Transfer funds

post/transfers

Versions 1 and 2 of the Transfers API are deprecated. If you are just starting your implementation, use the latest version.

Starts a request to transfer funds to:

Adyen sends the outcome of the transfer request through webhooks.

To use this endpoint:

Your API credential must have the TransferService Webservice Initiate role.
The account holder must have the required capabilities.

Reach out to your Adyen contact to set up these permissions.

Endpoint destination URL

https://balanceplatform-api-test.adyen.com/btl/v4/transfers

Header Parameters

Required

Optional

Header for authenticating through SCA

A unique identifier for the message with a maximum of 64 characters (we recommend a UUID).

Request Parameters

Required

Optional

The amount of the transfer.

The unique identifier of the source balance account.

If you want to make a transfer using a virtual bankAccount assigned to the balance account, you must specify the payment instrument ID of the virtual bankAccount. If you only specify a balance account ID, Adyen uses the default physical bankAccount payment instrument assigned to the balance account.

The category of the transfer.

Possible values:

bank: A transfer involving a transfer instrument or a bank account.
card: A transfer involving a third-party card.
internal: A transfer between balance accounts within your platform.
issuedCard: A transfer initiated by an Adyen-issued card.
platformPayment: Funds movements related to payments that are acquired for your users.
topUp: An incoming transfer initiated by your user to top up their balance account.

The other party involved in the funds transfer. A bank account, a balance account, a card, or a transfer instrument is required.

The unique identifier of the counterparty balance account.

Contains information about the counterparty bank account.

Information about the owner of the bank account.

The address of the bank account or card owner.

The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.

Max length: 254

The email address of the organization or individual. Maximum length: 254 characters.

The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.
Required when category is card.

The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.

The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.
Required when category is card.

Max length: 150

A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.

The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.

Max length: 255

The URL of the organization or individual. Maximum length: 255 characters.

Contains the bank account details. The fields required in this object depend on the country of the bank account and the currency of the transfer.

The unique token that identifies the stored bank account details of the counterparty for a payout.

Contains information about the counterparty card.

Contains information about the cardholder.

The address of the bank account or card owner.

The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.

Max length: 254

The email address of the organization or individual. Maximum length: 254 characters.

The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.
Required when category is card.

The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.

The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.
Required when category is card.

Max length: 150

A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.

The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.

Max length: 255

The URL of the organization or individual. Maximum length: 255 characters.

Contains the identification details of the card.

The unique identifier of the counterparty transfer instrument.

Max length: 140

Your description for the transfer. It is used by most banks as the transfer description. We recommend sending a maximum of 140 characters, otherwise the description may be truncated.

Supported characters: [a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space

Supported characters for regular and fast transfers to a US counterparty: [a-z] [A-Z] [0-9] & $ % # @ ~ = + - _ ' " ! ?

The date when the transfer will be processed. This date must be within 30 days of the current date.

Until the executionDate:

The status of the transfer remains as received.
The reason of the transfer remains as pending.

The unique identifier of the source payment instrument.

If you want to make a transfer using a virtual bankAccount, you must specify the payment instrument ID of the virtual bankAccount. If you only specify a balance account ID, Adyen uses the default physical bankAccount payment instrument assigned to the balance account.

The list of priorities for the bank transfer. This sets the speed at which the transfer is sent and the fees that you have to pay. You can provide multiple priorities. Adyen will try to pay out using the priority you list first. If that's not possible, it moves on to the next option in the order of your provided priorities.

Possible values:

regular: For normal, low-value transactions.
fast: A faster way to transfer funds, but the fees are higher. Recommended for high-priority, low-value transactions.
wire: The fastest way to transfer funds, but this has the highest fees. Recommended for high-priority, high-value transactions.
instant: For instant funds transfers within the United States and in SEPA locations.
crossBorder: For high-value transfers to a recipient in a different country.
internal: For transfers to an Adyen-issued business bank account (by bank account number/IBAN).

Required for transfers with category bank. For more details, see fallback priorities.

The priority for the bank transfer. This sets the speed at which the transfer is sent and the fees that you have to pay. Required for transfers with category bank.

