Payout statement descriptors

Understand and manage how Stripe payouts appear on a connected account's bank statements.

The statement descriptor used for Connect payouts varies according to the properties of the connected account and the conditions of the payout. We use a precedence order for manual and automatic payouts. Beneficiary banks don’t guarantee that they’ll display statement descriptors—while Stripe shares this information with the beneficiary’s bank, it’s up to the beneficiary bank to decide what they actually display on the bank statement.

Connected accounts can set a customized statement descriptor in their payouts balance settings.

ACH payout descriptor limit

For standard US ACH payouts, the statement descriptor maps to the ACH Company Entry Description field, which the the related setting standard limits to 10 characters. Stripe silently truncates any descriptor longer than 10 characters before submitting to the banking partner. To ensure your descriptor appears as intended on US ACH payouts, use 10 characters or fewer.

Default statement descriptor

Connect platforms can configure a platform-wide default statement descriptor in their Connect settings, which is also used under certain criteria. Even when the precedence order falls to it, the default statement descriptor configured in your platform’s Connect settings only applies to a connected account’s payout under certain criteria.

The connected account belongs to a platform that pays Stripe fees , or you have platform controls for it.
The connected account doesn’t have access to the Stripe API. Connected accounts only have access to the Stripe API if they can access the Stripe Dashboard.
The connected account isn’t restricted from using the read _ write OAuth scope. Connected accounts can use the read _ write OAuth scope if they have access to the Stripe Dashboard and aren’t explicitly restricted from using it with platform controls.

Unless all of these criteria apply, the statement descriptor defaults to the related setting. However, this default might be subject to other external factors, such as which bank processed the payout.

Dashboard

You can customize a statement descriptor for all your connected accounts payouts on your connect settings page in the Dashboard.

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Example response of an account updates with a Payout Statement Descriptor

{
 "id": "{{ACCOUNT_ID}}",
 "object": "balance_settings",
 ...
 "settings": {
 "payments": {
 "payouts": {
 "statement_descriptor": "Cactus Payouts"
 }
 }
 }
}

Precedence order

If you don’t define any statement descriptor for your connected accounts, we default to the related setting as the descriptor shown on your connected account’s bank statement.

To learn more about account-level and payout-level statement descriptors, visit the payout statement descriptors overview page.