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Refills Public preview

Learn how to enable refills for your Capital program.

Refills are additional financing offers sent to connected accounts who’ve made substantial repayment progress towards their in-progress financing offer balance. If approved, refill offers for connected accounts based in the United States (US) and Australia (AU) pay down the remaining balance on the in-progress balance.

For France (FR), Germany (DE), and the United Kingdom (GB), review stacked refill behavior.

Before you begin

• This guide assumes you completed an API integration .
• Refills aren’t enabled by default. After you update your integration to support refills, you must submit details about your integration and API use to Stripe for compliance review using the Change Request Form .

Refill offer lifecycle

1. Stripe evaluates Capital connected accounts with active financing for refill financing eligibility on a daily basis.
2. When a refill offer is created, you receive a capital.financing_offer.created webhook which contains "product_type": "refill" to indicate it’s a refill offer.
3. Depending on the product_type and offered_terms.campaign_type fields, use approved messaging to communicate the financing offer to the connected account through email, embedded component, or in-app push notification.
4. The connected account accesses the refill application with the same Account Link setup from the API set up guide. The connected account can adjust a custom slider up to the maximum qualified offer amount.
5. Connected accounts who accept the refill offer might be offered a discount (taken as a percentage on the remaining premium of their existing balance). This discount rate is exposed as previous_financing_fee_discount_rate under offered_terms.
6. If the connected account accepts the refill offer, we send a capital.financing_offer.accepted webhook event. The event payload contains an accepted_terms field with the amounts selected by the connected account. The previous_financing_fee_discount_amount field is null until the connected account fully pays the previous financing, and we determine the discount amount. If there’s no discount, previous_financing_fee_discount_amount remains null even after the previous financing is fully repaid. Example webhook: { "type": "capital.financing_offer.accepted", "api_version": "2022-02-28", "created": 123456789, "data": { "object": { "id": "financingoffer_abcdef123456", "object": "capital.financing_offer", "account": "acct_abcdef123456", "created_at": 123456789, "expires_after": 123456789, "livemode": true, "status": "accepted", "accepted_terms": { "currency": "usd", "advance_amount": 100000, "fee_amount": 10000, "withhold_rate": 0.15, "previous_financing_fee_discount_amount": null }, "financing_type": "flex_loan", "offered_terms": { "currency": "usd", "advance_amount": 100000, "fee_amount": 10000, "withhold_rate": 0.15, "campaign_type": "repeat_user", "previous_financing_fee_discount_rate": 0.5 }, "product_type": "refill" } } }
7. The new financing repays and closes out the connected account’s active balance first. Then the connected account receives the difference. This new financing payout sends the capital.financing_offer.paid_out webhook event, and sets the previous_financing_fee_discount_amount field will.
8. Retrieve the financing summary to see the details of the connected account’s paid_out financing. Example response: { "object": "capital.financing_summary", "details": { "currency": "usd", "advance_amount": 1000000, "fee_amount": 100000, "withhold_rate": 0.2, "remaining_amount": 0, "paid_amount": 0, "current_repayment_interval": { "due_at": 123456789, "remaining_amount": 50, "paid_amount": 50 }, "repayments_begin_at": 123456789, "advance_paid_out_at": 123456789 } }
9. You can also view details about the refill and original financing on the Financing Reporting page.

Stacked refill behavior

Stacked refill behavior

Refills behave differently based on connected account country and partner. The following differences apply to connected accounts based in the United Kingdom (GB), France (FR) or Germany (DE).

Two simultaneously active financings

When a stacked refill is accepted and paid out, the original financing remains active. The refill payout doesn’t automatically repay the original financing.

Withholding order and rate

When you accept the refill offer, we apply the new withholding rate to your original financing. After that is fully repaid, we begin withholding towards the new financing.

Webhook event ordering

For UK, FR, and DE connected accounts, capital.financing_offer.fully_repaid isn’t emitted for the original financing at the time of refill payout. That event is sent later, when the original financing is actually fully repaid.

There is no difference in the capital.financing_offer.created webhook behavior. The refill offer is created with product_type=refill in both cases, and offers can be listed and retrieved using the FinancingOffer API.

See also

• Set up an API integration