Add funds to your Stripe balance

Cover increased refunds and chargebacks by adding funds to your balance.

To maintain stability in your business when your account has a negative balance or when you expect an increase in customer refunds or disputes, you can add funds directly to your Stripe balance using a wire or bank transfer.

For businesses using automatic payouts, we recommend that you set a minimum balance to ensure timely processing of refunds.

Payment method availability

In several markets, funds are added to a Stripe the related setting (which helps reconciliation speed) using a local bank credit transfer. These include: the related setting (United States), the related setting (United Kingdom, EUR Currency markets) and the related setting (Japan).

In other markets, funds are added using a wire transfer, which follows slightly different times and processes. Only wire transfers are available in the following regions and countries: the related setting (Canada), the related setting (Non-EUR Currency markets: BG, CZ, HU, LI, GI, RO), the related setting (AU, NZ, SG, HK, IN, TH, MY), and LatAm (BR, MX). Stripe the related setting isn’t available in these regions and countries.

Payments balance

In the UK and JP, you can add funds directly to the payments balance. We recommend this option for most businesses because it avoids transiting funds through a separate balance.

For businesses using automatic payouts, funds added to the payments balance in excess of the minimum balance are paid out in the next payout. You can configure your payout schedule and minimum balance settings in your Payout settings.

Refunds and disputes balance

You can also add funds to the Future refunds or disputes balance ( refund_and_dispute_prefunding), which is a separate balance. These funds are never included in an automatic payout, but you can initiate a manual payout at any time.

Stripe first attempts to process refunds and disputes from your available payments balance. If your payments balance is insufficient, Stripe uses these reserved funds. If these reserved funds are also insufficient, then your payments balance might go negative.

Payouts reconciliation

For businesses using automatic payouts, balance transactions for refunds and disputes funded from the Future refunds or disputes balance aren’t included in payouts reconciliation reports.

Financial account

In the US and UK, you can add funds to a financial account in the Stripe Dashboard. A financial account lets you store funds, send and receive money, convert currencies, and create spend cards.

Add funds

This section outlines the steps to send funds from your bank using the Dashboard to add them to your Stripe balance.

Before you send funds

You can send funds from an external bank account to fund your financial account. In the US, you can send funds with an ACH transfer or wire. With ACH, funds are available in about 3 days after you initiate the transfer from your bank. With wire transfers, funds are available within the day. Additional charges apply if funding with a wire.

1. On the Balances page, click Add funds .
2. Select the balance to add money to.
3. Select the funding method.
4. The next steps depend on the selected method:

• Manually transfer from your bank : Click Continue , then copy the account details and use them to initiate the transfer from your bank. If you’re using a sandbox , enter an amount to simulate a transfer without accessing your real bank account. Then click Done (for a the related setting) or Confirm transfer (for a wire transfer).
• Linked bank account : Select a bank account or click Add bank account and enter the account details. Then, enter the amount and click Continue . Review the details, then click Add {amount} .

The bank associated with the displayed account number or the related setting depends on the selected balance. For example, the Refunds and disputes balance might show a Wells Fargo the related setting, and a Treasury financial account might show a Fifth/Third the related setting.

After you send funds

1. After your bank has sent the funds, navigate back to the Balances page, and click Add to balance .
2. If the modal prompts you for a receipt, upload a screenshot or document that confirms your bank transferred the funds. To fund your Stripe balance faster, you might need to provide a screenshot or PDF of your bank’s transfer or wire confirmation.
3. Click Confirm transfer .

View your funds

After Stripe receives the funds, we show the added funds in the Balances page.

You also receive a balance.available webhook. The following example event shows a balance snapshot with details of refund_and_dispute_prefunding balances:

{
 "id": "{{EVENT_ID}}",
 "object": "event",
 "type": "balance.available",
 "data": {
 "object": {
 "object": "balance",
 //...
 "available": [
 {
 "amount": 1000,
 "currency": "usd",
 "source_types" : {
 "bank_account": 100,
 "card": 900
 }
 },
 {
 "amount": 0,
 "currency": "eur",
 "source_types" : {
 "bank_account": 0,
 "card": 0
 }
 }
 ],
 "pending": [
 //...
 ],
 "refund_and_dispute_prefunding": {
 "available": [
 {
 "amount": 1000,
 "currency": "usd"
 },
 {
 "amount": 0,
 "currency": "eur"
 }
 ],
 "pending": [
 {
 "amount": 1000,
 "currency": "usd"
 },
 {
 "amount": 0,
 "currency": "eur"
 }
 ]
 }
 // ...
 }
 }
}

Settlement timing

This table provides the expected timing for fund settlement based on the region and payment transfer method, and can help you understand how long it typically takes for payments to process.

Depending on your account configuration, you might not have access to all the methods mentioned above immediately after launching.

If you’re a new user and haven’t completed a substantial amount of top-ups to Stripe, the timing for fund availability might initially be delayed longer than indicated; however, your initial speed will eventually align with the outlined speeds.

See also

• Add funds to your platform balance
• Manage prorations for modified subscriptions