--- title: "Payouts to cards" description: "Learn how to save your account holder's card details and make a payout." url: "https://docs.adyen.com/classic-platforms/payouts/manual-payout/payout-to-cards" source_url: "https://docs.adyen.com/classic-platforms/payouts/manual-payout/payout-to-cards.md" canonical: "https://docs.adyen.com/classic-platforms/payouts/manual-payout/payout-to-cards" last_modified: "2021-02-18T15:12:00+01:00" language: "en" --- # Payouts to cards Learn how to save your account holder's card details and make a payout. [View source](/classic-platforms/payouts/manual-payout/payout-to-cards.md) This page is for classic Adyen for Platforms integrations. If you are just starting your implementation, refer to our [new integration guide](/adyen-for-platforms-model) instead. Aside from paying out to bank accounts, you also have the option to send payouts to eligible Mastercard and Visa debit cards. This feature is available in [Fund API](https://docs.adyen.com/api-explorer/#/Fund/v6/overview) version 5 and later. When paying out to cards, the funds arrive to the cardholder within 30 minutes and there is no dependency on bank cutoffs. ## Requirements Contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to enable card payouts for your platform. ## Step 1: Check if the card is eligible for payouts and save the card details 1. Submit a POST [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request with your account holder's card details and the following parameters: * [merchantAccount](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-merchantAccount): Your merchant account. * [shopperReference](https://docs.adyen.com/api-explorer/Payment/latest/post/authorise#request-shopperReference): Your unique account holder reference (minimum length three characters). * [enablePayOut](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-enablePayOut): Indicates if the card details should be stored for payouts. Set this to **true**. * [paymentMethod](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-paymentMethod): Object containing your account holder's card details. You can only pass raw card data if you are [fully PCI compliant](/get-started-with-adyen/adyen-glossary/#pci-compliance). Otherwise, use our [Card Component](/payment-methods/cards/custom-card-integration) to securely collect and encrypt your account holder's card details. **Submit a zero-value payment request** ```json { "{hint:Your account holder's card details}paymentMethod{/hint}": { "type": "scheme", "number": "4111111111111111", "expiryMonth": "3", "expiryYear": "2030", "cvc": "737", "holderName": "John Smith" }, "amount": { "value": 0, "currency": "EUR" }, "{hint:Your unique reference for this account holder, minimum length 3}shopperReference{/hint}": "YOUR_UNIQUE_SUBMERCHANT_ID_IOfW3k9G2PvXFu2j", "enablePayOut": true, "reference": "YOUR_TRANSACTION_REFERENCE", "{hint:Your merchant account}merchantAccount{/hint}": "YOUR_MERCHANT_ACCOUNT" } ``` **Response** ```json { "additionalData": { "{hint: Use this when creating a payout method in step 2}recurring.recurringDetailReference{/hint}": "8315659584588245", "recurring.shopperReference": "YOUR_UNIQUE_SUBMERCHANT_ID_IOfW3k9G2PvXFu2j", "merchantReference": "YOUR_TRANSACTION_REFERENCE", "{hint: If value is I, this means that the card is eligible for instant payouts}fundsAvailability{/hint}": "I", "{hint: Indicates if this card is eligible for payouts}payoutEligible{/hint}": "Y" }, "pspReference": "881566214605773J", "resultCode": "Authorised" } ``` If you are using the [classic integration](/online-payments/classic-integrations/classic-api-integration#authorise-request), include [recurring.contract](https://docs.adyen.com/api-explorer/Payment/latest/post/authorise#request-recurring-contract) **PAYOUT** in your request. 