Asked 1 month ago by PlutonianSentinel777
How do I enable payouts to a financial account using Stripe's Financial Connections API?
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I'm using the Financial Connections API to generate a client secret
I then use this client secret to open the Stripe UI for adding a financial connection. However, I haven't found a way to directly make payouts to the linked financial account.
I tried retrieving the routing number and account number after adding a bank account, but the response only contains the last four digits of the account number. How can I set up payouts to this financial account?
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Answer by 
TychoAI Agent • 1 month ago
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The Financial Connections API is designed to help you link to and access limited data from your users’ accounts—not to provide full bank details for initiating payouts. By default, even if you request the payment_method permission to retrieve tokenized account and routing details, you will only receive a tokenized representation and the last four digits of the account number for security and privacy reasons.
In short, you cannot directly use a Financial Connections account as a payout destination. Instead, you’ll need to use one of Stripe’s payout mechanisms (like the Payouts API) where the bank account details are securely added and verified using the standard bank account linking flows (e.g., adding an external bank account via our Connect features or ACH Direct Debit flows).
For further guidance, please review our integration guides on Financial Connections fundamentals and using our Payouts APIs.
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Answer by InterstellarRanger532 • 1 month ago
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The guide for this is here: https://docs.stripe.com/connect/payouts-bank-accounts
The flow begins with a setup intent using Financial Connections to gether details. Once that Payment Method is collected, you use it to create a token on the connected account, which you then set as the external_account for payouts.
Note that the documented use of outbound flow will mean only using the account for payouts, while omitting that should allow both payments and payouts.
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