Possible values:

regular: For normal, low-value transactions.
fast: A faster way to transfer funds, but the fees are higher. Recommended for high-priority, low-value transactions.
wire: The fastest way to transfer funds, but this has the highest fees. Recommended for high-priority, high-value transactions.
instant: For instant funds transfers within the United States and in SEPA locations.
crossBorder: For high-value transfers to a recipient in a different country.
internal: For transfers to an Adyen-issued business bank account (by bank account number/IBAN).

Max length: 80

Your reference for the transfer, used internally within your platform. If you don't provide this in the request, Adyen generates a unique reference.

A reference that is sent to the recipient. This reference is also sent in all webhooks related to the transfer, so you can use it to track statuses for both parties involved in the funds movement.

Supported characters: a-z, A-Z, 0-9. The maximum length depends on the category.

internal: 80 characters
bank: 35 characters when transferring to an IBAN, 15 characters for others.

Contains information required for triggering transfer reviews.

The type of transfer.

Possible values:

bankTransfer: for push transfers to a transfer instrument or a bank account. The category must be bank.
internalTransfer: for push transfers between balance accounts. The category must be internal.
internalDirectDebit: for pull transfers (direct debits) between balance accounts. The category must be internal.

The ultimate sender of the funds of the transfer (ultimate debtor).

The address of the bank account or card owner.

The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.

Max length: 254

The email address of the organization or individual. Maximum length: 254 characters.

The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.
Required when category is card.

The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.

Details of the card or token used to fund the pay-in transaction.

The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.
Required when category is card.

Max length: 150

A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.

The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.

Max length: 255

The URL of the organization or individual. Maximum length: 255 characters.

Response parameters

After submitting a call, you receive a response message to inform you that your request was received and processed.

Depending on the HTTP status code of the response message, it is helpful to build some logic to handle any errors that a request or the system may return.

HTTP Responses

200 - OK
The request has succeeded.
accountHolderobject
The account holder associated with the balance account involved in the transfer.
descriptionstring
The description of the resource.
idstring
The unique identifier of the resource.
referencestring
The reference for the resource.
amountobject
The amount of the transfer.
currencystring
Min length: 3Max length: 3
The three-character ISO currency code of the amount.
valueinteger
The numeric value of the amount, in minor units.
balanceAccountobject
Contains information about the balance account involved in the transfer.
descriptionstring
The description of the resource.
idstring
The unique identifier of the resource.
referencestring
The reference for the resource.
categorystring
The category of the transfer.

Possible values:

bank: A transfer involving a transfer instrument or a bank account.

card: A transfer involving a third-party card.

internal: A transfer between balance accounts within your platform.

issuedCard: A transfer initiated by an Adyen-issued card.

platformPayment: Funds movements related to payments that are acquired for your users.

topUp: An incoming transfer initiated by your user to top up their balance account.

categoryData
The relevant data according to the transfer category.
counterpartyobject
The other party in the transfer.
balanceAccountIdstring
The unique identifier of the counterparty balance account.
bankAccountobject
Contains information about the counterparty bank account.
accountHolderobject
Information about the owner of the bank account.
addressobject
The address of the bank account or card owner.
citystring
Min length: 3
The name of the city.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

countrystring
The two-character ISO 3166-1 alpha-2 country code. For example, US, NL, or GB.
line1string
The first line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

line2string
The second line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

postalCodestring
Min length: 3
The postal code. Maximum length:

5 digits for an address in the US.

10 characters for an address in all other countries.

Supported characters: [a-z] [A-Z] [0-9] and Space.

Required for addresses in the US.

stateOrProvincestring
The two-letter ISO 3166-2 state or province code. For example, CA in the US or ON in Canada.

Required for the US and Canada.

dateOfBirthstring
The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.
emailstring
Max length: 254
The email address of the organization or individual. Maximum length: 254 characters.
firstNamestring
The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

fullNamestring
The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.
lastNamestring
The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

referencestring
Max length: 150
A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.
typestring
The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.
urlstring
Max length: 255
The URL of the organization or individual. Maximum length: 255 characters.
accountIdentification
Contains the bank account details. The fields required in this object depend on the country of the bank account and the currency of the transfer.
storedPaymentMethodIdstring
The unique token that identifies the stored bank account details of the counterparty for a payout.
cardobject
Contains information about the counterparty card.
cardHolderobject
Contains information about the cardholder.
addressobject
The address of the bank account or card owner.
citystring
Min length: 3
The name of the city.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

countrystring
The two-character ISO 3166-1 alpha-2 country code. For example, US, NL, or GB.
line1string
The first line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

line2string
The second line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

postalCodestring
Min length: 3
The postal code. Maximum length:

5 digits for an address in the US.

