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Stripe Treasury for Platforms | Financial Services APIs

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Treasury Not available in your country

Embed financial services in yourplatform

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.
Contact sales  Explore the docs 
rocket-rides.svg [rocket-rides.svg]
Rocket Rides
Fifth Third 1234
Balance
NZ$3,000.00
Routing number
110000000
Account number
000123456789
favicon.png [favicon.png]
Stripe Payments
rocket-rides.svg [rocket-rides.svg]
Rocket Rides
Transfer funds
Hourly
Available to transfer
NZ$3,345.90
rocket-rides.svg [rocket-rides.svg]
Rocket Rides
Fifth Third 1234
wells.svg [wells.svg]
Cactus Practice
Wells Fargo 1234
Type
Payment
ACH ID
12345678
Method
ACH
Amount
NZ$1,000.00

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. Weve 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.
Explore country availability 

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 Store funds Move money Attach spend cards

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. Weve taken care of the up-front bank negotiations, compliance processes and regulatory requirements. By combining Stripes technology, a streamlined setup and the proven foundation of our bank partners, its 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. Its 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.
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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.
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Payout card

Pay on-demand workers via a stored-value account to offer immediate access to their earnings. Create a payment card thats linked to the account with Stripe Issuing.
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Product operations account

Issue cards for on-demand workers to complete in-person purchases and fulfil orders. Set up a balance to fund each card and add spend limits to better manage operations.
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Have something else in mind?

Get in touch and well help you explore how you can build a custom financial product thats right for your customers.

Case study

Shopify uses Stripe Treasury for platforms to power Shopify Balance

Shopify is a leading global commerce company, providing trusted tools to start, grow, market, and manage a retail business of any size. With Shopify Balance, merchants get a one-stop-shop to manage their funds, pay bills, and track expenses. This gives them easier access to financial products and greater control over their finances.

Challenge

Dealing with banking and financial services is an essential part of running a business, yet most of todays banking services arent designed for the needs of independent business owners.

Solution

Shopify Balance offers Shopify merchants a fast, simple and integrated way to manage their funds. Built on Stripe Treasury for platforms, Shopify Balance enables merchants to obtain key financial products and oversee their finances all within Shopify.

Products

Stripe Treasury for platforms gives us the flexibility to customise Shopify Balance specifically for our merchants. By building across Stripes payments and embedded finance infrastructure, weve been able to give Shopify merchants access to critical financial products that meet their needs, like faster access to funds and rewards, helping them further grow their businesses.

Tui Allen, Senior Product Lead for Banking at Shopify
Shopify logo

Fully integrated

Create a better Stripe experience for your customers

Once youve integrated with Stripe Connect, you can quickly onboard users onto your new product and rely on Stripes global infrastructure to facilitate faster money movement between accounts.

Seamless onboarding and verification

Stripe Treasury for platforms relies on the same proven workflows as Connect to quickly get users up and running. Stripe handles identity verification to meet KYC and compliance requirements, all while optimising conversion.
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Faster access to revenue

Stripe Treasury integrates with Stripe Payments to give you greater control over the speed of funds on your platform. With Stripe, you can facilitate faster money movement to let your customers more quickly access their funds.
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Smarter financing for your customers

Stripe Capital provides platforms with an end-to-end business financing API that enables you to provide access to financing to help your customers grow their businesses. When paired with Stripe Treasury for platforms, youll get a more complete picture of your customers financial profile, making it easier for your customers to obtain the right size funding, at the right time.
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Ready to get started?

Treasury for platforms is live in multiple countries, with more on the way. Get in touch to learn about availability for your platform.
Contact sales  See the docs 

Create and manage cards

Issue, distribute, and manage physical and virtual spending cards for your users.
Explore Issuing 

Extend capital

Help your customers access the funds they need to accelerate growth with fast and flexible financing.
Explore Capital 

*USD held in financial accounts (other than indicated accounts) are eligible for FDIC pass-through deposit insurance if they meet certain requirements. Funds held in the accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category. The FDIC's deposit insurance coverage only protects against the failure of an FDIC-insured depository institution and Stripe is not an FDIC-insured depository institution. Funds eligible for FDIC pass-through deposit insurance are held at Fifth Third Bank, N.A., Member FDIC.

**Faster Funds eligibility is subject to approval by Stripe.

Stripe Treasury for platforms is provided in the US by Stripe Payments Company, licensed money transmitter, with funds held at Stripe's bank partners, Members FDIC. Card and other credit products are provided by Celtic Bank and serviced by Stripe, LLC and its affiliate Stripe Servicing, Inc.

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