Understand that cross-border payouts allow connected accounts in supported countries to receive payouts in their local currency from a platform operating in a different country — review Stripe's cross-border payouts availability list
When creating a connected account for a cross-border recipient, provide the appropriate country and ensure the requested capabilities are supported for that country pair
Attach an external account (bank account) in the connected account's local currency; Stripe performs FX conversion from the platform's settlement currency to the recipient's payout currency at the time of payout
Review additional KYC/KYB requirements for cross-border recipients — Stripe may require additional identity verification documents not required for domestic accounts; handle requirements.currently_due accordingly
Monitor FX conversion rates via the exchange_rate field on Payout objects and account for rate variability in your financial reporting and fee calculations
Test cross-border payout flows in Stripe test mode using test bank account numbers for supported recipient countries documented in the Connect testing guide
Known gotchas
Not all platform-to-recipient country pairs support cross-border payouts — consult Stripe's current cross-border payout availability matrix before designing a global marketplace payout strategy around this feature
FX rates are applied at payout time, not at charge time — the amount the connected account receives in local currency may differ from what was quoted at sale time if there is a delay between charge settlement and payout
Cross-border payouts may trigger additional regulatory reporting or restrictions depending on the countries involved — consult legal counsel and review Stripe's compliance documentation for the specific country pairs in your use case
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