Instant Payouts: How They Work

Stripe Instant Payouts let you receive funds in your bank account within 30 minutes of a customer payment, instead of waiting 2 business days.

Eligibility

Instant Payouts are available to Stripe accounts in good standing that have been active for at least 30 days. Not all accounts qualify immediately — Stripe determines eligibility automatically.

To check if you are eligible: log in to dashboard.stripe.com → Payouts → Instant payouts.

How to Request an Instant Payout

1. Log in to your Stripe dashboard
2. Go to Payouts
3. Tap Instant payout
4. Select the amount (up to your available balance)
5. Select a debit card (instant payouts go to debit cards, not bank accounts)
6. Confirm

Cost

Stripe charges 1.5% of the payout amount (minimum $0.50) for instant payouts.

Example: $500 instant payout → $7.50 fee → you receive $492.50 within 30 minutes.

Adding a Debit Card for Instant Payouts

Standard bank account payouts take 2 days. Instant payouts require a supported Visa or Mastercard debit card. Add your debit card in Stripe dashboard → Settings → Bank accounts and scheduling → Add debit card.

When Instant Payouts Make Sense

• You need cash immediately for materials before starting a job
• A large payment just came in and you want it today
• You are approaching payroll and need funds faster

For most routine payments, the standard 2-day payout is free and sufficient.