# Balances and settlement time

Learn about balance states, settlement timing, and best practices for balance management.

Your Stripe account can have one or more [balances](https://docs.stripe.com/api/balance.md) that hold funds for different products and currencies. Understanding balance states, settlement time, and potential ways to accelerate settlement can help you manage your funds and avoid negative balances.

## Balance types

The following are available balance types. There are other balance types, such as [Connect balances](https://docs.stripe.com/connect/account-balances.md) and [Issuing balance](https://docs.stripe.com/issuing/funding/balance.md), but you need to onboard to their respective products to access them.

### 付款余额

Your payments balance represents all of your incoming transactions from customer charges. When a customer makes a purchase using a card or *local payment method* (Payment methods used in specific countries or regions, such as bank transfers, vouchers, and digital wallets. Examples include Pix (Brazil, bank transfers), Konbini (Japan, vouchers), and WeChat Pay (China, digital wallet)), the funds pass through the payments balance and eventually settle. When a customer initiates a refund or files a dispute, funds are also deducted from the payments balance. You can also use your payments balance to reconcile all of your transactions and payouts to an external bank account.

### Refunds and disputes balance

You can set aside funds for future refunds or disputes in your refunds and disputes balance. Fund this balance with an external top-up.

### Reserve balance

Sometimes, Stripe might create a reserve balance on your behalf to make sure that your Stripe account can cover any expected incoming refunds or disputes. The reserve balance holds funds that you can’t pay out or transfer until the reserve hold period is complete.

### Financial account (US and UK only)

Your financial account lets you store funds with Stripe in USD, GBP, or EUR. You can fund this balance with earnings from your payments balance or external top-ups from your bank account. Use your financial account to send money, create cards to spend from, or instantly convert funds between currencies.

## Balance states

When Stripe processes a payment or a funding transaction, funds move through different balance states before you can use them: pending and available. These two states are generally affected by the [settlement timing](https://docs.stripe.com/payments/balances.md#settlement-time), which can vary by location and sometimes by payment method. Funds in a Balance transition from `pending` to `available` at the corresponding [available_on](https://docs.stripe.com/api/balance_transactions/object.md#balance_transaction_object-available_on) time for each balance transaction.

### 待处理

Funds in the pending state represent incoming transactions that haven’t settled into your balance. For example, when a customer makes a card payment, the charge amount (minus Stripe’s fee) appears in your pending balance until settlement. You can’t withdraw or spend these funds until they’re available.

Eligible users have options to immediately access pending funds using [Instant Payouts](https://docs.stripe.com/payouts/instant-payouts.md), or to reduce settlement time using Stripe features. For more details, see [Accelerate settlement timing](https://docs.stripe.com/payments/balances.md#accelerate-settlement-timing).

### 可用

After the funds settle, they move to your available balance. You can use these funds for payouts to bank accounts, refunds, transfers, or any other debit transaction.

> For eligible businesses in the US, payment proceeds settle in your [financial account](https://docs.stripe.com/treasury.md). You only need to add your bank account information for external payouts.

## 结算时间

Settlement time is the time between when a payment or a [funding transaction](https://docs.stripe.com/payments/customer-balance/funding-instructions.md) is made and when the funds become available in your Stripe balance.

For example, if a customer makes a 100 USD card payment on Monday in the US, the funds are initially pending. Then the funds are available in your balance on Wednesday, 2 business days later.

Settlement timing varies based on your [country](https://docs.stripe.com/payments/balances.md#settlement-timing-by-country) and the [payment method](https://docs.stripe.com/payments/balances.md#settlement-time-by-payment-method) used.

