---
title: "Create business accounts"
description: "Create and manage business accounts for your users."
url: "https://docs.adyen.com/business-accounts/create-business-accounts"
source_url: "https://docs.adyen.com/business-accounts/create-business-accounts.md"
canonical: "https://docs.adyen.com/business-accounts/create-business-accounts"
last_modified: "2024-01-04T17:37:00+01:00"
language: "en"
---

# Create business accounts

Create and manage business accounts for your users.

[View source](/business-accounts/create-business-accounts.md)

When you create an Adyen business account for your users, you generate a business account number linked to their balance account. Your users can share their business account number with third parties so they can receive business-related payments or fund transfers.

## Requirements

Before you can create business accounts for your users, check if you meet the [requirements for business accounts](/business-accounts#requirements).

Additionally, make sure that your users have:

* [Legal entities](/business-accounts/manage-legal-entities) for both your user and all entities associated with the user. For example, the ultimate beneficial owners (UBOs) for an organization.
* Business lines, which contain information about your user's line of business. You need to create two business lines, one for your user to receive payments and one for business accounts.
* An [account holder](/business-accounts/manage-account-holders) and a [balance account](/business-accounts/manage-balance-accounts).
* Completed the [verification checks for business accounts](/business-accounts/verification-requirements) and have the **issueBankAccount** [capability](/business-accounts/verification-overview/capabilities) allowed and enabled.

## Create a payment instrument

After the **issueBankAccount** capability has been allowed and enabled on the account holder of your user, you can proceed with creating a payment instrument for them. Payment instruments—such as business accounts—are resources that account holders can use externally to transact with their balance account. Creating a business account payment instrument generates a business account number, such as an IBAN.

To create a business account payment instrument, make a POST [/paymentInstruments](https://docs.adyen.com/api-explorer/#/balanceplatform/latest/post/paymentInstruments) call specifying:

| Parameter name                                                                                                                          | Required                                                                                    | Description                                                                                                                                                                                          |
| --------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| [balanceAccountId](https://docs.adyen.com/api-explorer/balanceplatform/latest/post/paymentInstruments#request-balanceAccountId)         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The ID returned when you created the balance account. All financial transactions, such as receiving and sending funds, will be processed in this balance account.                                    |
| [issuingCountryCode](https://docs.adyen.com/api-explorer/#/balanceplatform/latest/post/paymentInstruments__reqParam_issuingCountryCode) | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The two-letter country code where the business account is issued from. We currently support **NL** and **US**. The currency of the specified country must match the currency of the balance account. |
| [type](https://docs.adyen.com/api-explorer/balanceplatform/latest/post/paymentInstruments#request-type)                                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Set to **bankAccount**.                                                                                                                                                                              |
| [description](https://docs.adyen.com/api-explorer/balanceplatform/latest/post/paymentInstruments#request-description)                   |                                                                                             | Your description for the business account, which you can use to store useful information for your staff.                                                                                             |
| [reference](https://docs.adyen.com/api-explorer/#/balanceplatform/latest/post/paymentInstruments__reqParam_reference)                   |                                                                                             | Your reference for the business account, which you can map to your internal systems.                                                                                                                 |

A balance account can only have one business account number. The API returns an error if a business account number already exists.

### Tab: IBAN

Here is how you create an IBAN for a business account issued in the Netherlands.

**Create an IBAN**

#### curl

```bash
curl https://balanceplatform-api-test.adyen.com/bcl/v2/paymentInstruments \
-H 'x-api-key: ADYEN_BALANCE_PLATFORM_API_KEY' \
-H 'content-type: application/json' \
-X POST  \
-d '{
    "type": "bankAccount",
    "description": "{hint:Your human-readable description for the business account}S.Hopper - Account in NL{/hint}",
    "balanceAccountId": "BA00000000000000000000001",
    "issuingCountryCode": "NL"
}'
```