10 characters for an address in all other countries.

Supported characters: [a-z] [A-Z] [0-9] and Space.

Required for addresses in the US.

stateOrProvincestring
The two-letter ISO 3166-2 state or province code. For example, CA in the US or ON in Canada.

Required for the US and Canada.

dateOfBirthstring
The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.
emailstring
Max length: 254
The email address of the organization or individual. Maximum length: 254 characters.
firstNamestring
The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

fullNamestring
The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.
lastNamestring
The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

referencestring
Max length: 150
A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.
typestring
The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.
urlstring
Max length: 255
The URL of the organization or individual. Maximum length: 255 characters.
cardIdentificationobject
Contains the identification details of the card.
expiryMonthstring
Min length: 2Max length: 2
The expiry month of the card.

Format: two digits. Add a leading zero for single-digit months. For example:

03 = March

11 = November

expiryYearstring
Min length: 4Max length: 4
The expiry year of the card.

Format: four digits. For example: 2020
issueNumberstring
Min length: 1Max length: 2
The issue number of the card. Applies only to some UK debit cards.
numberstring
Min length: 4Max length: 19
The card number without any separators.

For security, the response only includes the last four digits of the card number.
startMonthstring
Min length: 2Max length: 2
The month when the card was issued. Applies only to some UK debit cards.

Format: two digits. Add a leading zero for single-digit months. For example:

03 = March

11 = November

startYearstring
Min length: 4Max length: 4
The year when the card was issued. Applies only to some UK debit cards.

Format: four digits. For example: 2020
storedPaymentMethodIdstring
The unique token created to identify the counterparty.

merchantobject
Contains information about the merchant.
acquirerIdstring
The unique identifier of the merchant's acquirer.
mccstring
The merchant category code.
merchantIdstring
The unique identifier of the merchant.
nameLocationobject
Contains the name and location of the merchant.
citystring
The city where the merchant is located.
countrystring
The country where the merchant is located in three-letter country code format.
countryOfOriginstring
The home country in three-digit country code format, used for government-controlled merchants such as embassies.
namestring
The name of the merchant's shop or service.
rawDatastring
The raw data.
statestring
The state where the merchant is located.
postalCodestring
The postal code of the merchant.
transferInstrumentIdstring
The unique identifier of the counterparty transfer instrument.
createdAtstring
The date and time when the transfer was created, in ISO 8601 extended format. For example, 2020-12-18T10:15:30+01:00.
creationDatestringDeprecated in version 3
Use createdAt or updatedAt
The date and time when the event was triggered, in ISO 8601 extended format. For example, 2020-12-18T10:15:30+01:00.
descriptionstring
Your description for the transfer. It is used by most banks as the transfer description. We recommend sending a maximum of 140 characters, otherwise the description may be truncated.

Supported characters: [a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space

Supported characters for regular and fast transfers to a US counterparty: [a-z] [A-Z] [0-9] & $ % # @ ~ = + - _ ' " ! ?
directDebitInformationobject
The details of the direct debit.
dateOfSignaturestring
The date when the direct debit mandate was accepted by your user, in ISO-8601 format.
dueDatestring
The date when the funds are deducted from your user's balance account.
mandateIdstring
Your unique identifier for the direct debit mandate.
sequenceTypestring
Identifies the direct debit transfer's type. Possible values: OneOff, First, Recurring, Final.
directionstring
The direction of the transfer.

Possible values: incoming, outgoing.
executionDateobject
Contains information about the date when the transfer will be processed. The execution date must be within 30 days of the current date.

Until the execution date:

The status of the transfer remains as received.

The reason of the transfer remains as pending.

datestring
The date when the transfer will be processed. This date must be:

Within 30 days of the current date.

In the ISO 8601 format YYYY-MM-DD. For example: 2025-01-31

timezonestring
The timezone that applies to the execution date. Use a timezone identifier from the tz database.

