Stripe Treasury

Learn how to provide financial services to connected accounts.

Stripe Treasury is a Banking as a Service (BaaS) API for Stripe Connect platforms that allows you to embed financial services in your product. Stripe provides the infrastructure in partnership with trusted banks.

Use Treasury to enable your connected accounts to hold funds, pay bills, earn cash back, and manage their cash flow. Many platforms using Connect also use Stripe Issuing to issue cards for accessing Treasury accounts. To learn more about Treasury, see its features.

Get access to Treasury

Treasury is available for testing in sandbox environments for businesses serving US-based commercial businesses.

All other businesses need to complete the Treasury form and must be reviewed by Stripe to verify if we can support them.

Explore Treasury Demo

Get started

How Treasury works

Learn about connected accounts, financial accounts, and moving money with Treasury.

Get started with API access

Use Stripe Treasury and Issuing in a sandbox environment to see what functionality you want to enable in your live integration.

Eligibility requirements

Understand the requirements for using Stripe Treasury.

Onboard users with Treasury

Learn best practices to onboard your connected accounts when offering financial services with Treasury.

Manage fraud

Learn best practices for managing fraud as a Treasury platform.

Marketing and compliance guidelines

Learn how to keep your Treasury or Issuing program and marketing campaigns compliant.

Sample integrations

Set up financial accounts

Use a sample Treasury and Issuing integration to set up a financial account and create cards.

Use Treasury to move money

Learn how an example business uses SetupIntents and PaymentMethods, and verifies bank accounts with Treasury.

Issuing and Treasury sample app

Use the Stripe Next.js sample app to start your own Issuing and Treasury integration.

Integrate Treasury with Stripe Issuing

Webhooks for Issuing and Treasury

Learn about webhook events for Stripe Issuing and Stripe Treasury and why they occur.

Integrate Stripe Issuing with Treasury

Use Stripe Issuing to create physical and virtual cards using a financial account as the source of funds.

Issuing and Treasury sample app

Use the Stripe Next.js sample app to start your own Issuing and Treasury integration.

Manage your accounts

Treasury accounts structure

Learn how the Treasury account components fit together and interact.

Connected accounts

Collect Treasury onboarding requirements for your connected accounts.

Financial accounts

Use financial accounts to store, send, and receive funds.

Financial accounts features

Learn about the features available for financial accounts.

Balances and transactions

Learn about Treasury account balances and the effect transactions have on them.

Move money

Payouts and top-ups

Move money between Payments account balances and Treasury financial account balances.

Work with SetupIntents, PaymentMethods, and BankAccounts

Learn how to set up money movements in Treasury.

Move money into financial accounts

Learn the requests available to move money into financial accounts.

Move money out of financial accounts

Learn the requests available to move money out of financial accounts.

Features

Financial accounts Offer accounts eligible for FDIC insurance to your customers within your platform.
Funds transfers Send and receive funds using traditional bank transfer methods like ACH credits and debits.
Fraud prevention Use tools to detect and prevent fraudulent activity like delaying transaction processing on risky money movement.
Faster payouts into financial accounts Enable faster access to funds for customers who sell using Stripe Payments at no additional cost.