Quick facts
- Standard Stripe payouts land in your bank within 1–2 business days.
- Weekends and bank holidays pause banking, so Friday payouts often arrive Monday/Tuesday.
- New Stripe accounts or unusually large payments can take up to 7 days while checks finish.
- Instant payouts (where eligible) settle within 30 minutes for a small fee.
Stripe payout types
Standard payouts
Default for most accounts. Funds paid Monday–Thursday arrive by the end of the second business day.
Instant / Express payouts
Once eligible, trigger same-day (or <30 minute) deposits for ~0.5% fee.
Common reasons for delays
Weekend or bank holiday
Banks do not process payouts on non-working days.
What to do: Check the holiday calendar and set expectations for the next business day.
New Stripe account
Stripe may hold the first payout up to 7 days while finishing KYC checks.
What to do: Process a few smaller payments and complete verification tasks promptly.
Large or unusual payment
Transactions far above your normal volume can trigger a review.
What to do: Contact Stripe support if high-value invoices are standard for your business.
Verification pending
Stripe requested documents (ID, proof of address, bank statement).
What to do: Upload items in Stripe Dashboard → Tasks to resume payouts.
High-risk industry / chargebacks
Accounts with disputes or higher risk profiles may see longer reserve periods.
What to do: Maintain solid documentation (photos, signatures, before/after notes) to reassure Stripe.
Check payout status
- Toolfy → Settings → Payments → `View Stripe Dashboard`.
- In Stripe, open Payouts to see pending, paid, and expected arrival dates.
- Click a payout to view the underlying charges and destination bank account.
- Review any emails from Stripe—they’ll highlight required actions.
If the payout is still delayed
- Confirm the payout isn’t already scheduled for the next banking day.
- Upload outstanding verification documents immediately.
- Contact Stripe if a payout shows `Paid` but hasn’t reached your bank after two working days.
- Double-check bank details in Stripe → Settings → External accounts.
Keep payouts smooth
- Keep Stripe account details current whenever ownership or addresses change.
- Monitor payouts weekly so you spot delays early.
- Tell customers that card settlements typically hit your account within two working days.
- Use Instant Payouts when cash flow is critical and you meet Stripe’s eligibility criteria.
Related guides
Still waiting on funds?
Email support@toolfy.io or follow the contact support guide. Include the Stripe payout ID and we’ll review it with you.