Example: America/Los_Angeles. Default value: Europe/Amsterdam.
idstring
The ID of the resource.
paymentInstrumentobject
Contains information about the payment instrument used in the transfer.
descriptionstring
The description of the resource.
idstring
The unique identifier of the resource.
referencestring
The reference for the resource.
tokenTypestring
The type of wallet that the network token is associated with.
reasonstring
Additional information about the status of the transfer.
referencestring
Max length: 80
Your reference for the transfer, used internally within your platform. If you don't provide this in the request, Adyen generates a unique reference.
referenceForBeneficiarystring
A reference that is sent to the recipient. This reference is also sent in all webhooks related to the transfer, so you can use it to track statuses for both the source and recipient of funds.

Supported characters: a-z, A-Z, 0-9.The maximum length depends on the category.

internal: 80 characters

bank: 35 characters when transferring to an IBAN, 15 characters for others.

reviewobject
Contains status updates related to additional reviews.
numberOfApprovalsRequiredinteger
Shows the number of approvals required to process the transfer.
scaOnApprovalstring
Shows the status of the Strong Customer Authentication (SCA) process.

Possible values: required, notApplicable.
statusstring
The result of the transfer.

For example:

received: an outgoing transfer request is created.

refused: the transfer request is rejected by Adyen for one of the following reasons:

Lack of funds in the balance account.

Transfer limit exceeded.

Transaction rule requirements violated.

authorised: the transfer request is authorized and the funds are reserved.

booked: the funds are deducted from your user's balance account.

failed: the transfer is rejected by the counterparty's bank.

returned: the transfer is returned by the counterparty's bank.

typestring
The type of transfer or transaction. For example, refund, payment, internalTransfer, bankTransfer.
ultimatePartyobject
The ultimate sender of the funds of the transfer (ultimate debtor).
addressobject
The address of the bank account or card owner.
citystring
Min length: 3
The name of the city.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

countrystring
The two-character ISO 3166-1 alpha-2 country code. For example, US, NL, or GB.
line1string
The first line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

line2string
The second line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

postalCodestring
Min length: 3
The postal code. Maximum length:

5 digits for an address in the US.

10 characters for an address in all other countries.

Supported characters: [a-z] [A-Z] [0-9] and Space.

Required for addresses in the US.

stateOrProvincestring
The two-letter ISO 3166-2 state or province code. For example, CA in the US or ON in Canada.

Required for the US and Canada.

dateOfBirthstring
The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.
emailstring
Max length: 254
The email address of the organization or individual. Maximum length: 254 characters.
firstNamestring
The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

fullNamestring
The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.
fundingInstrumentobject
Details of the card or token used to fund the pay-in transaction.
cardIdentificationobject
Card details used for the transfer, such as the Primary Account Number (PAN) or stored payment method ID. Required if sourceOfFunds is DEBIT. Provide either:

storedPaymentMethodId or

expiryMonth, expiryYear, and number.

expiryMonthstring
Min length: 2Max length: 2
The expiry month of the card.

Format: two digits. Add a leading zero for single-digit months. For example:

03 = March

11 = November

expiryYearstring
Min length: 4Max length: 4
The expiry year of the card.

Format: four digits. For example: 2020
issueNumberstring
Min length: 1Max length: 2
The issue number of the card. Applies only to some UK debit cards.
numberstring
Min length: 4Max length: 19
The card number without any separators.

For security, the response only includes the last four digits of the card number.
startMonthstring
Min length: 2Max length: 2
The month when the card was issued. Applies only to some UK debit cards.

Format: two digits. Add a leading zero for single-digit months. For example:

03 = March

11 = November

startYearstring
Min length: 4Max length: 4
The year when the card was issued. Applies only to some UK debit cards.

Format: four digits. For example: 2020
storedPaymentMethodIdstring
The unique token created to identify the counterparty.

networkPaymentReferencestring
The unique reference assigned by the card network for the pay-in transaction.
referencestring
Your internal reference that identifies this funding instrument. Required if sourceOfFunds is DEPOSIT_ACCOUNT.
sourceOfFundsstring
Indicates where the funds used for the transfer originated. Possible values are:

DEBIT for card-to-card transfers.

