Everything you need to know about how Stripe transfers funds to your bank account, including schedules, speeds, fees, and instant payouts.
What is a Payout?
A payout is the transfer of funds from your Stripe merchant account to your business's general bank account. While customers pay you directly, the funds first land in your Stripe balance before being bundled and sent to your bank according to your settings.
For businesses using platforms like Shopify or DoorDash, payouts typically come from the platform rather than directly from Stripe, though the underlying mechanics remain similar.
Stripe Payout Schedule
Your payout schedule is the cadence at which Stripe sends money to your bank. In most countries, Stripe defaults to an automatic daily schedule.
Automatic Options
- • Daily (default)
- • Weekly (fixed day)
- • Monthly (fixed date)
Manual Payouts
You can choose to initiate payouts manually at any time via the Stripe Dashboard if you prefer to hold funds longer.
Country Restrictions
In Brazil and India, payouts are always automatic and daily. In Japan, daily payouts are currently unavailable.
Payout Speed
Payout speed refers to how quickly funds from a specific transaction become available for payout. This is typically expressed as T + X days.
- Standard Speed: Most countries operate on a T+3 schedule (3 business days).
- Accelerated: Low-risk businesses in the US and Canada may qualify for 3-day or even 2-day speeds.
- High-Risk: Certain industries may have an extended payout speed of up to 14 days.
Currencies & Bank Accounts
Stripe supports over 135 currencies for acceptance. You can choose the settlement currency in which you want to receive your funds.
| Type | Detail |
|---|---|
| Local Settlement | No extra fee in official local currency |
| Alternative Currency | Available for an additional fee |
If you want to receive payouts in multiple currencies (e.g., EUR and SEK in Sweden), you will need to add a separate bank account for each currency to your Stripe Dashboard.
Stripe Instant Payouts
Instant Payouts allow you to request funds on any day, including weekends and holidays, with money appearing in your account within 30 minutes.
Eligibility Requirements
- Must be in the US, UK, Canada, or Singapore
- Must have processed on Stripe for at least 60 days
- Requires a supported debit card (US/Canada/Singapore) or bank account (US/UK)
Stripe Payout Limits & Fees
No Maximum Limits
There are no upper limits on how much you can receive in a single payout.
Minimums Apply
Payouts must be at least one base unit of the local currency (e.g., $0.01 in the US). Some regions may have higher minimums.
Standard Payout Fee: $0.00
Standard payouts are included in Stripe's base transaction fees. Only Instant Payouts and Alternative Currency settlements incur additional costs.
Still have questions? Ask KnowChat AI
Navigating international payment requirements can be complex. Our AI assistant is trained on the latest Stripe global policies and can answer specific questions about regional taxes, compliance, and supported methods.
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