Add funds to your platform balance

Platforms can add funds to their balance from a bank account.

Platforms can add funds to their Stripe balance to pay connected accounts for goods or services. There are a number of different use cases for adding funds to pay connected accounts for goods or services, including:

Paying bonuses or other one-off payouts, independent of specific charges
Providing customer discounts while still paying full price for goods or services to sellers
Adding funds from non-Stripe income
Enabling faster payouts (for example, pay a vendor before incoming funds become available)

Where permitted, platforms can also add funds to their Stripe balance to send funds to recipients off of Stripe (for example, through cross-border payouts). They can also pay out added funds to other accounts they own.

Nota

If a transfer or payout fails due to insufficient funds in your platform balance, adding funds doesn’t automatically retry the failed action. After adding funds, you must repeat any failed transfers or payouts.

Disponibilidad

This table outlines the regions where your Stripe platform can operate, and can help you understand the approval requirements and the status verification process.

Disponibilidad	Descripción
General availability	USA, UK, Japan
Versión beta privada	EU, Canada, Australia, New Zealand. Contact your sales representative for the latest information on availability in these markets.
Se requiere aprobación	In all markets, you must complete KYC to get your platform profile approved. You can do so using the Stripe Dashboard, or by contacting your sales representative.
Status verification	You can verify the status in your settings after you create the platform profile.

Requirements

All of these requirements must be met to add funds to your Stripe balance:

Your platform and the connected account receiving the funds are either in the same market or the connected account has a recipient service agreement.
Your platform profile is approved. You can check the status in your settings after completing the platform profile.

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.

Nota

Only team members with administrator access to the platform Stripe account and who’ve enabled two factor authentication can add funds.

If you’re new to Connect, start with a guide to add funds to your platform balance and pay out money.

Confirm funding purpose

To add funds, go to the Balance section in the Dashboard. Click Add to balance.

Select Payments balance to add funds that are paid out to your connected accounts. You can also use funds added to the payments balance to cover future refunds and disputes or to repay your platform’s negative balance. To learn more about Refunds and disputes balance, see adding funds to your Stripe balance.

Verify your bank account

You must use a verified bank account to add funds. You’ll go through the verification process in the Dashboard when you first attempt to add funds from an unverified bank account.

If your bank account is unverified, you must confirm two microdeposits from Stripe. These deposits appear on your online banking statement within 1-2 business days, with ACCTVERIFY for the statement description.

Stripe te notifica en el Dashboard y mediante correo electrónico cuando los microdepósitos llegan a tu cuenta. Para completar el proceso de verificación, haz click en la notificación del Dashboard en la sección Saldo, ingresa el importe de ambos microdepósitos y haz clic en Verificar cuenta.

Add funds

After verification, you can use the Dashboard or the API to add funds to your account balance.

In the Dashboard, go to the Balance section.
Click Add to balance, and then select Payments balance.
Enter the amount to top-up.
Select a payment method.
For bank debits, verify the amount and click Add funds. For bank transfers, use the Stripe banking information to initiate a bank transfer or wire transfer from your bank.
The resulting object is called a Top-up, which you can view in the Top-ups section of the Dashboard. For bank transfers, the top-up isn’t created until the funds are received.
After the funds are available in your platform’s Stripe balance, you can transfer funds to a connected account through the API or the Dashboard. In the Dashboard, transfer funds to a connected account by clicking Add funds in the Balance section of the connected account’s details page.

View your funds

View your added funds in the Dashboard on the Top-ups tab under the Balance page. Each time you add funds, it creates a Top-up object that has a unique ID with the format tu_XXXXXX, which you can see on the detailed view for the top-up.

Plazo de acreditación de fondos

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.

Region and currency	Payment transfer method	Estimated speed
USA (USD)	Transferencia electrónica	1-5 days
USA (USD)	Transferencia de crédito ACH	1-3 days
USA (USD)	ACH Debit Transfer	5 días
EU (EUR)	Transferencia de crédito SEPA	1-2 days
UK (GBP)	FPS	2 hours - 1 day
UK (GBP)	BACS	De dos a tres días hábiles
Other currencies	Transferencia electrónica	1-7 days (if you provide the correct wire information to Stripe)

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.

Testing

You can use the Dashboard or the API to test adding funds to your balance.