Advance Funding

instant payouts with advance fundingbeta let instant payouts access pending balances with trackable balance activities instant payout users benefit from quick access to their pending balances to use these funds safely, explicit actions like advance funding are necessary for accurate bookkeeping when fund availability changes how instant payouts with advance funding works stripe enables instant payouts users to access pending balances through the advance and advance funding type balance transactions when you create an instant payout that exceeds your available balance, funds are added to your available balance and subtracted from your pending balance to cover the difference granular advance funding to align advance funding with the original availability of payments, stripe creates multiple advance funding type balance transactions when it pulls funds from multiple days’ worth of payments balances for example, if you have the following 0 usd in your available balance today 25 usd available on tomorrow (t+1) 15 usd available on the day after (t+2) when you request a 40 usd instant payout, you’ll see two separate advance funding type balance transactions one that deducts 25 usd from your t+1 balance one that deducts 15 usd from your t+2 balance and one advance type balance transaction that credits 40 usd to your available balance reversal of failed or canceled instant payouts when an instant payout fails or gets canceled, the corresponding advance and advance funding type balance transactions are reversed by offsetting balance transactions in the example above, if the 40 usd instant payout fails, we credits 25 usd to your t+1 balance credits 15 usd to your t+2 balance deducts 40 usd from your available balance negative available balance recovery when your available balance is negative, advance funding does not restore it instead, it only provides funding for the requested instant payout amount, leaving your negative available balance unchanged we’ll choose the right bucket of pending balances to allow your negative available balance to phase out gradually this funding is drawn from future days where the cumulative balance is positive for example 25 usd in your available balance today (available balance) 20 usd available tomorrow (t+1) 30 usd available the day after (t+2) in this scenario, the cumulative balance on t+1 is 5 usd, while t+2 shows a cumulative balance of 25 usd if you request a 10 usd instant payout, we deduct 10 usd from your t+2 balance credit 10 usd to your available balances for the instant payouts this method retains more recent pending balances, aiding recovery from a negative balance the cumulative balance recovers on t+2 filter balance transactions by source use the source field to find the advance and advance funding type balance transactions for the instant payout you can access the source field in the dashboard when you filter transactions or through the balance transactions api go to the balances > all activity page click the export button and select a time range open the downloaded balance history csv file locate the source column in the export file the related advance and advance funding balance transactions will have a source field that matches the instant payout token