Cross-border payouts (2024)

Cross-border payouts enable you to pay sellers, freelancers, content creators, and service providers in their local currencies. You can transfer funds to connected accounts in other countries with your existing platform account and charge configuration.

Fund flow restrictions

The following fund flows are generally supported in countries for cross-border payouts:

• Separate charges and transfers without the on_behalf_of parameter
• Top-ups and transfers
• Destination charges

Direct charges and destination charges with the on_behalf_of parameter aren’t supported. However, some countries have additional limitations.

For Brazil and India, only the following fund flows are supported:

• Separate charges and transfers without the on_behalf_of parameter
• Top-up and transfers

Supported countries

Cross-border payouts enable US platforms using separate charges and transfers, destination charges, or top-ups to pay out to connected accounts in the following countries:

* Bank accounts in countries with an asterisk (*) can only receive Euro (EUR) payouts.

Some countries have special requirements for payments received from outside their country’s borders, or limitations on the supported fund flows. Those countries might also have higher minimum payout amounts.

Stripe isn’t responsible for providing direct support for accounts on the recipient service agreement. However, the platform can reach out to Stripe for support for these accounts.

Restrictions and requirements

• The platform must be in the US.
• Funds must come from separate charges and transfers, destination charges without on_behalf_of (OBO), or top-ups.
• The platform must be the business of record. Consequently, destination charges with on_behalf_of (OBO) aren’t supported.
• Connected accounts must onboard under the recipient service agreement. That means transfers to recipient accounts take an extra 24 hours to become available in the connected account’s balance.
• US connected accounts don’t support cross-border payouts; onboard US connected accounts using the full terms of service.
• You can’t make cross-border instant payouts.

In addition to businesses prohibited on Stripe, you can’t use cross-border payouts for:

• Crowdfunding
• Donations or fund contributions
• Non-fungible tokens (NFTs) minting and sales

The onboarding specifications for cross-border payouts vary by destination country. To learn more, see:

• Required verification information
• Supported settlement currencies
• Bank account formats