# Send money to recipients and financial accounts you don't own Learn how to create outbound payments to move money out of 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 accounts to a financial account owned by connected accounts. - Financial accounts owned by one connected account to a financial account owned by another connected account under the same platform. - Financial accounts of a connected account to one of the platform’s financial accounts. - Financial accounts of a connected accounts any third party recipient. > 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 recipient (third party payout) with FX | Cross-border | Varies by country | Typically 1-7 days (varies by country) | #### Source currency - EUR [Private preview] Available in: AT, BE, 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 | | An external recipient (third party payout) with FX | 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 | | Instant | `card` | Immediate | | An external recipient (third party payout) with FX | Cross-border | Varies by country | Typically 1-7 days (varies by country) | ## 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: 2026-06-24.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 connected accounts’ 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 two financial accounts of different connected accounts (under 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: 2026-06-24.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" } }' ``` > To move funds from your platform’s financial account to a connected account’s financial account, don’t specify the `Stripe-Context` header. 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). ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.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": 30000, "currency": "usd" }, "description": "Streamer earnings" }' ``` ## Send an OutboundPayment cross-border or to a recipient in a different currency Stripe supports sending money in local currency to recipients in many different countries. Before making a cross-border outbound payment, review: - [Supported countries and currencies](https://docs.stripe.com/global-payouts/send-money.md?dashboard-or-api=api#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: 2026-06-24.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 } ``` When creating the payout with [OutboundPayment](https://docs.stripe.com/api/v2/money-management/outbound-payments/create.md?api-version=preview), provide the quote to acknowledge the fees associated with the payout. #### General At this point, you have all the necessary pieces to pay the recipient from the connected account’s financial account using the [Create an OutboundPayment](https://docs.stripe.com/api/v2/money-management/outbound-payments/create.md?api-version=preview) endpoint. ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.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, HR, CY, EE, FI, FR, DE, GR, IE, IT, LV, LT, LU, MT, NL, PT, SK, SI, ES If the payment is intra-EU, we need to use [Recipient Verifications](https://docs.stripe.com/api/v2/recipient-verifications.md?api-version=preview) to perform a Verification of Payee of the recipient. 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: 2026-06-24.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: 2026-06-24.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" ``` At this point, you have all the necessary pieces to pay the recipient from the connected account’s financial account using the [Create an OutboundPayment](https://docs.stripe.com/api/v2/money-management/outbound-payments/create.md?api-version=preview) endpoint. 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: 2026-06-24.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}}" }' ``` ## Send an OutboundPayment in USD (Private preview) Available in: US You can send US outbound payments using the following methods: | Method | Capability | Speed | Reversible | | --- | --- | --- | --- | | ACH (Standard) | `bank_accounts.local` | Typically 2-3 business days | Yes | | Wire | `bank_accounts.wire` | Same business day | No | | RTP (Real-Time Payments) (Private preview) | `bank_accounts.instant` | Seconds to minutes | No | | Push-to-card (Private preview) | `cards` | Immediate | No | #### USD — ACH ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.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 via ACH" }' ``` For payroll payments, set `"purpose": "payroll"` to comply with NACHA requirements. #### USD — Wire ```curl curl -X POST https://api.stripe.com/v2/money_management/outbound_payments \ -H "Authorization: Bearer <>" \ -H "Stripe-Version: 2026-06-24.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 — RTP [Private preview] 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: 2026-06-24.preview" \ -H "Stripe-Context: {{CONTEXT_ID}}" ``` If `"instant"` is present in `available_payout_speeds`, 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: 2026-06-24.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. #### USD — Push-to-card [Private preview] 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: 2026-06-24.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: 2026-06-24.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. ## 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)