Getting paid

The funds for all transactions that Adyen processes for you are sent to your payout account.

Payouts are sent separately to each of your merchant accounts. This means you have the option to change how you get paid for each of your merchant accounts.

Requirements

Before you begin, take into account the following requirements, limitations, and preparations.

How payouts work

From capture to payout, your funds go through the following steps:

1. Capture: A payment is captured, and the card scheme or payment method sends the funds to Adyen.
2. Adyen processing: The funds are assigned to a payable batch based on your payout model. The payable batch closes according to your payout frequency. If the payable balance is positive when the payable batch closes, Adyen instructs the payout to you.
3. Bank processing: Your bank processes and clears the funds.

The payable balance has the most up-to-date information about the current payable batch.

The funds you get are calculated on a net basis. This means you get your sales from a given period, minus any costs over this period, for example refunds, chargebacks, or transaction costs.

Payout currencies

Adyen supports payouts in different currencies and offers like-for-like (no currency conversion) settlement if the currency is also supported as a settlement currency by the payment method. The currency in which we can settle your payout account depends on the country of the acquiring connection used to route transactions.

See the list of currencies supported in different countries/regions for more information about configuring the currency of your payout account.

Payout models

Which transactions are assigned to a payable batch depends on your payout model:

• Sales day payout: Get the funds from a whole sales day in a single payout batch, regardless of whether the card scheme or payment method transferred the funds to Adyen. The sales day closing time is set in the Customer Area, but in some cases you can dynamically set a different closing time every day. Sales day payout is the default payout model and the payout model we recommend.

• Pass-through payout: Get the funds from one sales day in several payout batches, depending on when the card scheme or payment method transfers the funds to Adyen. Pass-through payout is the only available payout model in Africa, Brazil, and India.

Payout frequency

How often Adyen pays out to you is determined by the payout frequency. You can configure the payout frequency for each of your merchant accounts.

After the payable batch closes, it can take one to two business days for the payout to be initiated. Depending on the currencies and banks involved, your bank may need up to three more business days to post the funds. If you still have not received the funds five business days after the payable batch closed, find out why your payout has not arrived.

Bank holidays

On bank holidays, clearing for a specific currency may be closed and therefore Adyen cannot process payouts. Adyen also cannot receive funds.

This impacts when you receive your payout. The exact impact depends on the payout model used. More details on the exact impact per payout model can be found on Sales day payout and Pass-through payout.

If you want to receive notifications on a weekly basis about your currencies' upcoming bank holidays, enable the Balances notices Customer Area notification.

For a list of bank holidays, download:

• Adyen observed bank holidays 2026

Payout batches and reporting

With both payout models, Adyen pays you on a net basis. This means your payable batch is made up from your sales figure from which we deduct:

• Transaction costs
• Refunds
• Chargebacks
• Other adjustments, for example balance transfers.

When the payable batch closes, we create a Settlement details report. This report contains information on the transactions that were credited or debited to your account, including the costs associated with these transactions.

To get your settlement details report we recommend you automatically generate and download reports.

Check your payout

You can view your payout details in your Customer Area.

To check your payout:

1. Log in to your Customer Area, and select the merchant account you want to check.
2. Go to Balances > Sales to payouts.
3. Select the Payouts tab.
4. Choose the date range you want to view.
   Bars appear, representing the payout amount for the selected date range.
5. Click on a bar to view more detailed information, such as sales and refund amounts, below the payout chart.

Find out why your payout has not arrived

To find out why your payout has not arrived:

1. Log in to your Customer Area, and select the merchant account you want to check.
2. Go to Balances > Sales to payouts.
3. Select the Payouts tab, and confirm that the payout was initiated.
4. If the payout has not been initiated yet, allow one to two business days. After the payout is initiated, allow up to three more business days for your bank to post the funds.
5. If you still have not received the funds five business days after the payable batch closed, generate the Aggregate settlement details report and filter on the journal type BankInstructionReturned. This journal type shows when the payout was not processed successfully, or when your bank returned the payout.
6. If the payout was not returned, download the bank instruction letter from the Sales to payouts dashboard and share it with your bank.

If the payout was not returned and your bank confirms that they do not have the funds, see When to reach out to Support.

Change how you get paid

You can change how you get paid for each merchant account. This section is about making changes to the payout model and payout frequency. If you want to change the account where you receive the payouts, see Manage your bank account details.

To change the payout options for a merchant account:

1. Log in to your live Customer Area.
2. Go to Balances > Payout schedule.
   Here you see an overview of your merchant accounts and their payout configurations.
3. To make changes, select Change and follow the instructions. You can change your:
   • Payout model - Choose between Sales day payout (recommended) and Pass-through payout.
     For Sales day payout, you can also change the payout delay and the sales day closing time.
   • Payout frequency - How often you get paid by Adyen.
4. Accept the Terms & conditions and select Submit.

See also