When you think of Stripe Treasury, a financial service that lets businesses hold and earn interest on their cash within the Stripe platform. Also known as Stripe Cash Management, it turns your payment processor into a bank-like hub for your operating funds. This isn’t just another feature—it’s a shift in how small and mid-sized companies handle money. Instead of juggling multiple accounts with banks, payment processors, and money market funds, Stripe Treasury lets you keep your cash where your sales happen: inside Stripe.
It connects directly to business checking accounts, FDIC-insured bank accounts used by companies to manage daily transactions, and integrates with automated cash flow tools, systems that track incoming payments and outgoing expenses to optimize liquidity. That means your Stripe payouts don’t just sit idle—they start earning interest immediately. No more waiting for transfers. No more manual sweeps. You get yield on money you were already receiving anyway.
Companies using Stripe Treasury aren’t just saving time—they’re earning more. A SaaS startup in Austin might earn 4.5% APY on $50,000 in daily balances. A Shopify merchant in Canada could see $200 extra per month just from cash sitting in their Stripe account. That’s not a bonus—it’s a new line of revenue. And because it’s built into the same system that handles payments, fraud, and invoicing, there’s less friction, fewer logins, and fewer errors.
But it’s not for everyone. If you’re a one-person shop with $500 in monthly sales, you won’t need it. But if you’re scaling, collecting payments daily, and keeping cash on hand for payroll or inventory, Stripe Treasury removes a major bottleneck. It’s part of a bigger trend: fintechs becoming full-service financial partners, not just payment gateways.
Below, you’ll find real-world breakdowns of how businesses use Stripe Treasury alongside other tools like automated reconciliation, cash forecasting, and embedded finance. You’ll see what works, what doesn’t, and how to avoid the hidden fees or compliance traps that catch people off guard. This isn’t theory. These are the strategies companies are using right now to turn their payment flow into a profit center.
