International Transfers
Stripe decides which Connect transfers can cross borders. Split Pay cannot expand or bypass Stripe's supported corridors.
Self-serve availability#
Stripe supports cross-border transfers on the payments balance among these five platform regions:
- United States
- Canada
- United Kingdom
- EEA (European Economic Area)
- Switzerland
A platform based in any one of those regions and a connected account in any of the same five regions can be eligible for self-serve cross-border transfers when Stripe's other requirements are met. Stripe does not provide self-serve cross-border payouts to countries outside that list. For other separate-charges-and-transfers scenarios, Stripe requires the platform and connected account to be in the same region, so a same-country route outside the five listed regions can still be supported.
Outside the self-serve list: no Split Pay setting can enable an unsupported cross-border route. Stripe says to contact its sales team to discuss alternatives.
Requirements and fees#
| Stripe requirement | What it means for Split Pay |
|---|---|
| Full service agreement | The connected account must use Stripe's Full service agreement. Stripe does not support this cross-border Connect flow with the Recipient Service Agreement. |
| Transfers capability | The connected account must have Stripe's transfers capability active and satisfy Stripe's verification requirements. |
| Supported funds flow | Stripe supports separate charges and transfers without on_behalf_of. That is the funds flow Split Pay uses. |
| 0.25% Stripe fee | Stripe currently charges 0.25% for each cross-border payout. The fee is waived between the UK and EEA and for payouts within the EEA. This is a Stripe fee, not a Split Pay fee. |
Check Stripe's Cross-border payouts page for current eligibility and pricing, and its Separate charges and transfers page for transfer restrictions.
What Split Pay does#
Split Pay creates the configured transfer from the platform's Stripe payment balance to the connected account. It does not keep a country-corridor allowlist, change Stripe's service-agreement rules, or bypass Stripe's eligibility checks. Stripe accepts or rejects the transfer.
Before relying on a route, confirm the platform and connected-account countries, the connected account's service agreement and transfers capability, and the funds flow in Stripe. Country alone does not prove eligibility.
Direct charges, destination charges, and the Split Pay Transfers log are not workarounds for an unsupported Split Pay route. Confirm an approved funds flow with Stripe before accepting payments that require cross-border routing.