The funds in your balance accounts usually come from internal funds transfers or acquired payments. However, you can also increase the balance in these accounts by setting up recurring top-ups. A recurring top-up triggers outgoing direct debit requests to a bank account, based on the trigger settings you configure. This results in an incoming transfer of funds that increases the account balance.
Use cases
- Maintain sufficient liquidity in pre-funded card programs for outgoing transactions, such as for supplier payments.
- Ensure balance accounts have enough funds for active Adyen-issued cards to function, for example in expense management.
Top-up amount
When you create a recurring top-up, you must determine the amount that is credited to the balance account. You can either configure a fixed amount or a target amount.
- Fixed amount: you can configure a recurring, fixed value for the top-up amount.
- Target amount: you can configure a target amount, which is the amount of available balance you want the account to maintain. When a top-up is triggered, we increase the available balance to match the configured target amount.
Top-up trigger
When you create a recurring top-up, you must specify the parameters that trigger top-ups to the linked balance account. You determine these criteria by using both of the following fields:
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trigger.schedule: You can configure a top-up schedule, which determines the frequency at which we check the available balance on the balance account. Possible values for schedule are:- weekdays: We check the schedule daily from Monday to Friday at 07:00 AM, based on the timezone of the balance account.
- weekly: We check the schedule weekly on Monday at 07:00 AM, based on the timezone of the balance account.
- monthly: We check the schedule on the 1st of every month at 07:00 AM, based on the timezone of the balance account.
- null (default): We continuously check the available balance and respond immediately if the balance goes below the
trigger.threshold. This is the default value we set if you do not specifytrigger.schedulein your request.
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trigger.threshold: You can configure a threshold amount for the available balance on the balance account. This is the minimum balance you would like to have on that account. Adyen checks the balance account at regular intervals, which you configure using thescheduleparameter. During the check, if the available balance drops below the threshold, we trigger a top-up.
Top-up source
When creating a recurring top-up, you must determine the source for the funds. In your API requests, this is represented by the transferInstrumentId.
To view your Transfer Instrument details:
- Log in to the Customer Area.
- Navigate to Accounts & balances > Account holders.
- Select the specific Account holder.
- Go to the Overview tab and select Transfer instruments.
- Copy the ID associated with the instrument you wish to use.
If no transfer instrument is listed, contact your Adyen point of contact for setup.
How it works
After you create a recurring top-up for a balance account, the process flows as follows:
- According to the schedule you configured, Adyen checks the available balance on the balance account.
- If the available balance is below the threshold amount you configured, we trigger a top-up. This means that we create an outgoing direct debit request to pull funds into the balance account.
- The top-up initiates an incoming transfer of funds that increases the balance in the balance account. The amount of increase depends on the top-up amount you configured.