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Stripe payout schedules explained

Payout schedules and built-in delays

Your initial payouts are typically available ten days after you add your bank account and take your first successful payment on Stripe. You can reduce the waiting period based on account activity over time. 

This delay allows Stripe/BetterUnite to mitigate some credit service risks. We are not able to waive or alter the payout timing requirement. If your account has enough processing history and longevity with us, the payout schedule may be reduced to 5 days automatically, and you may also be eligible for Instant Payouts. However, this schedule may be automatically or manually increased again based on account activity patterns or other risk factors. These simple measures are in place to reduce risk for credit services and the platform.

Note that for any disputes on your account from your donors/payers, the payout schedule may be increased to help reduce risk as we return the funds to the donor. If there are multiple disputes in a short period, your payouts may be paused until we clear up conflicts and funds are recovered from your account for refunds. 

Quick tip: How to help get your money sooner

  • Keep your account active and continue to process payments.
  • Have no disputes for 6 months.

Regular payout schedules

You can confirm your payout schedule and estimated payout timing in your settings->online funding->Stripe Express settings for your connected account.

If you do not receive your funds by this date:

  • This might be related to account verification. Please check both your email to see if we requested additional information from you to complete this process.
  • This might be related to bank processing time. Banks can add extra days, including weekends and holidays. Once the bank has finished processing your payout, they will deposit the funds into your account automatically.

Payout speed

Your payout schedule refers to how frequently funds from your transactions are paid to your bank account. Your payout speed refers to how quickly transaction funds can be paid out. Stripe operates with its payment speed, and other payment processors and merchant account providers will have different payment speeds.

Since payout speed isn’t the same for all businesses, it’s typically expressed as a formula:

Payout speed = T + X days

T is the total transaction time—including processing and capture—and X is the additional time it takes for those funds to be available for payout. For example, if your account is set to receive weekly payouts, your payout on any given day will comprise funds from transactions that occurred at least seven business days prior. There is some variation here since funds from some transactions take longer to capture after authorization than others.

For Stripe users, aside from payout frequency, the time it takes to receive a payout from your customer transactions can vary depending on other factors, such as which industry you work in and the risk level of your business. Depending on the account history and activity, additional considerations might impact your payout speed and cadence.

In most cases, when you begin using Stripe to process live payments from your customers, you’ll receive your first payout ten days after accepting your first customer payment.

Need Additional Help?

We're here to assist you in any way we can. Don't hesitate to reach out to support@betterunite.com

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