Instant card funding

Instant card funding lets you process transactions for a shopper moving money from a card to another card, digital wallet or bank account. Adyen supports instant card funding transactions for Visa and Mastercard. Possible use cases include:

Top-up

A shopper loading or topping up their prepaid cards.
A shopper moving funds into another of their financial accounts such as a savings deposit account or retirement account.
A shopper loading their third-party digital wallet.

Person to person money transfer

A funding source for person to person money transfers.

If this is your use case, you must send an instant card payout after an instant card funding transaction to ensure the funds reach the receiver.

Enable instant card funding

Step 1: Compliance

To enable instant card funding, you must submit compliance documents to Adyen. You must also specify your use case and fulfill compliance requirements for the card scheme. Contact your Account Manager to discuss the requirements.

Step 2: Configuration

When you have completed the compliance processes, contact our Support Team to enable instant card funding.

Process an instant card funding transaction

To process transactions for instant card funding, you must send some additional data fields in your /payments request to indicate who is sending the funds and, if applicable, who is receiving them. The data you submit in your requests must meet our requirements to pass our data validation checks.

Field	Required	Description
`fundOrigin.shopperName`		The name of the sender. If you are sending the name in your request using the shopperName field, you do not need to send it again in the `fundOrigin` object.
`fundOrigin.billingAddress`		The address of the sender. If you are sending the address in your request using the billingAddress field, you do not need to send it again in the `fundOrigin` object.
`fundOrigin.shopperEmail`		The email of the sender.
`fundOrigin.telephoneNumber`		The phone number of the sender.
`fundRecipient.walletIdentifier`		Your unique identifier for the wallet or account the funds are being transferred to. You can use the shopper reference or any other identifier.

Instant card funding /payments requests sent without this data can be refused.

/payments request to top up a wallet from a card

 {
  "paymentMethod": {
    "type": "scheme",
    "number": "4111111111111111",
    "expiryMonth": "03",
    "expiryYear": "2030",
    "holderName": "John Smith",
    "cvc": "737"
  },
  "amount": {
    "value": 200,
    "currency": "EUR"
  },
  "reference": "MERCHANT_REFERENCE",
  "merchantAccount": "MERCHANT_ACCOUNT",
  "fundOrigin": {
    "shopperName": {
      "firstName": "John",
      "lastName": "Smith"
    },
    "billingAddress": {
      "country":"NL",
      "city":"Amsterdam",
      "street":"Simon Carmiggeltstraat",
      "houseNumberOrName":"1"
    },
    "shopperEmail": "john.smith@email.com",
    "telephoneNumber": "0612345678"
  },
  "fundRecipient": {
    "walletIdentifier": "1234ABC"
  }
}

Data validation

We perform additional validations when facilitating money transfers between different entities, and decline transactions where the data provided does not meet our requirements.

Only ASCII characters are supported.
The shopperName, and billingAddress fields values can not:
- Consist only of spaces, symbols, numbers.
- Include emojis.
- Be N/A, or null.
The shopperName, and billingAddress fields can only contain the following special characters: ,, ., ;, :, -, —, /, \, +, &, !, ?, @, (, ), ", '.
The shopperName can not be a common placeholder name, like John Doe.
The combined number of characters for the firstName and lastName fields in the shopperName can not be less than 3.
The billingAddress.street field can not consist of less than 3 characters.
The different fields in the billingAddress can not have the same value.

Partial authorization

Partial authorizations enable you to request an authorization for shopper's available balance when the requested amount is higher than the shopper's balance. We recommend to enable partial authorizations for online payouts to avoid failures when a shopper has insufficient funds, and increase authorization rates.