Stripe offers different settlement timings for ACH Direct Debit payments. Standard settlement timing is six working days from the payment creation date for users on the Charges API and four working days for users on the PaymentIntents API.

Once ACH Direct Debit payments have been settled to your Stripe account balance, payouts are made to your bank account according to your set payout schedule.

Additional information

• Eligible users in the US who are processing ACH Direct Debit payments on the PaymentIntents API can opt in to faster settlement timing, where funds are available in your Stripe balance two working days from payment creation. To learn more about this feature, see Two-day settlement for ACH Direct Debits.