### Definition of days 

影响结算和提现时间的天数定义有两种：

- **日历日**：包含所有日期，包括周末和节假日。
- **工作日**：仅包含工作日，通常为周一至周五，不包括公共假日。

例如，周六创建的交易可能因天数定义不同而产生两种不同的结算周期：

- 如果使用日历日计算，周六为第 0 天。
- 如果使用工作日计算，下一个周一为第 0 天。

### Settlement timing by country 

请使用以下折叠表格确定您所在国家/地区的结算周期。首次提现适用初始结算周期，后续提现适用默认结算周期。

> 在某些情况下，风险标准可能会阻止您的账户切换至默认结算周期。

### Country and settlement timing

| 国家/地区 | 初始结算周期 | 默认结算周期 |
| --- | --- | --- |
| 澳大利亚 | 2 个工作日 | — |
| 奥地利 | 7 个日历日 | 3 个工作日 |
| 比利时 | 7 个日历日 | 3 个工作日 |
| 保加利亚 | 7 个日历日 | 3 个工作日 |
| 巴西 | - 30 个日历日
- 国际收款需要 5 个日历日
- Boleto 和 Pix 付款需要 2 个工作日 | — |
| 加拿大 | 7 个日历日 | 3 个工作日 |
| 克罗地亚 | 7 个日历日 | 3 个工作日 |
| 塞浦路斯 | 7 个日历日 | 3 个工作日 |
| 捷克共和国 | 7 个日历日 | 3 个工作日 |
| 丹麦 | 7 个日历日 | 3 个工作日 |
| 爱沙尼亚 | 7 个日历日 | 3 个工作日 |
| 芬兰 | 7 个日历日 | 3 个工作日 |
| 法国 | 7 个日历日 | 3 个工作日 |
| 德国 | 7 个日历日 | 3 个工作日 |
| 直布罗陀 | 7 个日历日 | 3 个工作日 |
| 希腊 | 7 个日历日 | 3 个工作日 |
| 中国香港 | 7 个日历日 | — |
| 匈牙利 | 7 个日历日 | 3 个工作日 |
| 印度 | - 国内收款需要 2 个工作日
- 国际收款需要 5 个工作日 | — |
| 爱尔兰 | 7 个日历日 | 3 个工作日 |
| 意大利 | 7 个日历日 | 3 个工作日 |
| 日本 | 7 个日历日 | 4 个工作日 |
| 拉脱维亚 | 7 个日历日 | 3 个工作日 |
| 列支敦士登 | 7 个日历日 | 3 个工作日 |
| 立陶宛 | 7 个日历日 | 3 个工作日 |
| 卢森堡 | 7 个日历日 | 3 个工作日 |
| 马来西亚 | 7 个日历日 | — |
| 马耳他 | 7 个日历日 | 3 个工作日 |
| 墨西哥 | 7 个日历日 | 3 个工作日 |
| 荷兰 | 7 个日历日 | 3 个工作日 |
| 新西兰 | 4 个工作日 | — |
| 挪威 | 7 个日历日 | 3 个工作日 |
| 波兰 | 7 个日历日 | 3 个工作日 |
| 葡萄牙 | 7 个日历日 | 3 个工作日 |
| 罗马尼亚 | 7 个日历日 | 3 个工作日 |
| 新加坡 | 7 个日历日 | — |
| 斯洛伐克 | 7 个日历日 | 3 个工作日 |
| 斯洛文尼亚 | 7 个日历日 | 3 个工作日 |
| 西班牙 | 7 个日历日 | 3 个工作日 |
| 瑞典 | 7 个日历日 | 3 个工作日 |
| 瑞士 | 7 个日历日 | 3 个工作日 |
| 泰国 | 7 个工作日 | — |
| 阿拉伯联合酋长国 | 5 个工作日 | — |
| 英国 | 7 个日历日 | 3 个工作日 |
| 美国 | 2 个工作日 | — |

### Settlement time by payment method 

由于底层银行系统的原因，银行支付方式的结算时间通常比银行卡支付更长。这类支付方式出现退款或撤销的风险更高，这也是其结算周期较长的原因之一。

| 支付方式 | 结算周期 |
| --- | --- |
| ACH 借记 | 4 个工作日 |
| SEPA 直接借记 | 6 个工作日 |
| Bacs 直接借记 | 4 个工作日 |
| 澳大利亚 BECS 直接借记 | 2 个工作日 |
| 新西兰 BECS 直接借记 | 2 个工作日 |
| PAD Canada | 5 个工作日 |
| [美元银行转账](https://docs.stripe.com/payments/bank-transfers.md) | 5 个工作日 |

为管理现金流并覆盖可能导致账户余额为负的潜在退款、纠纷及费用，您可以在 Stripe 账户中设置[最低余额](https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts.md)。

## Accelerate settlement timing

Stripe 提供的产品和支付方式可缩短结算时间，具体取决于您所在的地区并需满足资格标准。

### 2-day ACH settlement

For eligible US businesses, Stripe offers faster ACH settlement that reduces the settlement time from 4 business days to 2 business days from payment creation. For more details about eligibility and activation, see the [ACH support page](https://support.stripe.com/questions/two-day-settlement-for-ach-direct-debit).

### Instant Payout

Instant Payouts gives you access to your funds immediately following a successful card charge. To learn about eligibility requirements, fees, and supported countries, see [Instant Payouts](https://docs.stripe.com/payouts/instant-payouts.md).

## Best practices for balance management

- **Set up a minimum balance**: If you use automatic payouts, set up a [minimum balance](https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts.md) to handle any events that cause your account to go negative because of refunds, fees, and chargebacks. A minimum balance helps you avoid paused payouts and automatic debits to your external accounts.
- **Customize your payout schedule**: As a general practice, setting your payout schedule to manual or monthly automatic payouts gives you better control over managing your funds flows. Your account might have fees debited from your balance on a daily or monthly basis, so this allows you to keep a balance to cover for any occurrence.