DEPOSIT_ACCOUNT for wallet-to-card transfers.

lastNamestring
The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

referencestring
Max length: 150
A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.
typestring
The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.
urlstring
Max length: 255
The URL of the organization or individual. Maximum length: 255 characters.
202 - Accepted
The request has been accepted for processing, but the processing has not been completed.
accountHolderobject
The account holder associated with the balance account involved in the transfer.
descriptionstring
The description of the resource.
idstring
The unique identifier of the resource.
referencestring
The reference for the resource.
amountobject
The amount of the transfer.
currencystring
Min length: 3Max length: 3
The three-character ISO currency code of the amount.
valueinteger
The numeric value of the amount, in minor units.
balanceAccountobject
Contains information about the balance account involved in the transfer.
descriptionstring
The description of the resource.
idstring
The unique identifier of the resource.
referencestring
The reference for the resource.
categorystring
The category of the transfer.

Possible values:

bank: A transfer involving a transfer instrument or a bank account.

card: A transfer involving a third-party card.

internal: A transfer between balance accounts within your platform.

issuedCard: A transfer initiated by an Adyen-issued card.

platformPayment: Funds movements related to payments that are acquired for your users.

topUp: An incoming transfer initiated by your user to top up their balance account.

categoryData
The relevant data according to the transfer category.
counterpartyobject
The other party in the transfer.
balanceAccountIdstring
The unique identifier of the counterparty balance account.
bankAccountobject
Contains information about the counterparty bank account.
accountHolderobject
Information about the owner of the bank account.
addressobject
The address of the bank account or card owner.
citystring
Min length: 3
The name of the city.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

countrystring
The two-character ISO 3166-1 alpha-2 country code. For example, US, NL, or GB.
line1string
The first line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

line2string
The second line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

postalCodestring
Min length: 3
The postal code. Maximum length:

5 digits for an address in the US.

10 characters for an address in all other countries.

Supported characters: [a-z] [A-Z] [0-9] and Space.

Required for addresses in the US.

stateOrProvincestring
The two-letter ISO 3166-2 state or province code. For example, CA in the US or ON in Canada.

Required for the US and Canada.

dateOfBirthstring
The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.
emailstring
Max length: 254
The email address of the organization or individual. Maximum length: 254 characters.
firstNamestring
The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

fullNamestring
The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.
lastNamestring
The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

referencestring
Max length: 150
A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.
typestring
The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.
urlstring
Max length: 255
The URL of the organization or individual. Maximum length: 255 characters.
accountIdentification
Contains the bank account details. The fields required in this object depend on the country of the bank account and the currency of the transfer.
storedPaymentMethodIdstring
The unique token that identifies the stored bank account details of the counterparty for a payout.
cardobject
Contains information about the counterparty card.
cardHolderobject
Contains information about the cardholder.
addressobject
The address of the bank account or card owner.
citystring
Min length: 3
The name of the city.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

countrystring
The two-character ISO 3166-1 alpha-2 country code. For example, US, NL, or GB.
line1string
The first line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

line2string
The second line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

postalCodestring
Min length: 3
The postal code. Maximum length:

5 digits for an address in the US.

10 characters for an address in all other countries.

Supported characters: [a-z] [A-Z] [0-9] and Space.

Required for addresses in the US.

stateOrProvincestring
The two-letter ISO 3166-2 state or province code. For example, CA in the US or ON in Canada.

Required for the US and Canada.

dateOfBirthstring
The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.
emailstring
Max length: 254
The email address of the organization or individual. Maximum length: 254 characters.
firstNamestring
The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

fullNamestring
The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.
lastNamestring
The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

referencestring
Max length: 150
A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.
typestring
The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.
urlstring
Max length: 255
The URL of the organization or individual. Maximum length: 255 characters.
cardIdentificationobject
Contains the identification details of the card.
expiryMonthstring
Min length: 2Max length: 2
The expiry month of the card.

Format: two digits. Add a leading zero for single-digit months. For example:

03 = March

11 = November

expiryYearstring
Min length: 4Max length: 4
The expiry year of the card.

Format: four digits. For example: 2020
issueNumberstring
Min length: 1Max length: 2
The issue number of the card. Applies only to some UK debit cards.
numberstring
Min length: 4Max length: 19
The card number without any separators.

For security, the response only includes the last four digits of the card number.
startMonthstring
Min length: 2Max length: 2
The month when the card was issued. Applies only to some UK debit cards.

Format: two digits. Add a leading zero for single-digit months. For example:

03 = March

11 = November

startYearstring
Min length: 4Max length: 4
The year when the card was issued. Applies only to some UK debit cards.

