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Financial accounts Public preview

Use financial accounts to store, send, and receive funds.

Financial accounts serve as the source or destination of funds storage and movement across all Stripe products. You can provision different financial accounts with their own distinct balances for your platform and your connected accounts.

For example, a connected account on your platform might have a 100 USD payment balance and a 200 USD storage financial account balance, representing a total balance of 300 USD. These two balances remain separate, but you can move money in and out of these accounts for different purposes depending on which capabilities you enable for the connected accounts.

Balances

A financial account balance includes both settled and pending transactions, so the total might not reflect the funds a connected account can spend. Retrieve a financial account to view the following balance subtotals and their currency:

• available : Funds the connected account can spend now.
• inbound _ pending : Funds that aren’t spendable yet, but that become available later.
• outbound _ pending : Funds that are in the account, but aren’t spendable because they’re held for pending outbound flows.

Negative balances

If your connected account has a negative balance in one of their financial accounts, Stripe holds an equivalent reserve on your platform’s connected reserve balance, funded from your platform’s payments balance. This reserve automatically releases after the negative balance resolves.

After 180 days, Stripe remediates a negative balance by moving funds from your platform reserve to bring the financial account back to zero.

Monitor your connected accounts to identify and address negative financial account balances to avoid Stripe interventions. Contact your connected account representative and, if necessary, you can add funds to a financial account.

Stripe contacts you if individual or aggregate balances exceed our risk limits.

Financial account types

The FinancialAccount object has a type that determines:

• What the balance represents: A balance might represent incoming payments or fees.
• What you can do with it: Each type supports a specific set of money management APIs, such as outbound payments or multiprocessor settlement.
• How Stripe displays it: The type determines the display name and context shown to users.

Storage

You can create storage financial accounts to separate funds for different purposes and different currencies, such as:

• Holding funds transferred from the payments balance, received from a FinancialAddress, or pulled by InboundTransfer.
• Supporting OutboundPayments, OutboundTransfers, card spend, and other money management APIs.
• Specifying funds _ usage _ type values of consumer or business .

Your connected account must have active business_storage capabilities for each currency its storage financial accounts support.

• money _ manager. business _ storage. inbound. {currency} : Enables creating storage FAs and receiving funds into them
• money _ manager. business _ storage. outbound. {currency} : Enables sending funds out of storage FAs

the related setting eligibility United States

Storage financial accounts for US businesses are the related setting-eligible.

Payments Private preview

Available in:

If you’re a platform in the US using Prebuilt embedded finance, Stripe automatically creates a payments financial account representing the Stripe payments balance you see in your Dashboard. The funds in this financial account aren’t the related setting-eligible.

• Every Stripe user has only one payments financial account, which Stripe creates automatically.
• You can’t create additional financial accounts with the payments type.
• The payments balance reflects funds from card payments, bank transfers, and other payment methods.
• This financial account shares the same balance with an existing v1 Account payments account. You can continue to use the v1 payments balance in your integrations, but must use the financial account ID for money management operations.
• You can make money management API requests from the payments financial account when the applicable money _ manager capabilities are active.
• You can fund Issuing card spend from the payments financial account.

Retrieve the payments financial account

You can retrieve a connected account’s financial accounts using the type: "payments" filter to get the payments financial account ID for use in other API requests, such as outbound payments and outbound transfers.

Command Line

cURL

The response includes the payments FinancialAccount with its ID:

Example response

{
 "data": [
 {
 "id": "fa_payments_abc123",
 "type": "payments",
 "balances": {
 "available": { "value": 50000, "currency": "usd" }
 }
 }
 ]
}

Money management behavior

When a connected account has money_manager capabilities, they can take additional actions on the payments financial account.

Financial account actions

You can perform any of the following requests on the FinancialAccount object:

• Create a financial account
• Update a financial account
• Retrieve a financial account
• List financial accounts
• List financial account statements
• Retrieve a financial account statement
• List transactions
• Retrieve a transaction
• Close a financial account

Webhooks

The following v2.money_management events trigger in response to financial account activity. Listen for them so you can incorporate handling in your integration.

Close a financial account

You can permanently close a financial account if:

• Its status is open .
• Its balance is zero, or you specify forwarding settings to redirect any incoming transactions after closing.

Command Line

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Required capabilities

Your ability to perform financial account actions depends on enabling the corresponding capabilities for your connected accounts.

See also

• Build an integration
• Working with connected accounts