2. Check the [payoutEligible](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#responses-200-additionalData-ResponseAdditionalDataCommon-payoutEligible) parameter in the response. The value should be either: * **Y**: Eligible for payout. For Mastercard, this means that the card is eligible for both domestic and cross-border payouts. * **D**: Applies only to Mastercard. Card is eligible only for domestic payouts. If you receive an **N** or **U**, the card cannot be used for payouts. 3. If the card is eligible for payouts, get the `recurring.recurringDetailReference` from the response. This is your account holder's tokenized card details. You will need this value when adding the new payout method and for submitting future payout requests. ## Step 2: Add card as a payout method 1. Submit a POST [/updateAccountHolder](https://docs.adyen.com/api-explorer/#/Account/updateAccountHolder) request with the following parameters: * [shopperReference](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-shopperReference): Your unique account holder reference. The minimum length is three characters. * [recurringDetailReference](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#responses-200-additionalData-ResponseAdditionalDataCommon-recurring-recurringDetailReference): This is the `recurring.recurringDetailReference` returned in the response in [Step 1](#check-and-store). **Update account holder request** ```json { "accountHolderCode" : "4a55294d-7841-484d", "accountHolderDetails" : { "payoutMethods" : [ { "merchantAccount" : "YOUR_MERCHANT_ACCOUNT", "recurringDetailReference" : "8315659584588245", "shopperReference" : "YOUR_UNIQUE_SELLER_ID_IOfW3k9G2PvXFu2j" } ], ... } } ``` **Response** ```json { "invalidFields" : [], "pspReference" : "9915402175055353", "accountHolderCode" : "4a55294d-7841-484d", "accountHolderDetails" : { ... "payoutMethods" : [ { "merchantAccount" : "YOUR_MERCHANT_ACCOUNT", "payoutMethodCode": "4a55294d-7841-484d-be06-2e6e9cac824f", "recurringDetailReference" : "9915402174902084", "shopperReference" : "YOUR_UNIQUE_SELLER_ID_IOfW3k9G2PvXFu2j" } ], ... } } ``` You receive a response that might contain any of the following status codes: * **HTTP 200**: You can use the information returned in API response, such as the `payoutMethodCode`, but wait for the [ACCOUNT\_HOLDER\_UPDATED](https://docs.adyen.com/api-explorer/Notification/latest/post/ACCOUNT_HOLDER_UPDATED) notification before performing any business logic. The notification confirms when the new payout method has been added in our central database. * **HTTP 202**: The request has been acknowledged and added to the queue. Use the response to check and confirm the changes you made. Wait for the [ACCOUNT\_HOLDER\_UPDATED](https://docs.adyen.com/api-explorer/Notification/latest/post/ACCOUNT_HOLDER_UPDATED) notification to confirm if the new payout method has been successfully added. Get the corresponding `payoutMethodCode` from the notification. ## Step 3: Submit a card payout 1. Submit a POST [/payoutAccountHolder](https://docs.adyen.com/api-explorer/Fund/latest/post/payoutAccountHolder) using the `payoutMethodCode` returned in the response or notification in [Step 2](#add-card-payout). **Submit a payout to the card** ```json { "accountCode" : "9915402177165382", "accountHolderCode" : "4a55294d-7841-484d", "amount" : { "currency" : "USD", "value" : 1000 }, "description" : "YOUR_DESCRIPTION", "merchantReference" : "YOUR_PAYOUT_REFERENCE", "payoutMethodCode" : "4a55294d-7841-484d-be06-2e6e9cac824f" } ``` **Response** ```json { "invalidFields" : [], "merchantReference": "YOUR_PAYOUT_REFERENCE", "pspReference" : "9915402175055353", "resultCode": "Received" } ``` 2. Wait for the [ACCOUNT\_HOLDER\_PAYOUT](https://docs.adyen.com/api-explorer/Notification/latest/post/ACCOUNT_HOLDER_PAYOUT) notification to confirm the status of the payout.\ For more information, see [Payout notifications](/classic-platforms/payouts/payout-notifications). ## See also * [Scheduled payouts](/classic-platforms/payouts/scheduled-payout) * [Manual payouts](/classic-platforms/payouts/manual-payout) * [Verification process](/classic-platforms/verification-process) * [Payout notifications](/classic-platforms/payouts/payout-notifications)