Negative balance handling by country

Sometimes, if you refund charges or receive a chargeback, your available Stripe balance from recent charges may not be enough to make up the difference. In this case you’ll end up with a negative balance, and one of the following will apply:

  • If your bank account is in Australia, Canada, the UK or the US, we’ll initiate a withdrawal back from your bank account to cover the negative balance. This will show up in your Stripe dashboard as a withdrawal with a negative amount, and in your bank account as a debit. This withdrawal will be created the next day in Australia, Canada, or the US and in three business days in the UK—even if you’ve chosen to receive payouts on a weekly or monthly basis. Withdrawals will not be delayed in accordance with your regular payout schedule.

  • If your bank account is in continental Europe, Hong Kong, Singapore, Japan, Mexico or Brazil we don’t currently debit your bank account to cover negative balances (although we plan to in the future). For now, the negative balance will stay in your Stripe account, and subsequent payments accepted with Stripe will go towards paying off the difference. We’ll start sending payouts to your bank account once you’ve received sufficient payments and your available balance has become positive again.

If you have multiple different bank accounts in different currencies, the balance for each currency is handled separately—that is, we won’t subtract from payments received in one currency to cover a negative balance in another currency.

We recommend contacting your bank directly to confirm whether it may restrict debits to your bank account, as this can affect your ability to receive payouts from Stripe successfully. Some banks may require you to explicitly whitelist debits from us. If you need to do this in the US or Canada, you may provide your bank with Stripe’s ACH company IDs: WFMSTRIPE1 - Stripe Inc, and 1800948598 - Stripe Payments Company.

If you accept payments via ACH, you may also need to have them whitelist 2270465600 - Stripe Inc, and 1800948598 - Stripe Payments Company.

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