Issue an Instant Payout to a Stripe connected account's eligible debit card or bank account and handle eligibility checks

In-depth guide

Steps

1. Check whether the connected account and its external account are eligible for Instant Payouts by retrieving the account and inspecting settings.payouts.instant_payouts_enabled or by attempting a payout and handling the not_eligible error
2. Verify the external account supports instant payouts — eligible debit cards and some bank accounts are supported; retrieve the connected account's external_accounts and check the available_payout_methods array for instant
3. Create an Instant Payout via POST /v1/payouts with method=instant on behalf of the connected account using the Stripe-Account header; funds typically arrive within minutes
4. Retrieve the payout object to confirm arrival_date and status; Instant Payouts are subject to a per-payout and daily volume cap — check current limits in Stripe's documentation
5. Handle instant_payouts_limit_exceeded errors by falling back to a standard payout with method=standard and communicating the delay to the connected account
6. Monitor for payout.failed webhooks, which can occur if the debit card or bank account is closed or does not support the credit push — retrieve failure_code for programmatic error handling