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Payouts and bank account

Overview

Settings > Stripe Payouts shows how money moves from a customer's card to your bank account: what has been paid out, what is still processing, and when the next payout will arrive.


How Payouts Work

When a customer pays, the money doesn't teleport instantly to your bank. Here's the actual flow:

Customer Pays → Stripe Holds → Processing Period → Your Bank

Stage

What Happens

Timing

Customer Pays

Card charged, payment confirmed

Instant

Stripe Holds

Funds held securely by Stripe

Immediate

Processing Period

Standard banking processing

Rolling 2-day basis

Your Bank

Money deposited to your account

Based on schedule

Rolling Basis (Not Batched)

Critical to understand: Stripe processes payouts on a rolling basis, not in batches.

This means:

  • Each payment is tracked individually through the 2-day processing window

  • Payments don't wait for other payments to be grouped together

  • Money flows continuously as it becomes available

For example, if you receive payments on Monday, Tuesday, and Wednesday:

  • Monday's payments arrive Wednesday

  • Tuesday's payments arrive Thursday

  • Wednesday's payments arrive Friday


Where your money is

At any point, your funds are in one of three places. Each is a tile on Settings > Stripe Payouts:

Tile

What It Means

Available to Payout

Ready to be paid out

Still Processing

In your account's processing window

On its way to your bank

Sent by Stripe, shows as In Transit below

If a payment is not in your bank yet, check these three tiles first.


Payout Schedule

Your payout schedule determines when Stripe sends available funds to your bank.

Schedule Types

Schedule

How It Works

Best For

Daily

Payouts every business day

Most businesses (recommended)

Weekly

Payouts once per week on a set day

Simplified bookkeeping

Monthly

Payouts once per month on a set date

Specific accounting needs

Daily Cutoff Time

Payments must be captured before the daily cutoff time to be included in the next day's payout batch. The exact cutoff time varies by country (typically around 5pm local time).

Example (Australia, 5pm cutoff):

  • Payment at 4:30pm Monday → Included in Tuesday's processing → Arrives Wednesday

  • Payment at 5:30pm Monday → Included in Wednesday's processing → Arrives Thursday

The exact cutoff time for your account is displayed in your local timezone in Stripe Payouts.

Weekend & Holiday Delays

Banks don't process transfers on weekends or public holidays.

Scenario

What Happens

Payout falls on Saturday

Arrives Monday

Payout falls on Sunday

Arrives Monday

Payout falls on public holiday

Arrives next business day

Friday after cutoff

Included in Monday's batch → Arrives Wednesday

Stripe Payouts shows when the next payout will actually arrive, accounting for weekends and holidays.


Where Stripe pays you (bank account)

The Where Stripe pays you card shows the bank account Stripe sends your money to.

Information Displayed

Field

Description

Bank Name

Your bank (e.g., Commonwealth Bank, ANZ)

Account Number

Last 4 digits shown (••••1234)

BSB

Bank-State-Branch routing number

Currency

AUD for Australian accounts

Account Holder

Name and type (individual/company)

Status

Verification status (Verified, New, etc.)

Changing Your Bank Account

To change where your payouts go:

  1. Select Change in Stripe on the Where Stripe pays you card

  2. You'll be taken to your Stripe Dashboard payout settings

  3. Add a new bank account or update existing details

  4. Stripe may require verification for new accounts

⚠️ Note: Bank account changes must be made in the Stripe Dashboard, not in Petboost.

Verification Status

Status

What It Means

Verified

Bank account confirmed, payouts will succeed

New

Added, awaiting verification

Validation Failed

Bank details couldn't be verified, check and retry

Errored

Issue with account, contact Stripe support


Viewing Payout History

The Payout History section shows all your past and pending payouts.

Payout Statuses

Status

Badge Colour

Meaning

Pending

Blue

Scheduled but not yet initiated

In Transit

Amber

On the way to your bank

Paid

Green

Successfully deposited

Failed

Red

Payout failed (rare)

Cancelled

Grey

Payout was cancelled

Viewing transactions in a payout

If you need the sales, fee and bank figures for a deposit, expand that payout.

The top of the expanded payout shows:

  • Card sales - Gross card charges in the payout

  • Refunds - Shown only when the payout includes a refund

  • Stripe processing fees

  • Petboost booking fees

  • Net transferred - The amount that arrived in your bank (or is expected to)

Each transaction under that summary shows the pet, owner, service, Stripe fee, Petboost fee, and net. Open Appointment opens the booking in Petboost. View in Stripe opens the payment in your Stripe Dashboard.

The payout amount on the collapsed row is the net transferred. It will not match Reporting & Intelligence sales for the same calendar day, because payouts use a rolling 2-day schedule.


Stripe Dashboard Access

You can always access your full Stripe Dashboard for:

  • Complete transaction history

  • Detailed reporting and analytics

  • Bank account management

  • Payout schedule changes

  • Dispute management

  • Tax documents

Quick links in Stripe Payouts:

  • Change in Stripe on the Where Stripe pays you card → your bank account and payout schedule

  • View in Stripe on a transaction → that payment in your Stripe Dashboard


Current Balance

The balance section shows two key figures:

Available to Payout (Green)

Money that has completed the processing period and is ready to be sent to your bank in the next scheduled payout.

Still Processing (Blue)

Money that is within the processing period (typically 2 days). This will become available once processing completes.

Combined: Available + Processing = Your total funds held by Stripe


Common Questions

Why hasn't my payment arrived yet?

Check these in order:

  1. Is it past the cutoff? Payments after the daily cutoff go to the next day's batch

  2. Is it a weekend/holiday? Banks don't process on non-business days

  3. Is the payout showing "In Transit"? It's on its way, typically 1-2 business days

  4. Is your bank account verified? Check the status in Stripe Payouts

How do I get paid faster?

Stripe's processing time (typically 2 days) is standard for Australia and cannot be reduced. However:

  • Ensure payments are captured before the daily cutoff

  • Use the daily payout schedule rather than weekly or monthly

  • Keep your bank account verified and in good standing

Why is my payout smaller than expected?

Your payout is the net amount after Stripe processing fees, Petboost booking fees and any refunds.

Expand the payout to see the breakdown: Card sales, Refunds, Other adjustments, Stripe processing fees, Petboost booking fees and Net transferred, then each transaction inside it.

For the fee rates that apply to your plan, see Understanding your fees.

Can I request an instant payout?

Stripe offers Instant Payouts in some regions. Petboost does not support them. Standard payouts with the 2-day processing period are used.

What if a payout fails?

Payout failures are rare but can happen if:

  • Bank account details are incorrect

  • Account has been closed

  • Bank rejects the deposit

If a payout fails, funds return to your Stripe balance and Stripe will retry. Check your bank account details in Stripe Dashboard.

Where can I see Stripe's fees?

Fees are shown in two places:

  1. Per transaction - Expand a payout to see fees on each payment

  2. Stripe Dashboard - Full reporting and analytics


Related Settings


Getting Help

If you have questions about a specific payout or transaction:

  1. Check Stripe Payouts first. Most questions are answered by the data shown

  2. Click through to Stripe. Use the "View in Stripe" links for detailed info

  3. Contact Petboost support. We can help interpret what you're seeing

  4. Contact Stripe support. For banking or payout-specific issues (failed payouts, bank verification, payout timing)

📖 Stripe Documentation: Payout Schedules FAQ

📖 When to escalate: See When to Contact Stripe Support for issues that require Stripe's direct assistance, including payout failures, bank account verification, disputes, and account-level matters.

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