Ensure the connected account has an external bank account attached; create or retrieve it via the External Accounts API under the connected account using the Stripe-Account header
For standard payouts, create a Payout object via POST /v1/payouts with amount, currency, and optionally method='standard'; Stripe uses the connected account's default external account
For instant payouts, set method='instant' and specify destination as the eligible debit card or bank account ID on the connected account
Check connected account eligibility for instant payouts by retrieving the account and inspecting capabilities.instant_payouts or by calling the External Accounts list and checking each account's available_payout_methods
Instant payouts arrive within 30 minutes and carry a fee; confirm the fee structure and your platform's daily volume cap before enabling for users
Listen for payout.paid or payout.failed webhooks to track payout status
Known gotchas
Instant payouts require the connected account to be onboarded with full terms of service acceptance and are only available in supported countries and currencies
Platforms must have instant payout capability enabled at the platform level before connected accounts can use it; contact Stripe to request enablement
Bank account instant payouts settle faster than standard payouts but not all banks support them; debit cards are the most reliably 'instant' destination
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp