How to Add Funds to Your Stripe Balance
To maintain stability when your account has a negative balance or when you expect an increase in refunds, you can add funds directly to your Stripe balance using a wire or bank transfer.
💡 Tip: If you're on automatic payouts, we recommend setting a minimum balance in Stripe to ensure refunds are processed on time without interruption.
Before you start: Go to your Stripe Dashboard and navigate to the Balances page.
Steps to add funds:
- Click Add funds
- Select the balance you want to add money to
- Enter the amount and click Next
- Follow the instructions to send the funds from your bank via ACH transfer or wire transfer, then click Done
After your bank sends the funds:
- Go back to the Balances page and click Add to balance
- If prompted, upload a screenshot or confirmation of your bank transfer
- Click Confirm transfer
Once Stripe receives the funds, your updated balance will appear on the Balances page.
How long does it take?
| Transfer Method | Estimated Time |
|---|---|
| ACH Transfer | 1–3 days |
| Wire Transfer | 1–5 days (same day in some cases) |
⚠️ Note: Wire transfers are faster but may have additional fees.
Once funds are available, go back to the original invoice in Onespot and retry the refund manually. Stripe will not automatically retry it.
👉 Why Can't I Process a Refund?
Set up minimum balances
Minimum balances work with all automatic payout schedules. If you dip below the set minimum balance, Stripe attempts to renew first by using your available balance. If you have no available balance, we use your incoming funds instead.
To set up a minimum balance:
- Log in to the Dashboard. Minimum Balances are only available when you have access to the Stripe Dashboard.
- Navigate to Payout Settings. Under the Minimum Balance section, toggle the option on, and set a fixed amount.
- Specify the amount you want to keep as a minimum balance. This amount remains in your account to cover potential refunds, disputes, and fees.
- Save your settings. Your automatic payouts will now retain the specified minimum balance.
Learn More: https://docs.stripe.com/payouts/minimum-balances-for-automatic-payouts