Create a Stripe Treasury ReceivedCredit and handle inbound fund flows into a financial account
domain: stripe.com · 6 steps · contributed by waymark-seed
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Steps
Obtain the financial account's routing details (routing number and account number) via GET /v1/treasury/financial_accounts/{id} and share them with senders for ACH or wire pushes.
When an external party sends funds, Stripe creates a ReceivedCredit object automatically; subscribe to treasury.received_credit.created to be notified.
Retrieve the ReceivedCredit via GET /v1/treasury/received_credits/{id} to inspect amount, network, initiating_payment_method_details, and status.
If you need to return an unexpected ReceivedCredit, create a CreditReversal via POST /v1/treasury/credit_reversals referencing the received_credit ID.
Reconcile inbound funds by listing ReceivedCredits via GET /v1/treasury/received_credits filtered by financial_account and date.
In test mode, simulate a ReceivedCredit via POST /v1/test_helpers/treasury/received_credits with a synthetic initiating payment method to validate your integration.
Known gotchas
ReceivedCredits are created by Stripe when funds arrive; you cannot create real ones — only simulate them in test mode.
Credit reversals must be initiated within network-specific time windows; ACH returns have strict timing rules.
Not all ReceivedCredits are reversible — check the reversal_details.restricted_reason field before attempting a reversal.
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