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Connect Stripe Express debit auth for faster payouts
5 min read
Debit auth lets us claw back funds from your Stripe Connect balance if a chargeback lands after payout. That guarantee is what unlocks sub-30-day holds — without it, your hold is floored at 30 days regardless of trust tier. With it, your hold drops to your tier minimum: 21 days (Silver), 14 days (Gold), or 10 days (Platinum).
What "debit auth" actually means
When you authorize debit on your Stripe Connect Express account, you grant PPToGo permission to debit your Connect balance (not your bank account directly) to recover verified chargebacks within 120 days of the original transaction.
Without debit auth, your hold is floored at 30 days regardless of tier — long enough for most chargebacks to surface and be deducted from your held balance. With debit auth, we can recover late chargebacks even after payout, so the hold shortens to your trust-tier minimum.
How to enable it
1. Go to /dashboard → Payouts → Stripe Connect.
2. Click 'Enable faster payouts'. Stripe opens a one-page form.
3. Enter a debit card. Credit cards and prepaid cards won't work — Stripe needs a real debit card so the reversal route is guaranteed.
4. Submit. Stripe processes a $0 authorisation to verify the card. Once verified, your account flips to faster-payout mode.
Important constraints
Debit auth is only available in countries where Stripe's debit network supports it (US, UK, EU, Canada, Australia today).
If your debit card is later declined, your account auto-downgrades back to 14-day hold. We'll email you when this happens so you can update.
Debit auth is independent of your main payout destination. You can keep payouts going to a bank account; the debit card is only used for reversals.
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