Stripe

Configure Stripe as a payout processor on Juspay Hyperswitch to distribute funds via cards and SEPA bank transfers using Stripe Connect.

Stripe connects to Hyperswitch as a PayoutProcessor via Stripe Connect. It supports card payouts and SEPA bank transfers globally. Stripe is also a payment gateway on Hyperswitch — the same connector handles both inbound payments and outbound payouts.

Authentication

Stripe uses HeaderKey authentication — a single API key sent as a Bearer token on every request.

Credential	Description
API Key	Stripe secret key (starts with sk_live_ for production, sk_test_ for test mode). Found in the Stripe Dashboard under Developers → API keys.

Supported Payout Methods

Method	Rails / Networks	Notes
Cards	Major card networks	Card payouts to debit cards via Stripe Connect
Bank transfers	SEPA	Bank account payouts within the SEPA zone

Payout Flows

Stripe implements the following Hyperswitch payout flows:

Flow	Description
PoCreate	Creates the payout recipient in Stripe Connect
PoFulfill	Initiates the payout transfer
PoCancel	Cancels a pending payout
PoRecipient	Creates or updates the connected account recipient
PoRecipientAccount	Sets up or links a bank account to the connected account

Common Failure Modes

Insufficient funds Symptom: Stripe returns insufficient_funds error. Fix: Ensure the Stripe Connect platform account has sufficient available balance before initiating payouts.

Connected account not ready Symptom: Payout fails with account_invalid or account_incomplete. Fix: Verify the connected account has completed Stripe's identity verification and onboarding requirements. Stripe requires KYC completion before payouts can be disbursed.

SEPA payout rejected Symptom: Bank transfer fails with an IBAN validation error. Fix: Confirm the IBAN is valid and belongs to a SEPA-zone bank account. Stripe validates IBAN format before initiating the transfer.

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Activating Stripe Payouts via Hyperswitch

Prerequisites

1. A Stripe account with Connect enabled. Set up Stripe Connect in the Stripe Dashboard.

2. A registered Hyperswitch account, accessible from the Hyperswitch control center.

3. Stripe secret key from the Stripe Dashboard under Developers → API keys.

Steps to activate a connector on the Hyperswitch control center

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Connector implementation: crates/hyperswitch_connectors/src/connectors/stripe.rs.