Types d'opérations sur solde

Découvrez les différents types d'opérations sur solde qui représentent des transferts de fonds sur votre compte Stripe.

Les opérations sur solde sont le point de départ recommandé pour créer des rapports sur l’activité du solde de votre compte. Nous les créons pour chaque type de transaction entrant ou sortant du solde de votre compte Stripe.

Vous pouvez créer des rapports qui utilisent les opérations sur solde à l’aide de l’API ou de Sigma.

Lorsque vous recevez un paiement sur votre compte pour la première fois, il est dans un premier temps imputé au solde pending (après déduction des éventuels frais Stripe). Ce solde devient available à la date déterminée par votre fréquence de virement, qui peut dépendre de votre marché, de votre moyen de paiement ou du type de transaction. L’attribut status des opérations sur solde indique l’état du solde. Pour en savoir plus, consultez la section Soldes et délais de règlement.

Pour classer vos opérations à des fins comptables, utilisez le champ reporting_category au lieu du champ type.

Source de l’opération sur solde

Les opérations sur solde incluent un champ source qui contient l’ID de l’objet Stripe associé.

L’API peut servir à récupérer des informations supplémentaires sur l’activité de paiement qui est à l’origine de la création de l’opération sur solde. À l’aide de Sigma, vous pouvez également lier le tableau balance_transactions à d’autres tableaux en utilisant la colonne source_id.

Types d’opérations sur solde

Vous pouvez organiser les types d’opérations sur solde en différents groupes en fonction de l’activité sous-jacente qui a généré les opérations sur solde.

Si vous n’utilisez pas les API Connect ou Issuing, vos opérations sur solde appartiendront aux deux premiers groupes (« frais et paiements » ou « modifications du solde Stripe »).

Balance transaction types related to charges and payments

These balance transaction types are related to creating and refunding charges as part of processing payments.

Type	Description
charge	Created when a credit card charge is created successfully.
payment	Created when a local payment method charge is created successfully.
payment_failure_refund	ACH, direct debit, and other delayed notification payment methods remain in a pending state until they either succeed or fail. You’ll see a pending Balance transaction of type `payment` when the payment is created. Another Balance transaction of type `payment_failure_refund` appears if the pending payment later fails.
payment_refund	Created when a local payment method refund is initiated. Additionally, if your customer’s bank or card issuer is unable to correctly process a refund (e.g., due to a closed bank account or a problem with the card) Stripe returns the funds to your balance. The returned funds are represented as a Balance transaction with the type `payment_refund`.
payment_reversal	Created when a debit/failure related to a payment is detected from a banking partner. This balance transaction takes funds that were previously credited to the merchant for a payment out of the merchant balance.
refund	Created when a credit card charge refund is initiated.
refund_failure	Created when a credit card charge refund fails, and Stripe returns the funds to your balance. This may occur if your customer’s bank or card issuer is unable to correctly process a refund (e.g., due to a closed bank account or a problem with the card).

Balance transaction types related to Stripe balance changes

These balance transaction types are related to changes that affect your Stripe balance such as payouts, fees and top-ups.

Type	Description
adjustment	Adjustments correspond to additions or deductions from your Stripe balance that are made outside of the normal charge/refund flow. For example, some of the most common reasons for adjustments are: Refund failures. If your customer’s bank or card issuer is unable to correctly process a refund (e.g., due to a closed bank account or a problem with the card) Stripe returns the funds to your balance. The returned funds are represented as a Balance transaction with the type `adjustment`, where the description indicates the related refund object. Disputes. When a customer disputes a charge, Stripe deducts the disputed amount from your balance. The deduction is represented as a Balance transaction with the type `adjustment`, where the source object is a dispute. Dispute reversals. When you win a dispute, the disputed amount is returned to your balance. The returned funds are represented as a Balance transaction with the type `adjustment`, where the source object is a dispute. In the past, fees for Stripe software and services (e.g., for Radar, Connect and Billing) were represented as adjustments. In the past, Connect platform fee refunds were represented as adjustments. The `description` field on the Balance transaction describes the purpose of each adjustment.
advance	Incrementing funds as part of an advance operation to change the date that funds settle to your balance. For example, this can occur when you create an instant payout and the requested payout amount is greater than your available balance. Funds are credited to a new `available_on` date and debited from the original `available_on` date to cover the difference.
advance_funding	Decrementing funds as part of an advance operation to change the date that funds settle to your balance. For example, this can occur when you create an instant payout and the requested payout amount is greater than your available balance. Funds are credited to a new `available_on` date and debited from the original `available_on` date to cover the difference.
anticipation_repayment	Repayments made to service an anticipation loan in Brazil. These repayments go to the financial institution to whom you have sold your receivables.
balance_transfer_inbound	Funds moving into a balance (e.g. Issuing balance) from another balance (e.g. Stripe balance)
balance_transfer_outbound	Funds moving from your Stripe balance to a different (e.g. Issuing) balance.
climate_order_purchase	Funds used to purchase carbon removal units from Frontier Climate.
climate_order_refund	Funds refunded to your balance when a Climate Order is canceled.
contribution	Funds contributed via Stripe to a cause (currently Stripe Climate).
currency_conversion	Created to debit or credit your balance when a currency conversion is initiated.
obligation_outbound	Obligation for receivable unit received.
obligation_reversal_inbound	Obligation for receivable unit reversed.
payment_network_reserve_hold	Funds that a payment network holds in reserve (e.g. to mitigate risk).
payment_network_reserve_release	Funds that a payment network releases from a reserve.
payment_unreconciled	Created when a customer has unreconciled funds within Stripe for more than ninety days. This balance transaction transfers those funds to your balance.
payout	Payouts from your Stripe balance to your bank account.
payout_cancel	Created when a payout to your bank account is cancelled and the funds are returned to your Stripe balance.
payout_failure	Created when a payout to your bank account fails and the funds are returned to your Stripe balance.
payout_minimum_balance_hold	Minimum balance held from a payout.
payout_minimum_balance_release	Minimum balance released after a payout.
reserved_funds	When Stripe holds your funds in reserve to mitigate risk, two balance transactions are created: one to debit the funds from your balance, and a second to credit the funds back to your balance at the end of the reserve period.
stripe_balance_payment_debit	Created when a payment initiated by another Stripe account deducts funds from your account balance.
stripe_balance_payment_debit_reversal	Created when a payment initiated by another Stripe account is refunded to your account balance.
stripe_fee	Fees for Stripe software and services (e.g., for Radar, Connect, Billing, and Identity).
stripe_fx_fee	Stripe currency conversion fee
tax_fee	Taxes collected by Stripe to be remitted to the appropriate local governments. Typically, this is a tax on Stripe fees.
topup	Funds you transferred into your Stripe balance from your bank account. Learn more.
topup_reversal	If an initially successful top-up fails or is cancelled, the credit to your Stripe balance is reversed. Learn more.

Balance transaction types related to Issuing

These balance transaction types are created as part of using the Issuing API.

Type	Description
issuing_authorization_hold	When an issued card is used to make a purchase, an authorization is created. If the authorization is approved, a balance transaction is created with the type `issuing_authorization_hold` to hold the authorized amount in reserve from your account balance, until the authorization is either captured or voided. Some merchants can also update an authorization to request an additional amount (e.g., to extend a hotel booking or add a tip), and this is also represented as a balance transaction with the type `issuing_authorization_hold`.
issuing_authorization_release	When an authorized purchase, made with an issued card, is captured by the merchant, the funds previously held for the authorization (`issuing_authorization_hold`) are released with a `issuing_authorization_release` balance transaction. Simultaneously, an issuing transaction is created, and the purchase amount is deducted from your Stripe balance in another balance transaction with the type `issuing_transaction`.
issuing_dispute	When you dispute an Issuing transaction and funds return to your Stripe balance.
issuing_transaction	When an authorized purchase, made with an issued card, has been authorized and captured by the merchant, an issuing transaction is created, and the purchase amount is deducted from your Stripe balance with a `issuing_transaction` balance transaction.

Balance transaction types related to Connect

These balance transaction types are related to using the Connect API and related APIs, such as instant payouts.

Type	Description
application_fee	Earnings you’ve generated by collecting platform fees via Stripe Connect charges.
application_fee_refund	Platform fees that you have returned to your connected accounts.
connect_collection_transfer	If one of your connected accounts has a negative balance for 180 days, Stripe transfers a portion of your balance, to zero out that account’s balance. Learn more.
reserve_transaction	If one of your connected accounts’ balances becomes negative, Stripe temporarily reserves a portion of your balance to ensure that funds can be covered. If one of your connected accounts’ previously negative balance becomes less negative due to activity on account, another `reserve_transaction` is created to release a corresponding portion of the funds held in reserve. Learn more.
transfer	Funds sent from your balance to the balance of your connected accounts.
transfer_cancel	Transfers to your connected accounts that have been cancelled.
transfer_failure	Transfers to your connected accounts that failed. Transfer failures add to your platform’s balance and subtract from the connected account’s balance.
transfer_refund	Transfers to your connected accounts that you reversed or that were reversed as a result of a failure in payments made through ACH, direct debit, and other delayed notification payment methods. Transfer reversals add to your platform’s balance and subtract from the connected account’s balance.