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I am creating an application in which users can add their bank accounts in the application and from admin side I want to send the payouts to their bank accounts. I am using Node.js and Stripe.js (In Test Mode). Please anyone help me to fix this issue.

router.get("/testing-stripe", async (_, res) => {
  try {
    // Create a Stripe express account
    const account = await stripe.accounts.create({
      type: "express",
      country: "US",
      email: "[email protected]",
      business_type: "individual",
      individual: {
        first_name: "Hammad",
        last_name: "Umar",
      },
      capabilities: {
        card_payments: { requested: true },
        transfers: { requested: true },
      },
    });

    // Create a bank account token
    const token = await stripe.tokens.create({
      bank_account: {
        country: "US",
        currency: "usd",
        account_holder_name: "Hammad Umar",
        account_holder_type: "individual",
        routing_number: "110000000",
        account_number: "000123456789",
      },
    });

    // Attach the bank account token to the Custom account
    const bankAccount = await stripe.accounts.createExternalAccount(
      account.id,
      {
        external_account: token.id,
      }
    );

    // Generate onborading link
    const accountLink = await stripe.accountLinks.create({
      account: account.id,
      refresh_url: "http://localhost:5002/redirect",
      return_url: "http://localhost:5002/redirect",
      type: "account_onboarding",
    });

    const payout = await stripe.payouts.create(
      {
        amount: 5 * 100,
        currency: "usd",
        destination: bankAccount.id,
        source_type: "bank_account",
      },
      {
        stripeAccount: account.id,
      }
    );

    return res.json({
      url: accountLink.url,
      bankAccountId: bankAccount.id,
      stripeAccountId: account.id,
      payout,
    });
  } catch (error) {
    console.error("Error creating bank token:", error);
    return res.status(500).json({ message: error.message });
  }
});

The only issue with this snippet

 const payout = await stripe.payouts.create(
      {
        amount: 5 * 100,
        currency: "usd",
        destination: bankAccount.id,
        source_type: "bank_account",
      },
      {
        stripeAccount: account.id,
      }
    );

When I hit this API endpoint I got this error.

{
"message": "You have insufficient funds in your Stripe account for this transfer. Your ACH balance is too low.  You can use the /v1/balance endpoint to view your Stripe balance (for more details, see stripe.com/docs/api#balance)."
}

I also tried top-up / create charge API for trying add funds in my balance but in vein.