While the funds in users' balance accounts usually come from processing payments, you can also let them automatically top up their accounts. By configuring pull sweeps, you can automate pulling in funds from their verified bank account (transfer instrument) based on a pre-defined amount and source.
Topping up funds in balance accounts is useful when:
- Covering for possible negative balances, caused by refunds and chargebacks.
- Debiting costs from bank accounts when users' balance account has insufficient funds.
Topping up funds is supported for account holders with bank accounts in the EU, the UK, and the US. The direct debit transactions are processed over corresponding standard debit rails of Single Euro Payments Area (SEPA), Bankers' Automated Clearing Services (BACS), and Automated Clearing House (ACH) network.
How sweeps work
Sweeps are configured on a balance account. The configuration includes the type of the sweep and conditions, such as the schedule when the sweep is evaluated, or a trigger amount. The type dictates the direction of funds. For automated top-ups, the direction is set to pull to pull funds in to the balance account from a transfer instrument that you specify.
You can also set sweep conditions, such as:
- Maintain a certain amount on the balance account.
- Set an amount that triggers the sweep.
When the conditions for the pull sweep are met, it triggers a direct debit request from a transfer instrument. Adyen sends webhooks to your server when an incoming transfer results from a sweep.