International Transfers

The same-region restriction#

Stripe Connect transfers generally require the platform and connected accounts to be in the same country or region. This is a Stripe platform limitation, not a Split Pay limitation. However, Stripe does support cross-border transfers between certain regions — see the exception below.

Stripe's transfer regions#

Stripe groups countries into regions for the purpose of Connect transfers. Transfers are permitted within a region and also across certain supported corridors.

Cross-border corridor exception#

Stripe supports cross-border transfers on the payments balance between the following regions:

• United States
• Canada
• United Kingdom
• EEA (European Economic Area)
• Switzerland

This means a US platform can transfer to connected accounts in Canada, the UK, EEA countries, and Switzerland — and vice versa. Transfers between any two regions in this corridor are supported.

Cross-border transfers carry a 0.25% Stripe fee. Stripe charges 0.25% of each cross-border transfer to cover regulatory and processing costs. The fee is waived for transfers within the EEA and between the UK and the EEA — so a Greek platform paying a German or UK vendor pays no fee, while the same platform paying a US vendor pays 0.25%. This is a Stripe fee, not a Split Pay fee; see Stripe's cross-border payouts documentation for current pricing.

Stripe's official position#

From Stripe's documentation on Separate Charges and Transfers:

"Stripe supports cross-border transfers on the payments balance between the United States, Canada, United Kingdom, EEA, and Switzerland. In other scenarios, your platform and any connected account must be in the same region."

This means the charge type used by Split Pay (Separate Charges and Transfers) supports transfers within the same region and across the US/CA/UK/EEA/CH corridor. All other cross-border transfers will fail.

Workarounds for unsupported regions#

If your vendors are in regions outside the supported corridor (e.g., Australia, Japan, Brazil), the following workarounds are available:

Option 1: register your platform in the vendor's region#

If you primarily work with vendors in a specific region, consider registering your Stripe platform account in that region. For example, if most of your vendors are in Australia, register your Stripe account as an Australian entity.

Option 2: direct or destination charges (not currently supported)#

Stripe offers alternative charge types — Direct Charges and Destination Charges — that have different cross-border capabilities. Split Pay currently uses the Separate Charges and Transfers model. While this model does support cross-border transfers within the US/CA/UK/EEA/CH corridor, Direct or Destination Charges may offer additional flexibility for other regions.

Option 3: manual payouts outside Stripe#

For international vendors in unsupported regions, some businesses handle payouts manually using alternative methods such as:

• Bank wire transfers
• PayPal payouts
• International payment services (Wise, Payoneer, etc.)

In this case, you would use Split Pay's transfer tracking to calculate the amounts owed, then process the actual payout through your preferred international payment method.

Built-in country/region warning#

Split Pay automatically detects when your connected accounts are in a different country than your platform account and displays a warning on the Integrations tab (top-level Split Pay menu, 3.7.0+). On Split Pay versions before 3.7.0 the same warning appeared on the legacy Stripe Configuration tab.

The warning shows:

• Your platform account's country (e.g., "United States")
• Each connected account that doesn't match, along with its registered country
• A message indicating which accounts may be affected by region restrictions

This check runs every time you visit the Integrations tab, so you'll always know if a newly connected account has a country mismatch. Accounts within the supported cross-border corridor (US, CA, UK, EEA, CH) will still work, but accounts outside the corridor will fail.

How to check your account's region#

To verify your Stripe account region:

To check a connected account's region, go to Connect → Accounts and view the account's country. Or simply check the Split Pay → Integrations tab for the built-in warning described above.