How does Stripe ensure transfer availability?

Stripe ensures transfer availability primarily through the integration of transfers with existing customer transactions, using the source_transaction parameter. By linking a transfer to a specific charge, Stripe can track and validate the funds effectively, ensuring that the transfer is based on legitimate payment activity. This not only optimizes the reconciliation process but also enhances security by ensuring that the funds being transferred are directly related to completed transactions.

This approach allows for automated processing of transfers, significantly reducing the need for manual intervention and feedback loops, thus streamlining the process for users. In contrast, prioritizing transfers based on customer feedback, restricting transfers to business hours, or imposing manual approval would create unnecessary delays and complexity, hindering the efficiency and accessibility that Stripe aims to provide in its financial transactions.