Enable Capital payouts to financial accounts
Let your connected accounts receive Capital financing proceeds in their financial accounts.
Let your connected accounts receive Stripe Capital financing proceeds directly into their financial accounts. This gives your users access to funds within minutes and keeps Capital proceeds within your platform’s embedded financial product.
Before you begin, make sure you meet the following requirements:
- You use Capital for platforms.
- You use Treasury for platforms.
- Your connected accounts have financial accounts.
How it works
When your integration is complete, connected accounts see a destination selector on the final page of their Capital application. This destination selector shows:
- Their eligible financial account (displayed with your platform icon and the account’s display name, selected by default)
- Their default external bank account (displayed with bank name and last four digits)
Your connected accounts choose their preferred destination when they accept their Capital offer.
Financial account eligibility
A financial account appears as a Capital payout destination when it meets all of these criteria:
- It has a display name set.
- It has banking credentials provisioned that match the Capital financing currency
- It isn’t explicitly excluded by your platform
- Your platform has opted in to enabling financial accounts as a Capital payout destination.
Banking credentials are required because Stripe partners with financial institutions who handle disbursement in some markets. The partner needs bank account credentials (routing number and account number, or sort code and account number in the UK) to send funds to the financial account.
Set a display name on financial accounts
Every financial account eligible for Capital payouts must have a display name. Use the same name your users already know for their financial account product on your platform.
Create a financial account with a display name
Command Line
cURL
Add a display name to an existing financial account
Command Line
cURL
Provision banking credentials
The financial account must have banking credentials that match the currency of the Capital offer. For example, USD Capital offers require USD banking credentials (routing number and account number).
Provision banking credentials in two steps:
- Enable the financial _ addresses. bank _ accounts capability on the connected account’s storer configuration.
- Create a financial address for the financial account with the appropriate currency.
Enable the capability
Request the capability when creating the account or update an existing account:
Command Line
cURL
After you request the capability, wait for it to become active before creating a financial address. Use the v2.core.account[configuration.storer].capability_status_updated webhook to observe updates.
Create the financial address
After the capability is active, create a financial address for the financial account:
Command Line
Select a language
USD
GBP
No results
Only financial addresses with status active make the financial account eligible for Capital payouts.
Exclude specific financial accounts (optional)
Some financial accounts might not be appropriate destinations for Capital payouts, for example, accounts whose balances aren’t visible to the connected accounts.
To exclude a financial account, set the exclude_from_capital_payouts metadata flag:
Command Line
cURL
By default, all financial accounts meeting the eligibility criteria are eligible. Use this opt-out mechanism only for specific accounts that shouldn’t receive Capital funds.
Contact Stripe to enable the feature
After you configure your financial accounts with display names, banking credentials, and optional exclusions, contact Stripe at to enable Capital payouts to financial accounts for your platform.