Format: four digits. For example: 2020
storedPaymentMethodIdstring
The unique token created to identify the counterparty.

merchantobject
Contains information about the merchant.
acquirerIdstring
The unique identifier of the merchant's acquirer.
mccstring
The merchant category code.
merchantIdstring
The unique identifier of the merchant.
nameLocationobject
Contains the name and location of the merchant.
citystring
The city where the merchant is located.
countrystring
The country where the merchant is located in three-letter country code format.
countryOfOriginstring
The home country in three-digit country code format, used for government-controlled merchants such as embassies.
namestring
The name of the merchant's shop or service.
rawDatastring
The raw data.
statestring
The state where the merchant is located.
postalCodestring
The postal code of the merchant.
transferInstrumentIdstring
The unique identifier of the counterparty transfer instrument.
createdAtstring
The date and time when the transfer was created, in ISO 8601 extended format. For example, 2020-12-18T10:15:30+01:00.
creationDatestringDeprecated in version 3
Use createdAt or updatedAt
The date and time when the event was triggered, in ISO 8601 extended format. For example, 2020-12-18T10:15:30+01:00.
descriptionstring
Your description for the transfer. It is used by most banks as the transfer description. We recommend sending a maximum of 140 characters, otherwise the description may be truncated.

Supported characters: [a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space

Supported characters for regular and fast transfers to a US counterparty: [a-z] [A-Z] [0-9] & $ % # @ ~ = + - _ ' " ! ?
directDebitInformationobject
The details of the direct debit.
dateOfSignaturestring
The date when the direct debit mandate was accepted by your user, in ISO-8601 format.
dueDatestring
The date when the funds are deducted from your user's balance account.
mandateIdstring
Your unique identifier for the direct debit mandate.
sequenceTypestring
Identifies the direct debit transfer's type. Possible values: OneOff, First, Recurring, Final.
directionstring
The direction of the transfer.

Possible values: incoming, outgoing.
executionDateobject
Contains information about the date when the transfer will be processed. The execution date must be within 30 days of the current date.

Until the execution date:

The status of the transfer remains as received.

The reason of the transfer remains as pending.

datestring
The date when the transfer will be processed. This date must be:

Within 30 days of the current date.

In the ISO 8601 format YYYY-MM-DD. For example: 2025-01-31

timezonestring
The timezone that applies to the execution date. Use a timezone identifier from the tz database.

Example: America/Los_Angeles. Default value: Europe/Amsterdam.
idstring
The ID of the resource.
paymentInstrumentobject
Contains information about the payment instrument used in the transfer.
descriptionstring
The description of the resource.
idstring
The unique identifier of the resource.
referencestring
The reference for the resource.
tokenTypestring
The type of wallet that the network token is associated with.
reasonstring
Additional information about the status of the transfer.
referencestring
Max length: 80
Your reference for the transfer, used internally within your platform. If you don't provide this in the request, Adyen generates a unique reference.
referenceForBeneficiarystring
A reference that is sent to the recipient. This reference is also sent in all webhooks related to the transfer, so you can use it to track statuses for both the source and recipient of funds.

Supported characters: a-z, A-Z, 0-9.The maximum length depends on the category.

internal: 80 characters

bank: 35 characters when transferring to an IBAN, 15 characters for others.

reviewobject
Contains status updates related to additional reviews.
numberOfApprovalsRequiredinteger
Shows the number of approvals required to process the transfer.
scaOnApprovalstring
Shows the status of the Strong Customer Authentication (SCA) process.

Possible values: required, notApplicable.
statusstring
The result of the transfer.

For example:

received: an outgoing transfer request is created.

refused: the transfer request is rejected by Adyen for one of the following reasons:

Lack of funds in the balance account.

Transfer limit exceeded.

Transaction rule requirements violated.

authorised: the transfer request is authorized and the funds are reserved.

booked: the funds are deducted from your user's balance account.

failed: the transfer is rejected by the counterparty's bank.

returned: the transfer is returned by the counterparty's bank.

typestring
The type of transfer or transaction. For example, refund, payment, internalTransfer, bankTransfer.
ultimatePartyobject
The ultimate sender of the funds of the transfer (ultimate debtor).
addressobject
The address of the bank account or card owner.
citystring
Min length: 3
The name of the city.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

countrystring
The two-character ISO 3166-1 alpha-2 country code. For example, US, NL, or GB.
line1string
The first line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

line2string
The second line of the street address.

