This is something we experienced on The Wedding Favor. It was a trade-off we were aware of. On the other hand, it did trouble me that we were able to transfer money same-day to Chase bankholders with Balanced. It sounds great, but somewhere along the line that means that Balanced was "floating" our credit card charge and fronting the money to pay out to the end-recipient. While I appreciate this, and we benefit from very low chargeback rates (our users are friends and family), this seemed like a "too good to be true" risk.

In Stripe's case, you can make the business choice in your logic to pay out quicker to your end user, so long as you understand the risks (which you assume) and keep a comfortable account balance to cover it. Payouts to you, the Stripe account holder, is another matter!