Moving money with Treasury using ReceivedCredit objects

Learn how to move money into a Treasury financial account from another Treasury financial account or bank account.

When funds move into a financial account, Stripe creates a corresponding ReceivedCredit object on the account. A ReceivedCredit contains information on how the funds were sent and from what account, where possible. You can send funds to a financial account with the account’s routing and account numbers for ach and us_domestic_wire, or the financial account ID for transfers between financial accounts.

When the origin of the funds is another Treasury financial account, the ReceivedCredit contains a linked_flows.source_flow reference to the originating money movement. In this case, the source OutboundPayment has stripe as its network value.

Retrieve a ReceivedCredit

Use GET /v1/treasury/received_credits/{{RECEIVED_CREDIT_ID}} to retrieve the ReceivedCredit with the specified ID.

The following request retrieves the ReceivedCredit with the specified ID. The response for this request includes expanded Transaction object details.

If successful, the response provides the requested ReceivedCredit object. Some of the parameters in the response have additional details that are only returned when you add them as values to the expand[] parameter of your request. The fields that you can expand have an Expandable comment in the following response example. See Expanding Responses to learn more about expanding object responses.

JSON (commented)
{
  "id": "{{RECEIVED_CREDIT_ID}}",
  "object": "received_credit",
  "livemode": true | false,
  "created": "{{Timestamp}}",
  // The FinancialAccount that received the funds
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}", // Expandable
  "amount": 1000,
  "currency": "usd",
  // The description of this movement sent by the originator

List ReceivedCredits

Use GET /v1/treasury/received_credits to retrieve all of the ReceivedCredits for the financial account with the ID of the required financial_account parameter. You can filter the list with the standard list parameters, by status, or by linked_flows.source_flow_type.

{
  // Standard list parameters
  "limit", "starting_after", "ending_before",
  // Filter by FinancialAccount (required)
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
  // Filter by status
  "status": "succeeded" | "failed",
  // Filter by `source_flow_type`
  "linked_flows.source_flow_type": nil | "payout" | "outbound_payment"
}

The following request retrieves the ReceivedCredits that have a status of failed for the specified financial account.

If successful, the response includes the ReceivedCredit objects that match the criteria specified in the request.

Testing ReceivedCredits

Use POST /v1/test_helpers/treasury/received_credits to simulate receiving funds in a financial account. To simulate a bank transfer from an account outside of Stripe to your financial account, set initiating_payment_method_details to the values of the external bank account, and set network to ach or us_domestic_wire.

The following request creates a test mode ReceivedCredit from an external bank account using an OutboundPayment between two financial accounts on the same platform.

If successful, the response returns a ReceivedCredit object. The following is an example of a response for a bank transfer.

{
  "financial_account": "{{FINANCIAL_ACCOUNT_ID}}",
  "network": "ach",
  "amount": "1234",
  "currency": "usd",
  "description": "Test",
  "source_details": {
    "type": "aba",
    "aba": {
      "country": "US",
      "routing_number": "12341234",
      "account_number": "0123456789",
      "account_holder_name": "Jenny Rosen",
    }
  }
}

ReceivedCredit webhooks

Stripe emits the following ReceivedCredit events to your webhook endpoint:

treasury.received_credit.created on ReceivedCredit creation.
treasury.received_credit.{{new_status}} when an ReceivedCredit changes status. Available status value options include:
- treasury.received_credit.succeeded
- treasury.received_credit.failed
treasury.received_credit.reversed on ReceivedCredit reversal.