When you create an Adyen business bank account for your users, you generate a business bank account number linked to their balance account. Your users can share their business bank account number with third parties so they can receive business-related payments or fund transfers.
Before you begin
Before you can create business bank accounts for your users, check if you meet the requirements for business bank accounts.
Additionally, make sure that your users have:
- A legal entity and business line, containing information required for verification checks.
- An account holder and a balance account.
- Completed the verification checks for business bank accounts and have the issueBankAccount capability 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 bank accounts—are resources that account holders can use externally to transact with their balance account. Creating a business bank account payment instrument generates a business bank account number, such as an IBAN.
To create a business bank account payment instrument, make a POST /paymentInstruments call specifying:
| Parameter name | Required | Description |
|---|---|---|
| balanceAccountId |  |
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 | |
The two-letter country code where the business bank 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 | |
Set to bankAccount. |
| description | Your description for the business bank account, which you can use to store useful information for your staff. | |
| reference | Your reference for the business bank account, which you can map to your internal systems. |
Here is how you create an IBAN for a business bank account issued in the Netherlands.
curl https://balanceplatform-api-test.adyen.com/bcl/v2/paymentInstruments \
-H "X-API-Key: YOUR_API_KEY" \
-H "content-type: application/json" \
-X POST \
-d '{
"type": "bankAccount",
"description": "{hint:Your human-readable description for the business bank account}S.Hopper - Bank account in NL{/hint}",
"balanceAccountId": "BA00000000000000000000001",
"issuingCountryCode": "NL"
}'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 bank account.
Get payment instruments
To find the existing business bank account number related to a specified balance account, make a GET /balanceAccounts/{id}/paymentInstruments request and specify the balance account id in the path.