Instant payouts

Adyen also supports paying out instantly, which removes the 4-eye requirement and immediately returns the result of the payout attempt. Instant payouts are currently only supported for Visa and Mastercard cards.


With one /payout call, you can pay out to your customers, and funds will be made available within 30 minutes on the cardholder’s bank account (this is dependent on whether the issuer supports this functionality).

Using instant payouts requires additional approval and configuration on our end. To enable this functionality, contact our Support Team.

There are two main use cases for Instant payouts:

  • P2P Money Transfer: merchant facilitates the transfer of money between two individuals.
  • B2C Disbursements: merchant pays out to its sellers, customers, freelancers, etc.

These two use cases require different fields to be submitted in the payout request, please see examples below.

For a list of supported countries for instant payouts, refer to Third-party payouts.

Peer-to-peer payouts

The example below demonstrates how to send the peer-to-peer payout. Submit this request to the /payout endpoint.

Request

{
   "amount":{
      "value":2500,
      "currency":"USD"
   },
   "card":{
      "number":"4111111111111111",
      "expiryMonth":"8",
      "expiryYear":"2018",
      "holderName":"John Smith"
   },
   "fundSource":{
      "additionalData":{
         "fundingSource":"DEBIT"
      },
      "billingAddress":{
         "country":"US",
         "postalCode":"90210",
         "city":"Beverly Hills"
      },
      "card":{
         "expiryMonth":"10",
         "expiryYear":"2020",
         "holderName":"Payer Name",
         "number":"4400000000000008"
      },
      "shopperName":{
         "firstName":"Payer",
         "lastName":"Name"
      }
   },
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
   "reference":"P9999999999999999",
   "shopperName":{
      "firstName":"John",
      "lastName":"Smith"
   },
   "shopperStatement":"Payer Name",
   "dateOfBirth":"1990-01-01",
   "nationality":"NL"
} 
<payout>
  <request xsi:type="PayoutRequest">
    <amount>
      <value>2500</value>
      <currency>USD</currency>
    </amount>
    <card>
      <number>4111111111111111</number>
      <expiryMonth>8</expiryMonth>
      <expiryYear>2018</expiryYear>
      <holderName>John Smith</holderName>
    </card>
    <fundSource>
      <additionalData>
        <entry>
          <key>fundingSource</key>
          <value>DEBIT</value>
        </entry>
      </additionalData>
      <billingAddress>
        <country>US</country>
        <postalCode>90210</postalCode>
        <city>Beverly Hills</city>
      </billingAddress>
      <card>
        <expiryMonth>10</expiryMonth>
        <expiryYear>2020</expiryYear>
        <holderName>Payer Name</holderName>
        <number>4400000000000008</number>
      </card>
      <shopperName>
        <firstName>Payer</firstName>
        <lastName>Name</lastName>
      </shopperName>
    </fundSource>
    <merchantAccount>YOUR_MERCHANT_ACCOUNT</merchantAccount>
    <reference>P9999999999999999</reference>
    <shopperName>
      <firstName>John</firstName>
      <lastName>Smith</lastName>
    </shopperName>
    <shopperStatement>Payer Name</shopperStatement>
    <dateOfBirth>1990-01-01</dateOfBirth>
    <nationality>NL</nationality>
  </request>
</payout> 

Response

{
   "pspReference":"8814689190961342",
   "resultCode":"Authorised",
   "authCode":"83152"
} 
<?xml version="1.0" encoding="UTF-16"?>
<SOAP-ENV:Envelope
    xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
    xmlns:ns3="http://payout.services.adyen.com"
    xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <SOAP-ENV:Body>
        <ns3:payoutResponse>
            <ns3:response>
                <ns3:pspReference>8814689190961342</ns3:pspReference>
                <ns3:resultCode>Authorised</ns3:resultCode>
                <ns3:authCode>83152</ns3:authCode>
            </ns3:response>
        </ns3:payoutResponse>
    </SOAP-ENV:Body>
</SOAP-ENV:Envelope>

Business-to-consumer payout

The example below demonstrates how to send the business-to-consumer payout. Submit this request to the /payout endpoint.

Request

{
   "amount":{
      "value":2500,
      "currency":"USD"
   },
   "card":{
      "number":"4111111111111111",
      "expiryMonth":"8",
      "expiryYear":"2018",
      "holderName":"John Smith"
   },
   "merchantAccount":"YOUR_MERCHANT_ACCOUNT",
   "reference":"P9999999999999999",
   "shopperName":{
      "firstName":"John",
      "lastName":"Smith"
   },
   "dateOfBirth":"1990-01-01",
   "nationality":"NL"
}
<payout>
  <request xsi:type="PayoutRequest">
    <amount>
      <value>2500</value>
      <currency>USD</currency>
    </amount>
    <card>
      <number>4111111111111111</number>
      <expiryMonth>8</expiryMonth>
      <expiryYear>2018</expiryYear>
      <holderName>John Smith</holderName>
    </card>   
    <merchantAccount>YOUR_MERCHANT_ACCOUNT</merchantAccount>
    <reference>P9999999999999999</reference>
    <shopperName>
      <firstName>John</firstName>
      <lastName>Smith</lastName>
    </shopperName>
    <dateOfBirth>1990-01-01</dateOfBirth>
    <nationality>NL</nationality>
  </request>
</payout>

Response

{
   "pspReference":"8814689190961342",
   "resultCode":"Authorised",
   "authCode":"83152"
} 
<?xml version="1.0" encoding="UTF-16"?>
<SOAP-ENV:Envelope
    xmlns:SOAP-ENV="http://schemas.xmlsoap.org/soap/envelope/"
    xmlns:ns3="http://payout.services.adyen.com"
    xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
    <SOAP-ENV:Body>
        <ns3:payoutResponse>
            <ns3:response>
                <ns3:pspReference>8814689190961342</ns3:pspReference>
                <ns3:resultCode>Authorised</ns3:resultCode>
                <ns3:authCode>83152</ns3:authCode>
            </ns3:response>
        </ns3:payoutResponse>
    </SOAP-ENV:Body>
</SOAP-ENV:Envelope>