Money movement timelines
Learn about the timelines for various types of money movement in Treasury.
Stripe Treasury integrates with banking partners and payment networks, which have varying processing and cutoff times.
OutboundPayment and OutboundTransfer transactions
Network | Behavior |
---|---|
ach | OutboundPayment and OutboundTransfer requests processed before the cutoff time are submitted to our banking partner on the same day. These transfers are expected to arrive at the receiving bank within the next one to two business days. Same-day ACH transactions arrive at the receiving bank the same business day if the request is received before the cutoff time. |
us_ | OutboundPayment and OutboundTransfer requests processed before the cutoff are expected to arrive at the receiving bank on the same business day. |
stripe | OutboundPayment requests using the stripe network post immediately and arrive at the receiving financial account within minutes, both during and outside of business hours. OutboundTransfer requests aren’t supported for stripe network transactions. |
Evolve Bank & Trust
ach
cutoff:- Default Speed: 6pm central time (CST/CDT)
- Same Day speed: 11am central time (CST/CDT)
us_
cutoff: 3pm central time (CST/CDT)domestic_ wire
Submission date | Arrival date (by end of business day) | |
---|---|---|
ACH | Wire | |
Monday | Tuesday | Monday |
Tuesday | Wednesday | Tuesday |
Wednesday | Thursday | Wednesday |
Thursday | Friday | Thursday |
Friday | Monday | Friday |
Saturday | Tuesday | Monday |
Sunday | Tuesday | Monday |
You can programmatically access the expected_
attribute on OutboundPayment or OutboundTransfer to reference when Stripe expects the funds to arrive at their destination.
Requests, including default speed requests, that are received after the cutoff time are processed the following business day. Same-day ACH requests received after the cutoff time arrive by the end of the following business day.
InboundTransfer transactions
Network | Behavior |
---|---|
ach | InboundTransfer If using the default speed, InboundTransfer requests processed before the cutoff time are submitted to our banking partner on the same business day. Otherwise, they’re submitted on the following business day. Transfers are expected to arrive in the Treasury financial account on the morning of the fourth business day after submission to the banking partner, if no returns are received during that time. |
Evolve Bank & Trust
Submission date, before 6pm central time (CST/CDT) | Available at approximately 10am central time (CST/CDT) |
---|---|
Monday | Friday |
Tuesday | Monday |
Wednesday | Tuesday |
Thursday | Wednesday |
Friday | Thursday |
Saturday | Friday |
Sunday | Friday |
ReceivedCredit and ReceivedDebit transactions
Credits and debits initiated from outside Stripe and received on a financial account are processed as soon as Stripe receives notification of the transfer. The time it takes to complete the transfer depends on the originating institution.
Network | Behavior |
---|---|
ach | Available same day or next business day, depending on originating institution. |
us_ | Depends on originating institution. Wires received by the federal wire network during a business day are typically available in the Treasury financial account the morning of the following business day. |
stripe | Transfers using the stripe network post immediately and are expected to arrive at the receiving financial account within minutes. |
card | Card transactions are typically captured within 24 hours of authorization approval; however, some companies can capture funds up to 30 days after authorization. See Issuing transactions. |
Automatic payouts
All platforms using Treasury have access to standard automatic payouts, which move money from Stripe Payments to a Treasury financial account on a T+2 or slower schedule from the time of transaction (T+2 for card payments, slower for ACH).
You can request a platform risk review to access faster payouts; upon approval, your platform can use T+1 automatic payouts for connected accounts. T+1 faster payout schedules apply to all payment types, including both card payments and ACH payments, and the timelines start when the transaction occurs (faster payouts eliminate the need to wait for standard payments fund settlement times).
To request access to faster payouts for your platform, email treasury-support@stripe.com.
For more details, see the Automatic payouts guide.
Manual payouts
Platforms using Treasury also have access to standard manual payouts, which move funds in one business day (T+1 schedule) but can only draw on an account’s available
payments balance. In other words, you must wait for funds from a payment to settle in the payments balance before initiating a standard manual payout to a Treasury financial account.
Platforms granted access to faster payouts also have access to instant manual payouts. Instant manual payouts move funds to a connected account’s financial account within an hour (T+0 schedule) and are available any time, including nights, weekends, and holidays. Instant manual payouts are drawn on a connected account’s instant_
balance rather than being limited to the available
balance.
For more details, see the Manual payouts guide.
Top-ups
Stripe Connect platform users can top up their existing Stripe platform account balance using a Stripe Treasury financial account by verifying the routing and account numbers. These funds settle to your account balance according to Top-ups settlement timing.
For more details, see Adding funds to your platform balance.
Same-day ACH regulations
ACH transactions are regulated by Nacha. Consider the following when using same-day ACH:
- Individual same-day ACH transactions can’t exceed 1,000,000 USD. If you submit a larger single transaction for same-day processing, Stripe remits the funds for processing on the following day.
- The 1,000,000 USD limit applies only to single transactions. You can submit multiple smaller transactions that total more than 1,000,000 USD for same-day processing.
Note
ACH operators monitor for attempts to evade the limit, such as by splitting a single large transaction into multiple smaller transactions. If they suspect an evasion attempt, they process those transactions for next-day settlement in the next available processing window.