Cross-border payouts
Transfer and pay out funds to connected accounts in other countries.
Use cross-border payouts to transfer funds to connected accounts in their local currencies when your platform and connected accounts are in different supported regions.
Availability
Platforms based in the US, UK, EEA, Canada, or Switzerland can transfer funds to connected accounts in any of those regions, regardless of the payment settlement currency. For example:
- A platform in the UK can pay out to a seller in the US.
- A platform in Germany can pay out to a seller in Canada.
Stripe doesn’t support self-serve cross-border payouts to countries outside the listed regions. Contact sales to discuss alternatives, or use Global Payouts.
Compare integrations
Global Payouts allows platforms in certain countries to transfer funds to recipients in any supported country. Use the following table to choose between cross-border payouts and Global Payouts.
| Factor | Connect cross-border payouts | Global Payouts |
|---|---|---|
| Behavior | Onboard users to your platform and split payments or pay out balances to them. | Send money directly to the bank account of a third party. |
| Platform location | US, UK, EEA, CA, and CH | US, UK |
| Best for | Businesses that: Prefer a bundled solution for payments and payouts. Want to provide payee tools to track and manage earnings. | Businesses that: Want to decouple payouts from payments. Want to pay out using only the recipient email address. |
| Compliance | Shift legal and compliance requirements to Stripe using the Stripe Money Transmitter license. | Manage your own legal and compliance requirements. This might require a Money Transmitter license if you manage your customers’ funds. |
| Use cases | Marketplaces that exclusively use Stripe as their payments processor Global financial services and insurance platforms Franchises | Insurance claims payouts Fintech salary advances and disbursements Rebate, warranty, and rewards payouts Affiliate payouts Marketplaces that use multiple payment processors, decouple payments from payouts, or require funds segregation |
| Guidance | This guide | Global payouts |
Pricing
Cross-border payout fees depend on the location of the recipient. See Connect payout pricing.
Limitations
- Service agreement : You can’t make cross-border payouts to connected accounts under a recipient service agreement . For those accounts, use Global payouts .
- Supported funds flows : Cross border payments supports the following funds flows
- Separate charges and transfers without on _ behalf _ of
- Top-ups and transfers
- Destination charges without on _ behalf _ of