Supported characters: [a-z] [A-Z] [0-9] . - — / # , ’ ° ( ) : ; [ ] & \ | and Space.

Required when the category is card.

postalCodestring
Min length: 3
The postal code. Maximum length:

5 digits for an address in the US.

10 characters for an address in all other countries.

Supported characters: [a-z] [A-Z] [0-9] and Space.

Required for addresses in the US.

stateOrProvincestring
The two-letter ISO 3166-2 state or province code. For example, CA in the US or ON in Canada.

Required for the US and Canada.

dateOfBirthstring
The date of birth of the individual in ISO-8601 format. For example, YYYY-MM-DD.

Allowed only when type is individual.
emailstring
Max length: 254
The email address of the organization or individual. Maximum length: 254 characters.
firstNamestring
The first name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

fullNamestring
The full name of the entity that owns the bank account or card.

Supported characters: [a-z] [A-Z] [0-9] , . ; : - — / \ + & ! ? @ ( ) " ' and space.

Required when category is bank.
fundingInstrumentobject
Details of the card or token used to fund the pay-in transaction.
cardIdentificationobject
Card details used for the transfer, such as the Primary Account Number (PAN) or stored payment method ID. Required if sourceOfFunds is DEBIT. Provide either:

storedPaymentMethodId or

expiryMonth, expiryYear, and number.

expiryMonthstring
Min length: 2Max length: 2
The expiry month of the card.

Format: two digits. Add a leading zero for single-digit months. For example:

03 = March

11 = November

expiryYearstring
Min length: 4Max length: 4
The expiry year of the card.

Format: four digits. For example: 2020
issueNumberstring
Min length: 1Max length: 2
The issue number of the card. Applies only to some UK debit cards.
numberstring
Min length: 4Max length: 19
The card number without any separators.

For security, the response only includes the last four digits of the card number.
startMonthstring
Min length: 2Max length: 2
The month when the card was issued. Applies only to some UK debit cards.

Format: two digits. Add a leading zero for single-digit months. For example:

03 = March

11 = November

startYearstring
Min length: 4Max length: 4
The year when the card was issued. Applies only to some UK debit cards.

Format: four digits. For example: 2020
storedPaymentMethodIdstring
The unique token created to identify the counterparty.

networkPaymentReferencestring
The unique reference assigned by the card network for the pay-in transaction.
referencestring
Your internal reference that identifies this funding instrument. Required if sourceOfFunds is DEPOSIT_ACCOUNT.
sourceOfFundsstring
Indicates where the funds used for the transfer originated. Possible values are:

DEBIT for card-to-card transfers.

DEPOSIT_ACCOUNT for wallet-to-card transfers.

lastNamestring
The last name of the individual.

Supported characters: [a-z] [A-Z] - . / — and space.

This parameter is:

Allowed only when type is individual.

Required when category is card.

referencestring
Max length: 150
A unique reference to identify the party or counterparty involved in the transfer. For example, your client's unique wallet or payee ID.

Required when you include cardIdentification.storedPaymentMethodId.
typestring
The type of entity that owns the bank account or card.

Possible values: individual, organization, or unknown.

Required when category is card. In this case, the value must be individual.
urlstring
Max length: 255
The URL of the organization or individual. Maximum length: 255 characters.
401 - Unauthorized
Authentication required.
errorCodestring
The error code mapped to the error message.
errorTypestring
The category of the error.
messagestring
A short explanation of the issue.
pspReferencestring
The PSP reference of the payment.
statusinteger
The HTTP response status.
403 - Forbidden
Insufficient permissions to process the request.
detailstring
A human-readable explanation specific to this occurrence of the problem.
errorCodestring
A code that identifies the problem type.
instancestring
A unique URI that identifies the specific occurrence of the problem.
invalidFieldsarray[object]
Detailed explanation of each validation error, when applicable.
messagestring
Description of the validation error.
namestring
The field that has an invalid value.
valuestring
The invalid value.
requestIdstring
A unique reference for the request, essentially the same as pspReference.
responseobject
JSON response payload.
routingDetailsarray[object]
Detailed explanation of each attempt to route the transfer with the priorities from the request.
detailstring
A human-readable explanation specific to this occurrence of the problem.
errorCodestring
A code that identifies the problem type.
prioritystring
The priority for the bank transfer. This sets the speed at which the transfer is sent and the fees that you have to pay. Required for transfers with category bank.

