Confirm the connected account has an eligible Visa or Mastercard debit card as an external account; check the external_account.available_payout_methods field for 'instant'.
Check the connected account's instant_payouts_enabled field and any applicable volume caps via GET /v1/accounts/{id}.
Create the payout via POST /v1/payouts with method: 'instant', amount, and currency, authenticated with the connected account's credentials or the Stripe-Account header.
Instant payouts typically arrive within 30 minutes; monitor payout.paid to confirm arrival.
Handle payout.failed by inspecting the failure_code field — common codes indicate insufficient balance or ineligible card.
Note the instant payout fee (a percentage of the payout amount) charged to the connected account's Stripe balance; reflect this in your platform's fee disclosures.
Known gotchas
Instant payout eligibility depends on card issuer, geography, and account standing — do not assume all debit cards qualify; always check available_payout_methods before offering the option.
There is a per-transaction and per-day volume limit for instant payouts; exceeding it causes a rejection — surface this limit in your UX.
Instant payout fees are taken from the connected account's Stripe balance, reducing the net amount available — account for this when computing the amount to send.
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