Stripe Money Management

Manage payouts, refunds, disputes, fraud prevention, and balance operations.

Rule Priority Table

Capability Decision Tree

What money management task?
|
+-- Sending funds to bank accounts?
|   -> references/payouts.md
|
+-- Returning money to customers?
|   -> references/refunds.md
|
+-- Responding to chargebacks?
|   -> references/disputes.md
|
+-- Preventing fraud?
|   -> references/radar.md
|
+-- Understanding your balance?
|   -> references/balance.md
|
+-- Multi-currency operations?
|   -> references/multi-currency.md

Quick Reference

Payouts

// Check available balance, then create manual payout
const balance = await stripe.balance.retrieve();
const available = balance.available.find((b) => b.currency === 'usd')?.amount ?? 0;

const payout = await stripe.payouts.create({
  amount: 250000, // $2,500
  currency: 'usd',
  method: 'standard', // or 'instant'
  description: 'Weekly payout',
});

Refunds

// Full refund with reason
const refund = await stripe.refunds.create({
  payment_intent: 'pi_xxx',
  reason: 'requested_by_customer',
});

// Partial refund
const partialRefund = await stripe.refunds.create({
  payment_intent: 'pi_xxx',
  amount: 500, // $5.00
  reason: 'requested_by_customer',
});

Dispute Response

// Submit evidence (use draft mode first, then submit)
await stripe.disputes.update('dp_xxx', {
  evidence: {
    customer_name: 'Jenny Rosen',
    customer_email_address: 'jenny@example.com',
    customer_purchase_ip: '192.168.1.1',
    product_description: 'Pro subscription plan',
    receipt: 'file_xxx',
    shipping_tracking_number: '1Z999AA1012345678',
  },
  submit: true,
});

Radar Rules

# Require 3DS for elevated risk
Request 3D Secure if :risk_level: = 'elevated'

# Block high-risk prepaid cards
Block if :card_funding: = 'prepaid' and :amount_in_usd: > 50000

# Block suspicious countries
Block if :card_country: in ('XX', 'YY')

Zero-Decimal Currencies

// JPY: amount IS the actual charge (no cents)
await stripe.paymentIntents.create({ amount: 3000, currency: 'jpy' }); // 3,000 JPY
// USD: amount is in cents
await stripe.paymentIntents.create({ amount: 1999, currency: 'usd' }); // $19.99

Dispute Lifecycle

needs_response (7-21 days) -> under_review (60-75 days) -> won / lost
                            -> warning_closed (inquiry resolved)

Critical Webhooks

References

• references/payouts.md - Standard, instant, manual payouts, schedules, connected account payouts, failures, reversals
• references/refunds.md - Full, partial, by payment method, refund failures, cancellation, balance requirements
• references/disputes.md - Dispute lifecycle, evidence fields by reason, Visa CE 3.0, early fraud warnings, prevention
• references/radar.md - ML fraud scoring, rules engine, velocity checks, Radar Sessions, manual reviews
• references/balance.md - Available vs pending, balance transactions, fee details, reconciliation, negative balances
• references/multi-currency.md - Presentment vs settlement currency, zero-decimal, exchange rates, minimum amounts