#### Java

```java
// Adyen Java API Library v33.0.0
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.balanceplatform.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.service.balancePlatform.*;

Client client = new Client("ADYEN_BALANCE_PLATFORM_API_KEY", Environment.TEST);

// Create the request object(s)
PaymentInstrumentInfo paymentInstrumentInfo = new PaymentInstrumentInfo()
  .balanceAccountId("BA00000000000000000000001")
  .description("S.Hopper - Account in NL")
  .type(PaymentInstrumentInfo.TypeEnum.BANKACCOUNT)
  .issuingCountryCode("NL");

// Send the request
PaymentInstrumentsApi service = new PaymentInstrumentsApi(client);
PaymentInstrument response = service.createPaymentInstrument(paymentInstrumentInfo, null);
```

#### PHP

```php
<?php
// Adyen PHP API Library v24.0.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\BalancePlatform\PaymentInstrumentInfo;
use Adyen\Service\BalancePlatform\PaymentInstrumentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_BALANCE_PLATFORM_API_KEY");
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$paymentInstrumentInfo = new PaymentInstrumentInfo();
$paymentInstrumentInfo
  ->setBalanceAccountId("BA00000000000000000000001")
  ->setDescription("S.Hopper - Account in NL")
  ->setType("bankAccount")
  ->setIssuingCountryCode("NL");

// Send the request
$service = new PaymentInstrumentsApi($client);
$response = $service->createPaymentInstrument($paymentInstrumentInfo);
```

#### C\#

```cs
// Adyen .net API Library v28.0.0
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.BalancePlatform;
using Adyen.Service.BalancePlatform;

var config = new Config()
{
    XApiKey = "ADYEN_BALANCE_PLATFORM_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
PaymentInstrumentInfo paymentInstrumentInfo = new PaymentInstrumentInfo
{
  BalanceAccountId = "BA00000000000000000000001",
  Description = "S.Hopper - Account in NL",
  Type = PaymentInstrumentInfo.TypeEnum.BankAccount,
  IssuingCountryCode = "NL"
};

// Send the request
var service = new PaymentInstrumentsService(client);
var response = service.CreatePaymentInstrument(paymentInstrumentInfo);
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v23.3.0
const { Client, BalancePlatformAPI } = require('@adyen/api-library');

const client = new Client({ apiKey: "ADYEN_BALANCE_PLATFORM_API_KEY", environment: "TEST" });

// Create the request object(s)
const paymentInstrumentInfo = {
  type: "bankAccount",
  description: "S.Hopper - Account in NL",
  balanceAccountId: "BA00000000000000000000001",
  issuingCountryCode: "NL"
}

// Send the request
const balancePlatformAPI = new BalancePlatformAPI(client);
const response = balancePlatformAPI.PaymentInstrumentsApi.createPaymentInstrument(paymentInstrumentInfo);
```

#### Go

```go
// Adyen Go API Library v17.0.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v17/src/common"
  "github.com/adyen/adyen-go-api-library/v17/src/adyen"
  "github.com/adyen/adyen-go-api-library/v17/src/balancePlatform"
)
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_BALANCE_PLATFORM_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
paymentInstrumentInfo := balancePlatform.PaymentInstrumentInfo{
  BalanceAccountId: "BA00000000000000000000001",
  Description: common.PtrString("S.Hopper - Account in NL"),
  Type: "bankAccount",
  IssuingCountryCode: "NL",
}

// Send the request
service := client.BalancePlatform()
req := service.PaymentInstrumentsApi.CreatePaymentInstrumentInput().PaymentInstrumentInfo(paymentInstrumentInfo)
res, httpRes, err := service.PaymentInstrumentsApi.CreatePaymentInstrument(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v13.3.0
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_BALANCE_PLATFORM_API_KEY"
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "type": "bankAccount",
  "description": "S.Hopper - Account in NL",
  "balanceAccountId": "BA00000000000000000000001",
  "issuingCountryCode": "NL"
}

# Send the request
result = adyen.balancePlatform.payment_instruments_api.create_payment_instrument(request=json_request)
```

#### Ruby

```rb
# Adyen Ruby API Library v10.1.1
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_BALANCE_PLATFORM_API_KEY'
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :type => 'bankAccount',
  :description => 'S.Hopper - Account in NL',
  :balanceAccountId => 'BA00000000000000000000001',
  :issuingCountryCode => 'NL'
}

# Send the request
result = adyen.balancePlatform.payment_instruments_api.create_payment_instrument(request_body)
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v23.3.0
import { Client, BalancePlatformAPI, Types } from "@adyen/api-library";

const client = new Client({ apiKey: "ADYEN_BALANCE_PLATFORM_API_KEY", environment: "TEST" });

// Create the request object(s)
const paymentInstrumentInfo: Types.balancePlatform.PaymentInstrumentInfo = {
  balanceAccountId: "BA00000000000000000000001",
  description: "S.Hopper - Account in NL",
  type: Types.balancePlatform.PaymentInstrumentInfo.TypeEnum.BankAccount,
  issuingCountryCode: "NL"
};

// Send the request
const balancePlatformAPI = new BalancePlatformAPI(client);
const response = balancePlatformAPI.PaymentInstrumentsApi.createPaymentInstrument(paymentInstrumentInfo);
```

The response returns the **paymentInstrument** resource, identified by its unique `id`. You also receive the `iban` which the account holder can use when sending funds to their business account.

**Response**

```json
{
    "balanceAccountId": "BA00000000000000000000001",
    "issuingCountryCode": "NL",
    "status": "Active",
    "type": "bankAccount",
    "bankAccount": {
      "iban": "NL20ADYB2017000035"
    },
    "id": "PI322LJ223222B5DJS7CD9LWL"
}
```

### Tab: US account number

Here is how you create an account number for a business account issued in the US.

**Create a US account number**

#### curl

```bash
curl https://balanceplatform-api-test.adyen.com/bcl/v2/paymentInstruments \
-H 'x-api-key: ADYEN_BALANCE_PLATFORM_API_KEY' \
-H 'content-type: application/json' \
-X POST  \
-d '{
    "type": "bankAccount",
    "description": "{hint:Your human-readable description for the business account}S.Hopper - Account in the US{/hint}",
    "balanceAccountId": "BA00000000000000000000001",
    "issuingCountryCode": "US"
}'
```

#### Java

```java
// Adyen Java API Library v33.0.0
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.balanceplatform.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.service.balancePlatform.*;

Client client = new Client("ADYEN_BALANCE_PLATFORM_API_KEY", Environment.TEST);

// Create the request object(s)
PaymentInstrumentInfo paymentInstrumentInfo = new PaymentInstrumentInfo()
  .balanceAccountId("BA00000000000000000000001")
  .description("S.Hopper - Account in the US")
  .type(PaymentInstrumentInfo.TypeEnum.BANKACCOUNT)
  .issuingCountryCode("US");

// Send the request
PaymentInstrumentsApi service = new PaymentInstrumentsApi(client);
PaymentInstrument response = service.createPaymentInstrument(paymentInstrumentInfo, null);
```

#### PHP

```php
<?php
// Adyen PHP API Library v24.0.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\BalancePlatform\PaymentInstrumentInfo;
use Adyen\Service\BalancePlatform\PaymentInstrumentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_BALANCE_PLATFORM_API_KEY");
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$paymentInstrumentInfo = new PaymentInstrumentInfo();
$paymentInstrumentInfo
  ->setBalanceAccountId("BA00000000000000000000001")
  ->setDescription("S.Hopper - Account in the US")
  ->setType("bankAccount")
  ->setIssuingCountryCode("US");

// Send the request
$service = new PaymentInstrumentsApi($client);
$response = $service->createPaymentInstrument($paymentInstrumentInfo);
```