Possible values:

regular: For normal, low-value transactions.

fast: A faster way to transfer funds, but the fees are higher. Recommended for high-priority, low-value transactions.

wire: The fastest way to transfer funds, but this has the highest fees. Recommended for high-priority, high-value transactions.

instant: For instant funds transfers within the United States and in SEPA locations.

crossBorder: For high-value transfers to a recipient in a different country.

internal: For transfers to an Adyen-issued business bank account (by bank account number/IBAN).

titlestring
A short, human-readable summary of the problem type.
statusinteger
The HTTP status code.
titlestring
A short, human-readable summary of the problem type.
typestring
A URI that identifies the problem type, pointing to human-readable documentation on this problem type.
422 - Unprocessable Entity
A request validation error.
detailstring
A human-readable explanation specific to this occurrence of the problem.
errorCodestring
A code that identifies the problem type.
instancestring
A unique URI that identifies the specific occurrence of the problem.
invalidFieldsarray[object]
Detailed explanation of each validation error, when applicable.
messagestring
Description of the validation error.
namestring
The field that has an invalid value.
valuestring
The invalid value.
requestIdstring
A unique reference for the request, essentially the same as pspReference.
responseobject
JSON response payload.
routingDetailsarray[object]
Detailed explanation of each attempt to route the transfer with the priorities from the request.
detailstring
A human-readable explanation specific to this occurrence of the problem.
errorCodestring
A code that identifies the problem type.
prioritystring
The priority for the bank transfer. This sets the speed at which the transfer is sent and the fees that you have to pay. Required for transfers with category bank.

Possible values:

regular: For normal, low-value transactions.

fast: A faster way to transfer funds, but the fees are higher. Recommended for high-priority, low-value transactions.

wire: The fastest way to transfer funds, but this has the highest fees. Recommended for high-priority, high-value transactions.

instant: For instant funds transfers within the United States and in SEPA locations.

crossBorder: For high-value transfers to a recipient in a different country.

internal: For transfers to an Adyen-issued business bank account (by bank account number/IBAN).

titlestring
A short, human-readable summary of the problem type.
statusinteger
The HTTP status code.
titlestring
A short, human-readable summary of the problem type.
typestring
A URI that identifies the problem type, pointing to human-readable documentation on this problem type.
500 - Internal Server Error
The server could not process the request.
detailstring
A human-readable explanation specific to this occurrence of the problem.
errorCodestring
A code that identifies the problem type.
instancestring
A unique URI that identifies the specific occurrence of the problem.
invalidFieldsarray[object]
Detailed explanation of each validation error, when applicable.
messagestring
Description of the validation error.
namestring
The field that has an invalid value.
valuestring
The invalid value.
requestIdstring
A unique reference for the request, essentially the same as pspReference.
responseobject
JSON response payload.
routingDetailsarray[object]
Detailed explanation of each attempt to route the transfer with the priorities from the request.
detailstring
A human-readable explanation specific to this occurrence of the problem.
errorCodestring
A code that identifies the problem type.
prioritystring
The priority for the bank transfer. This sets the speed at which the transfer is sent and the fees that you have to pay. Required for transfers with category bank.

Possible values:

regular: For normal, low-value transactions.

fast: A faster way to transfer funds, but the fees are higher. Recommended for high-priority, low-value transactions.

wire: The fastest way to transfer funds, but this has the highest fees. Recommended for high-priority, high-value transactions.

instant: For instant funds transfers within the United States and in SEPA locations.

crossBorder: For high-value transfers to a recipient in a different country.

internal: For transfers to an Adyen-issued business bank account (by bank account number/IBAN).

titlestring
A short, human-readable summary of the problem type.
statusinteger
The HTTP status code.
titlestring
A short, human-readable summary of the problem type.
typestring
A URI that identifies the problem type, pointing to human-readable documentation on this problem type.

Transfer funds

HTTP Responses

200 - OK

202 - Accepted

401 - Unauthorized

403 - Forbidden

422 - Unprocessable Entity

500 - Internal Server Error