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 balance accounts, transfer instruments, or third-party bank accounts. Adyen sends the outcome of the transfer request through webhooks.

To use this endpoint, you need an additional role for your API credential and transfers must be enabled for the source balance account. Your Adyen contact will set these up for you.

Endpoint destination URL

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

Header Parameters

Required

Optional

Header for authenticating through SCA

Request Parameters

Required

Optional

The amount of the transfer.

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The unique identifier of the source balance account.

The type of transfer.

Possible values:

bank: Transfer to a transfer instrument or a bank account.
internal: Transfer to another balance account within your platform.
issuedCard: Transfer initiated by a Adyen-issued card.
platformPayment: Fund movements related to payments that are acquired for your users.

The recipient of the funds transfer. A bank account, a balance account, or a transfer instrument is required.

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Unique identifier of the balance account.

Contains information about the bank account.

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Information about the owner of the bank account.

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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.

Unique identifier of the 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 unique identifier of the source payment instrument.

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: Faster way to transfer funds but has higher fees. Recommended for high-priority, low-value transactions.
wire: Fastest way to transfer funds but has the highest fees. Recommended for high-priority, high-value transactions.
instant: Instant way to transfer funds in SEPA countries.
crossBorder: High-value transfer to a recipient in a different country.
internal: Transfer 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.

Max length: 80

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.

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

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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

202 - Accepted
The request has been accepted for processing, but the processing has not been completed.
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accountHolderobject
The account holder associated with the balance account used in the transfer.
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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.
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currencystring
Min length: 3Max length: 3
The three-character ISO currency code.
valueinteger
The amount of the transaction, in minor units.
balanceAccountobject
Contains information about the balance account involved in the transfer.
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descriptionstring
The description of the resource.
idstring
The unique identifier of the resource.
referencestring
The reference for the resource.
categorystring
The category of transfer.

Possible values:

bank: Transfer to a transfer instrument or a bank account.

internal: Transfer to another balance account within your platform.

issuedCard: Transfer initiated by a Adyen-issued card.

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

categoryData
The relevant data according to the transfer category.
counterpartyobject
The other party in the transfer.
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balanceAccountIdstring
Unique identifier of the balance account.
bankAccountobject
Contains information about the bank account.
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accountHolderobject
Information about the owner of the bank account.
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addressobject
Address of the bank account owner.
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citystring
The name of the city.
countrystring
The two-character ISO 3166-1 alpha-2 country code. For example, US, NL, or GB.
line1string
First line of the street address.
line2string
Second line of the street address.
postalCodestring
The postal code. Maximum length:

5 digits for an address in the US.

10 characters for an address in all other countries.

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. Should not be before January 1, 1900.

Allowed only when type is individual.
firstNamestring
First name of the individual.

Allowed only when type is individual.
fullNamestring
The name of the entity.
lastNamestring
Last name of the individual.

Allowed only when type is individual.
referencestring
Max length: 150
A unique reference to identify the party or counterparty involved in transfers. This identifier ensures consistency and uniqueness throughout all transactions initiated to and from the same party. For example, your client's unique wallet or payee ID.
typestring
The type of entity that owns the bank account.

Possible values: individual, organization, or unknown.
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.
merchantobject
Contains information about the merchant.
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acquirerIdstring
The unique identifier of the merchant's acquirer.
mccstring
The merchant category code.
merchantIdstring
The merchant identifier.
nameLocationobject
Contains the merchant's name and location.
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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 merchant postal code.
transferInstrumentIdstring
Unique identifier of the transfer instrument.
creationDatestring
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] & $ % # @ ~ = + - _ ' " ! ?
directionstring
The direction of the transfer.

Possible values: incoming, outgoing.
idstring
The ID of the resource.
paymentInstrumentobject
Contains information about the payment instrument used in the transfer.
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descriptionstring
The description of the resource.
idstring
The unique identifier of the resource.
referencestring
The reference for the resource.
tokenTypestring
The type of wallet 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
Max length: 80
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.

statusstring
The result of the transfer.

For example, authorised, refused, or error.
typestring
The type of transfer or transaction. For example, refund, payment, internalTransfer, bankTransfer.
401 - Unauthorized
Authentication required.
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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.
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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.
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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.
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.
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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.
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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.
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.
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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.
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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.
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

Header Parameters

Request Parameters

Response parameters

HTTP Responses

202 - Accepted

401 - Unauthorized

403 - Forbidden

422 - Unprocessable Entity

500 - Internal Server Error