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Manage funds

Add funds to balance accounts.

Before a cardholder can use their card to make a payment, the balance account associated with the card needs to have funds.

You can get funds into their balance account by:

Funding your liable account

You can fund your liable balance account, and from there you can transfer funds to your users' balance accounts.
To find out how you can deposit funds into your liable balance account, reach out to your Adyen contact.

Transfer funds between balance accounts

Before you can transfer funds, you need to have permissions assigned to your API credential and to the source balance account. Reach out to your Adyen contact to get the required permissions.

You can transfer funds between different user's balance accounts, or between your user's and your own liable balance account.

To transfer funds, make a POST /transfers request specifying:

Parameter Required Description
source.balanceAccountId -white_check_mark- Specify the ID of the balance account where you want to transfer the funds from.
destination.balanceAccountId -white_check_mark- Specify the ID of the balance account where you want to transfer funds to.
amount -white_check_mark- The currency and value (in minor units).
description -white_check_mark- Your unique description for this transfer.
reference -white_check_mark- Your unique reference for this transfer.

Here's an example of how you can transfer 100 EUR from one balance account to another:

Create a transfer
curl \
-H "content-type: application/json" \
-d '{
    "source": {
        "balanceAccountId": "BA32272223211C78CZ3T52DKZ"
    "destination": {
        "balanceAccountId": "BA32272223222B5LPRFDW7J9G"
    "amount": {
        "value": 10000,
        "currency": "EUR"
    "reference": "YOUR_UNIQUE_REFERENCE",
    "description": "YOUR_UNIQUE_DESCRIPTION"

The response contains the result of the transfer.

    "id": "1W1UG35OTDG7U2X6",
    "resultCode": "Authorised"

Split payments

You can fund balance accounts by processing payments, and splitting the payment in any number of ways among any number of balance accounts.

To split a payment, provide split data in your POST /payments request:

  • splits: Array of split objects.

    • amount: The amount to be added to the balance account.
    • type: Specify if the split is for VAT, Commission, or BalanceAccount.
    • account: The balanceAccounts.Id you want to send the funds to. Only required when type is BalanceAccount.
    • reference: Your unique identifier for the split. You will need this reference when performing refunds.

For example, split a 150.00 USD payment with 3.00 USD going to your liable balance account as commission, and 147.00 USD going to your user's balance account, BAA1B2C3D4E5F6G7H8I9J0.

Split a payment
curl \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
      "number":"4400 0000 0000 0008",
      "holderName":"John Smith",