Platform financial accounts

After you’ve gained API access to Stripe Treasury, we automatically provision your platform with two financial accounts, one for test mode and one for live mode.

The test mode platform financial account enables you to set up and test your integration without actually affecting either your platform account balance or the balance of your live mode 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 (live mode and test mode) 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 can’t use the Stripe API to close a platform financial account.
  • Beta You can use POST /v1/treasury/financial_accounts/{{FINANCIAL_ACCOUNT_ID}}/close to close financial accounts attached to connected accounts if you have access to the beta Closure API methods. The Closure API methods don’t provide the ability to close the platform financial 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 find your platform financial account routing number, account number, and balance in the Treasury balance section under the Balances tab of your Stripe Dashboard. Use the API to view the other details of your platform financial account.

Treasury balance

Use GET /v1/treasury/financial_accounts to list all the details of your platform financial accounts through the API. A Stripe-Account header isn’t included, signaling this request is for the platform financial account.

curl https://api.stripe.com/v1/treasury/financial_accounts \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:"

If successful, the response includes your platform financial account id. You can use the financial account ID to directly retrieve your platform financial account details using GET /v1/treasury/financial_accounts/{{FINANCIALACCOUNT_ID}}.

curl https://api.stripe.com/v1/treasury/financial_accounts/
{{FINANCIAL_ACCOUNT_ID}} \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:"

The FinancialAccount object displays the data that defines your financial account, including your balance and the balance of any pending transactions.

{
  "object": "treasury.financial_account",
  "created": 1612927106,
  "id": "fa_123",
  "country": "US",
  "supported_currencies": ["usd"],
  // Arrays of active, pending and restricted features summarize the status of all requested features
  "active_features": ["financial_addresses.aba", "deposit_insurance"],
  "pending_features": ["inbound_transfers.ach"],
  "restricted_features": ["intra_stripe_flows", "outbound_payments.ach", "outbound_payments.us_domestic_wire"],

Retrieving platform financial account features

Use GET /v1/treasury/financial_accounts/{{FINANCIALACCOUNT_ID}}/features to retrieve your platform’s financial account feature information.

curl https://api.stripe.com/v1/treasury/financial_accounts/
{{FINANCIAL_ACCOUNT_ID}}
/features \
  -u "
sk_test_4eC39HqLyjWDarjtT1zdp7dc
:"

If successful, the response itemizes the features assigned to your platform financial account.

{
  "object": "treasury.financial_account_features",
  "card_issuing": {
    "requested": true,
    "status": "active",
    "status_details": []
  },
  "deposit_insurance": {
    "requested": true,
    "status": "active",

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.