Add funds to your Stripe balance

To maintain stability in your business when your account has a negative balance or when you expect an increase in customer refunds or disputes, you can add funds directly to your Stripe balance using a wire or bank transfer.

You can proactively add funds to use for future refunds or chargebacks. These funds are held separately from your earnings, payouts, and funds from other Stripe products.

Availability

In several markets, funds are added to a Stripe VBAN (which helps reconciliation speed) using a local bank credit transfer. These include: AMER (United States), EMEA (United Kingdom, EUR Currency markets) and APAC (Japan).

In other markets, funds are added using a wire transfer, which follows slightly different times and processes. Only wire transfers are available in the following regions and countries: AMER (Canada), EMEA (Non-EUR Currency markets: BG, CZ, HU, LI, GI, RO), APAC (AU, NZ, SG, HK, IN, TH, MY), and LatAm (BR, MX). Stripe VBAN isn’t available in these regions and countries.

Add funds

This section outlines the steps to send funds from your bank using the Dashboard to add them to your Stripe balance.

Before you send funds

1. Navigate to the Balances page and click Add money.
2. Select Refunds and disputes as the use case and enter the amount you want to add to your balance.
3. Choose whether to use a wire or local bank transfer, review the necessary Stripe bank information for the transfer, then click Done.
4. Open your banking portal and initiate the transfer from your bank account.
5. If you’re sending funds from a country that uses wire transfers, make sure that you include your Stripe unique reference code in the transfer memo to avoid delays in settling the funds to your account.

After you send funds

1. After your bank has sent the funds, navigate back to the Balances page, and click Add to balance.
2. If the modal prompts you for a receipt, upload a screenshot or document that confirms your bank transferred the funds. To fund your Stripe balance faster, you might need to provide a screenshot or PDF of your bank’s transfer or wire confirmation.
3. Click Confirm transfer.

View and use your funds

To see the total amount of funds set aside for future refunds, disputes, or negative balances, go to Future refunds or disputes or negative balance in the Balances page. Stripe first attempts to process refunds and disputes from your available balance. If your available balance is insufficient, Stripe uses these reserved funds. If these reserved funds are also insufficient, then your available balance might go negative.

When you receive the balance.available webhook, view the content of refund_and_dispute_prefunding to locate the available and pending amounts of the funds set aside for future refunds, disputes, or negative balances. The following example event shows a balance snapshot with details of refund_and_dispute_prefunding balances.

{
  "id": "{{EVENT_ID}}",
  "object": "event",
  "type": "balance.available",
  "data": {
    "object": {
      "object": "balance",
      //...
      "available": [
        "0": {
          "amount": 1000,
          "currency": "usd",
          "source_types" : [
            "bank_account": 100,
            "card": 900,
          ],
        },
        "1": {
          "amount": 0,
          "currency": "eur",
          "source_types" : [
            "bank_account": 0,
            "card": 0,
          ],
        }
      ],
      "pending": [
        //...
      ],
      "refund_and_dispute_prefunding": {
        "available": [
          "0": {
            "amount": 1000,
            "currency": "usd",
          },
          "1": {
            "amount": 0,
            "currency": "eur",
          }
        ],
        "pending": [
          "0": {
            "amount": 1000,
            "currency": "usd",
          },
          "1": {
            "amount": 0,
            "currency": "eur",
          }
        ],
      }
      // ...
    }
  }
}

Settlement timing

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.