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Overview
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Issuing cards
Treasury
    Overview
    How Treasury works
    Eligibility requirements
    Get Started
    Get started with API access
    Onboarding users
    Managing fraud
    Marketing and compliance guidelines
    Sample integrations
    Use Treasury to set up financial accounts and cards
    Use Treasury to move money
    Issuing and Treasury sample application
    Stripe Issuing and Treasury
    Webhooks for Stripe Issuing and Stripe Treasury
    Working with Stripe Issuing cards
    Account management
    Stripe Treasury accounts structure
    Working with connected accounts
    Working with financial accounts
    Financial account features
    Platform financial accounts
    Working with balances and transactions
    Moving money
    Payouts and top-ups from Stripe Payments
    Working with SetupIntents, PaymentMethods, and BankAccounts
    Moving money into financial accounts
    Moving money out of financial accounts
    Money movement timelines
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HomeMoney managementTreasury

Platform financial accounts

Learn about the financial account for your platform.

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After you’ve gained API access to Stripe Treasury, we automatically provision your platform with a financial account. For sandbox environments, it’s a test platform financial account.

The test platform financial account on your sandbox environment enables you to set up and test your integration without actually affecting your live account’s platform financial account.

The live mode platform financial account is where you store your own funds as working capital for your Treasury program. The live mode platform financial account has its own routing number and account number and supports most of the same types of money movement as the financial accounts attached to your platform’s connected accounts.

Platform financial account differences

The financial accounts (both live and test) for your platform are essentially the same as the financial accounts attached to your platform’s connected accounts. You use the same API requests regardless of which financial account is involved; however, you don’t include a Stripe-Account header when making API calls against your platform financial account. The Stripe-Account header signals that a request is for the associated connected account’s financial account rather than your platform’s.

The following list itemizes the differences between platform financial accounts and financial accounts attached to connected accounts:

  • You can’t attach Stripe Issuing cards to platform financial accounts.
    • You can attach Stripe Issuing cards to the financial accounts attached to connected accounts.
  • You can’t transfer funds from your platform financial account balance directly to the account balance of a connected account.
    • You can transfer funds from your platform financial account balance directly to the balance of a financial account attached to a connected account.
  • You must use the Stripe Dashboard (rather than the API) to set the platform financial account as a BankAccount object that you can use for payouts from or top-ups to the platform payments balance.
    • See the Payouts and top-ups guide for more information.
  • You can’t accelerate payouts from the platform account balance to the platform financial account balance.

Retrieving platform financial account details

You can retrieve the details of your platform financial accounts through the API and the Stripe Dashboard.

View your platform financial accounts, along with their routing numbers, account numbers, and balances, in the Treasury section under the Balances tab of your Stripe Dashboard.

Treasury balance section of the Dashboard showing account number, routing number, and total amount of balance.

Treasury balance

Click a platform financial account to open an expanded view, where you can see more detailed information, including:

  • Financial account features
  • Balance history
  • Recent transactions
  • Events and logs
Expanded view of the platform financial account

Expanded platform financial account details

Create additional financial accounts for your platform

You can create up to 3 financial accounts on your platform account. Use POST /v1/treasury/financial_accounts without a Stripe-Account header to create a new financial account.

Platform default financial account

Your platform includes one default financial account, which Stripe uses to service your platform. For example, Stripe uses the default financial account to remediate negative balances incurred by connected accounts.

By default, the first financial account you create on your platform account becomes your default financial account. To verify this, check that the is_default field is set to true on the financial account.

Moving money between the Treasury financial accounts of the platform and its connected accounts

Use OutboundPayments over the stripe network to instantly move funds between a platform Treasury financial account and the Treasury financial accounts of connected accounts associated with the same platform. See Creating an OutboundPayment to a financial account for more information.

See also

  • Treasury account structure
  • Working with connected accounts
  • Working with financial accounts
  • Working with Stripe Issuing cards
  • Working with balances
  • Moving money into Treasury financial accounts
  • Moving money out of Treasury financial accounts
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