x7 in the US, or take one business day in the UK and euro area countries. This allows you to quickly and easily utilize earned funds from Stripe Payments for spend with Stripe Issuing.

You can only move an amount up to your available Stripe balance. Funds won’t be available in your Issuing balance while the transfer is pending.

Transferring balances in the Dashboard

  1. Click Add to balance button within the Issuing balance section of your Dashboard balances page.
  1. Choose to add funds to your Issuing balance.

You can initiate a transfer to your Issuing balance directly from your Stripe balance. If you have any Stripe balance available to use, you’ll see the amounts in the drop down when initiating a balance transfer.

The amounts available to use in the Stripe balance for transfers are broken down by source_type. For example, if your Stripe balance contains $10.00 where the source_type is card and $20.00 where the source_type is bank_account, you can choose either From card balance ($10.00) or From bank account balance ($20.00) as your funding source.

  1. Choose how much to add to your Issuing balance after clicking Add to Balance.
  1. Initiate a transfer from your Stripe Balance by clicking Add to balance.

Enable notifications about your balance

You can enable email notifications to help monitor your Issuing balance from your settings. To configure these notifications:

  1. Visit your Balance notifications settings page.
  2. Choose from two types of alerting thresholds:
    • Fixed amount: Receive an alert whenever your Issuing balance falls below this amount.
    • Ratio of balance to rolling spend: Receive an alert whenever the ratio of your Issuing balance to your spend over the previous 24 hours falls below the threshold. For example, if you set your threshold to 80% and your spend over the past day is 100 USD, you receive an alert whenever your balance falls below 80 USD.
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