Insufficient balance in bank account with stripe refund behavior

Question

I have a question regarding stripe refund behavior. Let's assume that a user requested a refund of amount 300$.

current Stripe balance = 100$ current Bank balance = 100$

I know our refund request will go into the pending state as we have an insufficient balance but Will stripe deduct these 200$ for now and 100$ for later? OR stripe doesn't deduct these 200$ and will deduct 300$ as a whole when our account gets sufficient balance.

Answer 1

Based on this support FAQ, your Stripe balance would be debited and go negative, but the refund would be pending until you topped up your account or collected more payments to restore your balance to positive.

You should contact Stripe support for more questions about this: https://support.stripe.com/contact