Pay out to third parties

Account holders that have a sendToThirdParty capability can make business-related fund transfers to third parties, such as their suppliers or providers.

Third-party accounts are accounts not owned by your user and therefore not connected to their legal entity as a transfer instrument. Currently, Adyen only supports sending funds to third-party bank accounts. In the future, you will be able to send to third-party wallets and cards.

Before you begin

Before your user can send funds to third parties, you must:

• Reach out to your Adyen contact to:
  • Add an additional role for your API credential.
  • Enable transfers for the source balance account.
• Make sure that the account holder has a sendToThirdParty capability.
• Implement Adyen's Authentication SDK for transfers in the European Economic Area (EEA).

Send funds to third parties

When sending funds to third-party bank accounts, the required bank account details depend on bank identification type. There are also additional required fields if you're doing a cross-border transfer.

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

Parameter name	Required	Description
balanceAccountId		The ID of the balance account from which funds are deducted.
category		Set to bank.
counterparty.bankAccount		Contains details about the bank account and its owner. The accountHolder.fullName is always required. For cross-border transfers, the accountHolder.address object is also required. The accountIdentification is required. The fields that you need to send in this object are determined by the accountIdentification.type. See bank account identification types.
priority		The priority of the bank transfer, which affects the speed of the transfer and the fees you have to pay. The possible values are regular, fast, or wire. For cross-border transfers, set the priority to wire.
description		Your description for the transfer.
reference		Your reference for the transfer. This is only used within your platform and not sent to the recipient. If you don't provide this in the request, Adyen generates a unique reference.
referenceForBeneficiary		Your reference for the transfer that Adyen sends to the recipient.

Select a tab below for examples.

curl https://balanceplatform-api-test.adyen.com/btl/v3/transfers \
-H "content-type: application/json" \
-H "X-API-Key: YOUR_API_KEY" \
-X POST \
-d '{
    "amount": {
      "currency": "EUR",
      "value": 150000
    },
    "category": "bank",
    "priority": "regular",
    "balanceAccountId": "BAB8B2C3D4E5F6G7H8D9J6GD4",
    "counterparty": {
      "bankAccount": {
        "accountHolder": {
          "fullName": "A. Klaassen"
        },
        "accountIdentification": {
          "type": "iban",
          "iban": "NL91ABNA0417164300"
        }
      }
    },
    "referenceForBeneficiary": "YOUR_REFERENCE_SENT_TO_THE_BENEFICIARY",
    "reference": "YOUR_INTERNAL_REFERENCE",
    "description": "YOUR_DESCRIPTION"
  }'

curl https://balanceplatform-api-test.adyen.com/btl/v3/transfers \
-H "content-type: application/json" \
-H "X-API-Key: YOUR_API_KEY" \
-X POST \
-d '{
    "amount": {
      "value": 10000,
      "currency": "USD"
    },
    "balanceAccountId": "BAB8B2C3D4E5F6G7H8D9J6GD4",
    "category": "bank",
    "counterparty": {
      "bankAccount": {
        "accountHolder": {
          "fullName": "A. Klaassen"
        },
        "accountIdentification": {
          "type": "usLocal",
          "accountNumber": "123456789",
          "routingNumber": "011000138"
        }
      }
    },
    "priority": "regular",
    "referenceForBeneficiary": "YOUR_REFERENCE_SENT_TO_BENEFICIARY",
    "reference": "YOUR_INTERNAL_REFERENCE",
    "description": "YOUR_DESCRIPTION_FOR_THE_TRANSFER"
 }'

curl https://balanceplatform-api-test.adyen.com/btl/v3/transfers \
-H "content-type: application/json" \
-H "X-API-Key: YOUR_API_KEY" \
-X POST \
-d '{
    "amount": {
      "value": 150000,
      "currency": "EUR"
    },
    "balanceAccountId": "BAB8B2C3D4E5F6G7H8D9J6GD4",
    "category": "bank",
    "counterparty": {
      "bankAccount": {
        "accountHolder": {
          "fullName": "A. Klaassen",
          "address": {
            "city": "San Francisco",
            "country": "US",
            "postalCode": "94678",
            "stateOrProvince": "CA",
            "street": "Brannan Street",
            "street2": "274"
          }
        },
        "accountIdentification": {
          "type": "numberBic",
          "accountNumber": "123456789",
          "bic": "BOFAUS3NXXX"
        }
      }
    },
    "priority": "wire",
    "referenceForBeneficiary": "YOUR_REFERENCE_SENT_TO_BENEFICIARY",
    "reference": "YOUR_INTERNAL_REFERENCE",
    "description": "YOUR_DESCRIPTION_FOR_THE_TRANSFER"
 }'

If the transfer request is successful, you receive an HTTP 200 OK response containing an id of the transfer request. Adyen informs your server of the status of the transfer through webhooks.

Bank account identification types

When transferring funds to a third-party bank account, you need to provide the accountIdentification.type in your API request. The type also determines the required bank account details.

1. To determine the accountIdentification.type value, you must have:
   • The country of the recipient bank account.
   • The currency of the funds you are transferring.

2. Find the combination in the table below and select the type to see the required fields.

This combination also identifies if you are doing a local or cross-border transfer. Cross-border transfers must be sent as wire transfers, and you must include the address of the bank account owner.

Required fields

The table below shows the required fields that you need to send in the accountIdentification object based on the type.