Stripe payout delayed? 7 fixes for field service teams

Stripe payout delayed? 7 fixes for field service teams

TL;DR: 80% of payout delays come down to three things—verification tasks, weekend banking, or a misfired webhook. Run through this checklist before opening a Stripe ticket.

1. Check Stripe Connect status inside Toolfy

• Path: Settings → Payments
• Look for banners like Action required or Verification pending
• Click Refresh status to pull the latest account state from Stripe

Common banners:

• Identity verification pending → upload ID for the account owner
• Bank account verification failed → confirm micro-deposits or reconnect
• Dispute needs response → settle the evidence; payouts pause while open

2. Read the payout timeline in Stripe Express

• Click Open Stripe Dashboard from Toolfy to jump straight into Express
• Check the Payouts tab → open the delayed payout and read the reason
• Usual statuses: Pending (arrives Monday) or Delayed – additional information needed

If the payout is pending but no reason is shown, you’re likely waiting on the recipient bank—see step 4.

3. Clear verification tasks immediately

Stripe blocks payouts until KYC tasks finish. Inside Express (or Toolfy’s banner) check for:

• Identity docs (passport, driving licence)
• Proof of address for the business or owners
• Bank statement or void cheque for payouts

Upload directly in Express. Toolfy polls every few minutes—hit Refresh status once Stripe marks it complete.

4. Remember bank cut-off times

• UK banks don’t settle on weekends/bank holidays → Friday evening payments arrive Monday/Tuesday
• First payout on a new Stripe account takes 5–7 business days
• US cards paid to UK accounts can take +1 day because of FX

If the payout is simply Pending with an ETA in the future, note it in your cash tracker and move on.

5. Use instant payout (when eligible)

Need the cash now?

1. Open Stripe Express from Toolfy
2. Hit Instant payout
3. Funds land in under 30 minutes (0.5% fee, min £0.50)

Tip: Keep at least one debit card linked in Express so instant payouts are always available when banks drag their heels.

6. Re-sync Toolfy if Stripe already paid

Sometimes Stripe marks a payout as paid but Toolfy hasn’t caught up (webhook missed, browser cached).

• Go to Settings → Payments
• Click Refresh status
• Toolfy replays the latest webhooks so Customers → Invoices → Payments all reflect the new status

If the payout still doesn’t show, contact support with the Stripe payout ID—our team can replay events manually.

7. When to contact Stripe support

Reach out if:

• Payout has been Pending +3 business days with no reason
• Stripe says Paid but your bank hasn’t received funds after 24h
• You cleared verification tasks and the banner won’t disappear

How to speed up support:

• Provide payout ID (payout_…)
• Provide bank account reference (last 4 digits)
• Attach screenshots from Express

Bonus: Toolfy reminders to avoid future delays

• Set up a finance Slack channel for Toolfy payout alerts so the team sees status changes in real time
• Enable automatic reminders + same-day collection—less outstanding cash means fewer payout surprises
• Use the Payment Escalation Playbook (new help article) when cards bounce so cash lands before the weekend

Need help? Email support@toolfy.io with the payout ID and our team will review Stripe + Toolfy logs for you.