#### C\#

```cs
// Adyen .net API Library v28.0.0
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.BalancePlatform;
using Adyen.Service.BalancePlatform;

var config = new Config()
{
    XApiKey = "ADYEN_BALANCE_PLATFORM_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
PaymentInstrumentInfo paymentInstrumentInfo = new PaymentInstrumentInfo
{
  BalanceAccountId = "BA00000000000000000000001",
  Description = "S.Hopper - Account in the US",
  Type = PaymentInstrumentInfo.TypeEnum.BankAccount,
  IssuingCountryCode = "US"
};

// Send the request
var service = new PaymentInstrumentsService(client);
var response = service.CreatePaymentInstrument(paymentInstrumentInfo);
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v23.3.0
const { Client, BalancePlatformAPI } = require('@adyen/api-library');

const client = new Client({ apiKey: "ADYEN_BALANCE_PLATFORM_API_KEY", environment: "TEST" });

// Create the request object(s)
const paymentInstrumentInfo = {
  type: "bankAccount",
  description: "S.Hopper - Account in the US",
  balanceAccountId: "BA00000000000000000000001",
  issuingCountryCode: "US"
}

// Send the request
const balancePlatformAPI = new BalancePlatformAPI(client);
const response = balancePlatformAPI.PaymentInstrumentsApi.createPaymentInstrument(paymentInstrumentInfo);
```

#### Go

```go
// Adyen Go API Library v17.0.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v17/src/common"
  "github.com/adyen/adyen-go-api-library/v17/src/adyen"
  "github.com/adyen/adyen-go-api-library/v17/src/balancePlatform"
)
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_BALANCE_PLATFORM_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
paymentInstrumentInfo := balancePlatform.PaymentInstrumentInfo{
  BalanceAccountId: "BA00000000000000000000001",
  Description: common.PtrString("S.Hopper - Account in the US"),
  Type: "bankAccount",
  IssuingCountryCode: "US",
}

// Send the request
service := client.BalancePlatform()
req := service.PaymentInstrumentsApi.CreatePaymentInstrumentInput().PaymentInstrumentInfo(paymentInstrumentInfo)
res, httpRes, err := service.PaymentInstrumentsApi.CreatePaymentInstrument(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v13.3.0
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_BALANCE_PLATFORM_API_KEY"
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "type": "bankAccount",
  "description": "S.Hopper - Account in the US",
  "balanceAccountId": "BA00000000000000000000001",
  "issuingCountryCode": "US"
}

# Send the request
result = adyen.balancePlatform.payment_instruments_api.create_payment_instrument(request=json_request)
```

#### Ruby

```rb
# Adyen Ruby API Library v10.1.1
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_BALANCE_PLATFORM_API_KEY'
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :type => 'bankAccount',
  :description => 'S.Hopper - Account in the US',
  :balanceAccountId => 'BA00000000000000000000001',
  :issuingCountryCode => 'US'
}

# Send the request
result = adyen.balancePlatform.payment_instruments_api.create_payment_instrument(request_body)
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v23.3.0
import { Client, BalancePlatformAPI, Types } from "@adyen/api-library";

const client = new Client({ apiKey: "ADYEN_BALANCE_PLATFORM_API_KEY", environment: "TEST" });

// Create the request object(s)
const paymentInstrumentInfo: Types.balancePlatform.PaymentInstrumentInfo = {
  balanceAccountId: "BA00000000000000000000001",
  description: "S.Hopper - Account in the US",
  type: Types.balancePlatform.PaymentInstrumentInfo.TypeEnum.BankAccount,
  issuingCountryCode: "US"
};

// Send the request
const balancePlatformAPI = new BalancePlatformAPI(client);
const response = balancePlatformAPI.PaymentInstrumentsApi.createPaymentInstrument(paymentInstrumentInfo);
```

The response returns the **paymentInstrument** resource, identified by its unique `id`. You also receive the `bankAccount` details that the account holder can use when sending funds to their business account.

**Response**

```json
{
    "balanceAccountId": "BA00000000000000000000001",
    "issuingCountryCode": "US",
    "status": "Active",
    "type": "bankAccount",
    "bankAccount": {
        "accountNumber": "333720756",
        "routingNumber": "21000021",
        "accountType": "checking"
 	},
    "id": "PI322LJ223222B5DJS7CD9LWL"
}
```

## Get payment instruments

To find the existing business account number related to a specified balance account, make a GET [/balanceAccounts/{id}/paymentInstruments](https://docs.adyen.com/api-explorer/balanceplatform/latest/get/balanceAccounts/\(id\)/paymentInstruments) request and specify the balance account `id` in the path.