Create a Treasury FinancialAccount for a connected account via POST /v1/treasury/financial_accounts with the Stripe-Account header; specify supported_currencies and the desired features (e.g., financial_addresses.aba for ACH routing numbers)
Wait for the financial_account.features_status_updated webhook or poll the FinancialAccount until the requested features show status=active in the features object
Retrieve the FinancialAccount's financial_addresses to get the ABA routing and account numbers for receiving inbound ACH or wire transfers
Fund the FinancialAccount via an InboundTransfer (from a linked external account) or by routing Stripe charges to it; verify the balance via GET /v1/treasury/financial_accounts/{id}
Initiate an OutboundTransfer via POST /v1/treasury/outbound_transfers with amount, currency, destination_payment_method (a linked external bank account or payment method), and statement_descriptor; the transfer moves funds from the FinancialAccount to the external bank
Monitor OutboundTransfer status transitions (processing → posted or failed) via treasury.outbound_transfer.* webhooks; retrieve the object to inspect expected_arrival_date and failure details if the transfer fails
Known gotchas
Treasury FinancialAccounts are only available to eligible Stripe Connect platforms and their connected accounts — Treasury is not available to all platforms; apply for access and verify eligibility before building Treasury flows into your product
OutboundTransfers for ACH have standard settlement timing (typically next business day for standard ACH); same-day ACH may be available but confirm current availability and cutoff times in Stripe's Treasury documentation
FinancialAccount features must be individually enabled and may require additional compliance review — if a feature like card_issuing is requested, additional terms acceptance may be required from the connected account before the feature becomes active
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