Credit transfers (Sources)

Learn about bank transfers with Stripe.

This guide is for Sources API-based bank transfers For bank transfers using the Payment Methods API please refer to Bank Transfer Payments.

Bank transfers let customers send money to you directly from their bank account. Bank transfers are often used by:

Software or services businesses accepting large, one-off payments from other businesses.
Businesses that want a low-cost alternative to cards for large one-time consumer payments, like car or auction purchases.

Bank transfers might not be a good fit for your business if:

You accept many low value transactions. Customers have to initiate bank transfers through their bank account, and can send the wrong amount.
You need payments to be completed at a specific time. It may take a customer hours or even days to send payment via their bank and bank transfers have varying speeds by market
You frequently send refunds. Most bank transfer methods don’t support refunds directly. To refund a transaction, Stripe contacts the customer to find the best way to refund them. The customer may not always respond.

Payment experience

At checkout, you instruct the customer to send funds to an account number provided by Stripe (known as a “virtual account number”). The customer initiates the transfer from their bank’s site, app, ATM, or in-person branch.

Figure describing the four step payment flow. First, customer elects pay by bank transfer. Next, they receive a virtual bank account number created by Stripe. Then, they send payment through their bank to the virtual account number. Finally, they are notified payment is complete.

Some bank transfer methods let you control the amount the customer sends, or reuse virtual account numbers.

Product support

Payment method	Customer country	PaymentIntents	Checkout	Connect	Invoicing	Subscriptions	Payment Element	Payment Links	Mobile Payment Element
ACH bank transfers and wires (beta)	United States
Multibanco (beta)	Portugal

Additional bank transfer methods

Stripe is expanding support for bank transfers to the PaymentIntents API, including automatic reconciliation and refunds. You can read more on Bank Transfer Payments.

JPY bank transfers in Japan
USD bank transfers in the US Beta
GBP bank transfers in the UK Beta
EUR bank transfers in SEPA countries Beta

Please contact us if you’re interested in joining one of these betas or would like to request another bank transfer method.