# Send money to recipients and financial accounts you don't own Create outbound payments to move money in platform or connected account financial accounts to third parties. [OutboundPayment](https://docs.stripe.com/api/v2/money-management/outbound-payments/object.md?api-version=preview) objects represent push-based transfers from: - A platform’s financial account to a financial account owned by its connected accounts. - A platform’s financial account to any thrird-party recipient’s bank account. - A connected account’s financial account to a financial account owned by another connected account under the same platform. - A connected account’s financial account to its platform’s financial account. - A connected account’s financial account to any third-party recipient’s bank account. > To move funds between financial accounts and other accounts owned by the same entity, use [OutboundTransfers](https://docs.stripe.com/treasury/connect/moving-money/out-of/outbound-transfers.md) instead. #### Source currency - GBP You can create the following types of `OutboundPayment`: | From a financial account to: | Payout method | Recipient capability | Expected arrival time | | --- | --- | --- | --- | | Another financial account under a different account | — | — | Immediate | | An external UK recipient (third-party payout) | Faster Payments (FPS) | `bank_accounts.local` | Immediate | | An external FX recipient (third-party payout) | Cross-border | Varies by country | Typically 1-7 days (varies by country) | #### Source currency - EUR [Private preview] Available in: AT, BE, BG, HR, CY, EE, FI, FR, DE, GR, IE, IT, LV, LT, LU, MT, NL, PT, SK, SI, ES You can create the following types of `OutboundPayment`: | From the connected account’s financial account to: | Payout method | Recipient capability | Expected arrival time | | --- | --- | --- | --- | | Another financial account under a different account | — | — | Immediate | | An external Eurozone recipient (third-party payout) | SEPA | `bank_accounts.local` | Typically 1 business day | | SEPA-instant | `bank_accounts.local` | Immediate | | An external FX recipient (third-party payout) | Cross-border | Varies by country | Typically 1-7 days (varies by country) | #### Source currency - USD [Private preview] Available in: US You can create the following types of `OutboundPayment`: | From a financial account to: | Payout method | Recipient capability | Expected arrival time | | --- | --- | --- | --- | | Another financial account under a different account | — | — | Immediate | | An external US recipient (third-party payout) | Automated Clearing House (ACH) | `bank_accounts.local` | Typically 2-3 business days | | Wire | `bank_accounts.wire` | Typically 1 business day | | Push-to-card (Private preview) | `card` | Immediate | | Real-time payment (RTP) (Private preview) | `bank_accounts.instant` | Within a few seconds to a few minutes | ## Move money from a platform to connected account To move funds from your platform’s financial account to a connected account’s financial account, create an OutboundPayment without the `Stripe-Context` header: ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "usd" }, "to": { "payout_method": "{{CONNECTED_ACCOUNT_FINANCIAL_ACCOUNT_ID}}", "recipient": "{{CONNECTED_ACCOUNT_ID}}", "currency": "usd" }, "amount": { "value": 30000, "currency": "usd" }, "description": "Funds transfer from platform to connected account" }' ``` > When moving funds from your platform’s financial account, don’t include the `Stripe-Context` header. The platform financial account is automatically used as the source of funds. ## Move money between separately owned financial accounts Use [Outbound Payments](https://docs.stripe.com/api/v2/money-management/outbound-payments/create.md?api-version=preview) to create an outbound payment: This example creates an outbound payment between financial accounts belonging to different connected accounts controlled by your platform. Set the `recipient_notification.setting` to `none` so that a Stripe notification isn’t sent to the recipient. ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "usd" }, "to": { "payout_method": "{{RECIPIENT_FINANCIAL_ACCOUNT_ID}}", "recipient": "{{RECIPIENT_CONNECTED_ACCOUNT_ID}}", "currency": "usd" }, "amount": { "value": 30000, "currency": "usd" }, "description": "Payout to a financial account of another connected account", "recipient_notification": { "setting": "none" } }' ``` Use a similar request to move funds from your connected account’s financial account to your platform’s financial account. ## Create an OutboundPayment to a third-party recipient To pay a third-party recipient, first create and onboard a [recipient-configured connected account](https://docs.stripe.com/treasury/connect/build-an-integration.md#create-a-recipient) to generate an account ID and a payout method ID that you need for the transaction. Then [create an outbound payment](https://docs.stripe.com/api/v2/money-management/outbound-payments/create.md?api-version=preview). #### General The following outbound payment example is for a standard payment to a third-party recipient in the same country and currency. The currency automatically uses the corresponding network, such as ACH for USD, FPS for GBP, or SEPA for EUR. ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "usd" }, "to": { "recipient": "{{RECIPIENTACCOUNTID_ID}}", "payout_method": "{{RECIPIENTPAYOUTMETHODID_ID}}", "currency": "usd" }, "amount": { "value": 10000, "currency": "usd" }, "description": "Vendor payment" }' ``` For payroll payments, set `"purpose": "payroll"` to comply with NACHA requirements. #### USD — Wire Available in: US The following sample sets `delivery_options` to `bank_account.wire` to request a USD wire payment. ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "usd" }, "to": { "recipient": "{{RECIPIENTACCOUNTID_ID}}", "payout_method": "{{RECIPIENTPAYOUTMETHODID_ID}}", "currency": "usd" }, "amount": { "value": 50000, "currency": "usd" }, "delivery_options": { "bank_account": "wire" }, "description": "Wire transfer" }' ``` Stripe supports both FedWire and CHIPS and automatically routes to the most cost-effective and efficient network. Wire payments aren’t reversible. #### USD — Push-to-card [Private preview] Available in: US Push-to-card sends funds to a recipient’s eligible US debit card through Visa Direct or Mastercard Send. 1. Request the `cards` capability on the recipient account: ```curl curl -X POST https://api.stripe.com/v2/core/accounts/{{RECIPIENTACCOUNTID_ID}} \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ --json '{ "configuration": { "recipient": { "capabilities": { "cards": { "requested": true } } } } }' ``` 2. Create the payment using the card payout method: ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "usd" }, "to": { "recipient": "{{RECIPIENTACCOUNTID_ID}}", "payout_method": "{{CARD_PAYOUT_METHOD_ID}}", "currency": "usd" }, "amount": { "value": 10000, "currency": "usd" }, "description": "Instant payout to debit card" }' ``` Push-to-card payments aren’t reversible. The payout method must be an outbound-eligible US-issued debit card. #### US RTP [Private preview] Available in: US Contact [treasury-support@stripe.com](mailto:treasury-support@stripe.com) to request access. Real-Time Payments (RTP) sends funds instantly through The Clearing House network and is available for domestic US bank accounts only. Not all banks support RTP. Check eligibility by inspecting the recipient’s payout method for `"instant"` in `available_payout_speeds` before sending. ```curl curl https://api.stripe.com/v2/money_management/payout_methods/{{RECIPIENTPAYOUTMETHODID_ID}} \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" ``` If `available_payout_speeds` includes `"instant"`, the bank account supports RTP. Create the payment with `delivery_options.speed: "instant"`: ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "usd" }, "to": { "recipient": "{{RECIPIENTACCOUNTID_ID}}", "payout_method": "{{RECIPIENTPAYOUTMETHODID_ID}}", "currency": "usd" }, "amount": { "value": 10000, "currency": "usd" }, "delivery_options": { "speed": "instant" }, "description": "Real-time payment via RTP" }' ``` RTP payments aren’t reversible. ## Send an OutboundPayment cross-border or to a recipient in a different country or currency Stripe supports sending money in local currency to recipients in many different countries. Before making a cross-border outbound payment, review: - [Payout amounts](https://docs.stripe.com/global-payouts/payout-methods.md#payout-amounts) for country-specific information about currencies and minimum payment amounts - [Recipient payout methods](https://docs.stripe.com/treasury/connect/account-management/connected-accounts.md#recipient-payout-methods) > To get access to cross-border Outbound Payments to external bank accounts, contact [treasury-support@stripe.com](mailto:treasury-support@stripe.com). Cross-border transfers between financial accounts are enabled by default. Create an [OutboundPaymentQuote](https://docs.stripe.com/api/v2/money-management/outbound-payment-quotes/object.md?api-version=preview) to understand applicable FX and fees before making a cross-border outbound payment. ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payment_quotes \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "usd" }, "to": { "recipient": "{{RECIPIENTACCOUNTID_ID}}", "payout_method": "{{RECIPIENTPAYOUTMETHODID_ID}}", "currency": "eur" }, "amount": { "value": 30000, "currency": "usd" } }' ``` The response contains the estimated fees, currency exchange rate, and payout amounts prior to creating the payment. The FX quote is valid for 5 minutes. If you don’t create an outbound payment within 5 minutes, you need to request a new quote. ```json { "id": "{{OUTBOUND_PAYMENT_QUOTE_ID}}", "object": "v2.money_management.outbound_payment_quote", "amount": { "value": 30000, "currency": "usd" }, "created": "2025-09-09T09:21:17.201Z", "delivery_options": null, "estimated_fees": [ { "amount": { "value": 0, "currency": "usd" }, "type": "cross_border_payout_fee" }, { "amount": { "value": 300, "currency": "usd" }, "type": "standard_payout_fee" }, { "amount": { "value": 100, "currency": "usd" }, "type": "foreign_exchange_fee" } ], "from": { "debited": { "value": 30000, "currency": "usd" }, "financial_account": "{{FINANCIAL_ACCOUNT_ID}}" }, "fx_quote": { "lock_duration": "five_minutes", "lock_expires_at": "2025-09-09T09:26:17.000Z", "lock_status": "active", "rates": { "usd": { "exchange_rate": "1.133" } }, "to_currency": "eur" }, "to": { "credited": { "value": 34443, "currency": "eur" }, "payout_method": "{{RECIPIENT_PAYOUT_METHOD_ID}}", "recipient": "{{RECIPIENT_ACCOUNT_ID}}" }, "livemode": false } ``` Provide the quote in the payout to acknowledge the associated fees. #### GBP to EUR Create an [OutboundPayment](https://docs.stripe.com/api/v2/money-management/outbound-payments/create.md?api-version=preview) that sends funds stored in one currency to a recipient in a different currency. The example sends 300 GBP, converted to EUR. ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "gbp" }, "to": { "recipient": "{{RECIPIENTACCOUNTID_ID}}", "payout_method": "{{RECIPIENTPAYOUTMETHODID_ID}}", "currency": "eur" }, "amount": { "value": 30000, "currency": "gbp" }, "outbound_payment_quote": "{{OUTBOUNDPAYMENTQUOTEID_ID}}" }' ``` #### Intra-EU [Private preview] Available in: AT, BE, BG, HR, CY, EE, FI, FR, DE, GR, IE, IT, LV, LT, LU, MT, NL, PT, SK, SI, ES To make an intra-EU payout, you must use [Recipient Verifications](https://docs.stripe.com/api/v2/recipient-verifications.md?api-version=preview) to perform a Verification of Payee of the recipient, even though the currency is the same. This verification ensures that the recipient account credentials match the bank account beneficiary before making the payment. ```curl curl -X POST https://api.stripe.com/v2/money_management/recipient_verifications \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "recipient": "{{RECIPIENTACCOUNTID_ID}}", "payout_method": "{{RECIPIENTPAYOUTMETHODID_ID}}" }' ``` The response includes the recipient verification ID, expiration, and verification details. ```json { "id": "{{RECIPIENT_VERIFICATION_ID}}", "object": "v2.money_management.recipient_verification", "match_result": "match", "match_result_details": { "matched_name": "…", "message": "The provided name matches the name the bank has on file for this account.", "provided_name": "…" }, "expires_at": "2025-11-03T16:30:47.256824340Z", "status": "verified", "status_transitions": null, ... } ``` In case of a partial match or mismatch, you must acknowledge the recipient verification: ```curl curl -X POST https://api.stripe.com/v2/money_management/recipient_verifications/{{RECIPIENTVERIFICATIONID_ID}}/acknowledge \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" ``` At this point, you can [create an OutboundPayment](https://docs.stripe.com/api/v2/money-management/outbound-payments/create.md?api-version=preview). See [Global payments testing](https://docs.stripe.com/global-payouts/testing.md#test-bank-account-numbers) for test payment accounts you can use to simulate successful and failed payments. ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-09-30.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" \ --json '{ "from": { "financial_account": "{{FINANCIALACCOUNTID_ID}}", "currency": "eur" }, "to": { "recipient": "{{RECIPIENTACCOUNTID_ID}}", "payout_method": "{{RECIPIENTPAYOUTMETHODID_ID}}", "currency": "eur" }, "amount": { "value": 30000, "currency": "eur" }, "recipient_verification": "{{RECIPIENTVERIFICATIONID_ID}}", "outbound_payment_quote": "{{OUTBOUNDPAYMENTQUOTEID_ID}}" }' ``` ## See also - [Build an integration](https://docs.stripe.com/treasury/connect/build-an-integration.md) - [Financial accounts](https://docs.stripe.com/treasury/connect/account-management/financial-accounts.md) - [Connected accounts](https://docs.stripe.com/treasury/connect/account-management/connected-accounts.md)