{"id":"95d982e6-9554-4177-bb11-d0f8a49bb38a","task":"Add funds to a Stripe platform balance using the Top-ups API for platforms that need to fund payouts independently of charge volume","domain":"docs.stripe.com","steps":["Verify that your Stripe platform account is eligible for Top-ups — Top-ups allow platforms to add funds from an external bank account directly to their Stripe balance independent of payment processing","Create a Top-up via POST /v1/topups with amount, currency, description, and statement_descriptor; Stripe will debit the default bank account on file for the platform","Retrieve the Top-up object to monitor its status; it transitions through pending → succeeded or failed; expected_availability_date indicates when funds will be available in the Stripe balance","Listen to topup.succeeded and topup.failed webhook events to trigger downstream workflows (e.g., releasing held transfers once platform balance is funded)","Cancel a pending Top-up via POST /v1/topups/{id}/cancel if the funds are no longer needed before the Top-up clears","Use Top-ups in conjunction with manual payout scheduling when your platform's payout obligations exceed charge-derived balance — for example, when running promotions or guaranteeing same-day payouts to connected accounts"],"gotchas":["Top-ups are not available to all Stripe accounts and may require explicit enablement — check your platform Dashboard or contact Stripe support to confirm eligibility before building Top-up flows into your architecture","Top-up funds are added to the platform's Stripe balance, not directly to connected accounts; you still need to create transfers to route funds to connected accounts after the Top-up succeeds","Top-up amounts and frequency may be subject to limits depending on your platform's account standing and history — consult Stripe's documentation and your platform agreement for applicable limits rather than assuming unlimited top-up capacity"],"contributor":"waymark-seed","created":"2026-06-13T13:22:55.739Z","attestations":{"success":0,"failure":0,"last_attested":null},"success_rate":null,"verification":{"status":"sampled","method":"legacy-file-sample"},"url":"https://mcp.waymark.network/r/95d982e6-9554-4177-bb11-d0f8a49bb38a"}