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Money management

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Embed financial services in your platform

Stripe Treasury lets marketplaces or platforms like Shopify, Squarespace, and Housecall Pro offer financial services. With a single integration, enable your customers to hold funds, pay bills, earn cash back, and manage cash flow. Use APIs for full control, or leverage prebuilt embedded components for a faster launch.

How it works

Offer financial accounts

Stripe Treasury for platforms provides the modular components you need to build a full-featured, scalable financial product for your customers. We’ve partnered with banks to enable ACH and electronic transfers, FDIC pass-through insurance-eligible accounts,* and faster access to payments funds,** all within your platform.

Building blocks for financial services

const account = await stripe.accounts.create({ country: 'US', capabilities: { treasury: {requested: true}, issuing: {requested: true} } }); const treasury_account = await stripe.treasury.accounts.create({ account: account.token, currency: 'usd' });
const financial_account = await stripe.financial_account.retrieve({ id: 'fa_123', stripe_account: '{{CONNECTED_STRIPE_ACCOUNT_ID}}', }); //Financial Account Balances const availableBalance = financial_account.balance.cash; const inboundPendingBalance = financial_account.balance.inbound_pending; const outboundPendingBalance = financial_account.balance.outbound_pending;
await stripe.accounts.update( account.token, { payouts: { schedule: {delay_days: 0, interval: 'hourly'} } } ); await my_custom_event_handler( 'received_credits', (received_credit) =﹥ { await stripe.withdrawal.create({ description: 'Transfer 30% of credits to Capital repayment account', type: 'balance_transfer', account: treasury_account.token, amount: received_credit.amount * 0.30, currency: 'usd', payment_method_data: { account: capital_loan_account.token, } }); });
await stripe.issuing.cards.create({ currency: 'usd', type: 'physical', source_balance: treasury_account.token });

Create accounts

Create an account object with a single API request. Onboard users, verify identity, and provision an account with one of our bank partners in minutes.
  • ID verification
  • KYC checks
  • Sanctions screening
  • MATCH list checks

Store funds

Help your businesses hold funds in one or more financial accounts.
  • Eligible for FDIC pass-through insurance*
  • Cash back
  • Account number
  • Routing number
  • Embedded component for financial accounts (coming soon)
  • Demand deposit accounts (coming soon)
  • Automated cash rewards (coming soon)
  • Accounting integrations (coming soon)

Move money

Give your businesses more ways to move money.
  • Domestic wires
  • ACH credits and debits, including same-day and international ACH
  • Mobile cheque acceptance
  • Online cheque sending
  • Faster payments fund availability
  • Cash acceptance
  • Real-time payments (coming soon)
  • Bill pay (coming soon)
  • Investment account sweeps (coming soon)
  • Embedded components for transactions, issuing, recipients, and cheque scanning (coming soon)

Attach spend cards

Issue custom spend cards to give businesses more ways to use their funds.
  • Branded physical and virtual cards
  • Provision virtual cards to digital wallets
  • Ship physical cards in two business days
  • Dynamic spend controls
  • Real-time authorisations
  • Access funds at ATMs

Built with trusted bank partners

Stripe Treasury for platforms is built in partnership with Fifth Third Bank to enable you to embed money management services in your platform. We’ve taken care of the up-front bank negotiations, compliance processes and regulatory requirements. By combining Stripe’s technology, a streamlined setup and the proven foundation of our bank partners, it’s frictionless to get started and effortless to scale.

Software platforms

Stripe Treasury

  • Frictionless user onboarding
  • FDIC pass-through insurance-eligible account*
  • Faster access to funds**
  • Pre-built workflows
  • Reliable compliance and risk management
  • Global money movement

Bank partners

Use cases

Deliver the right solution to your customers

With Stripe Treasury, platforms can create a simple stored-value account, a full-featured financial account, and anything in between. It’s straightforward to add capabilities, so you can experiment and iterate to build the best product for your customers. Launch quickly, increase engagement, and create new lines of revenue for your platform.

Financial account

Create an FDIC pass-through insurance-eligible account* that can allow your platform customers to earn cash back, supports remote cheque acceptance, and facilitates ACH and electronic transfers to pay contractors and vendors.

Open loop wallet

Create a simple stored-value account that can be topped up through payments or transfers, and used to make purchases within or outside of your platform.