Manage bank account details

Learn how to securely process the details of third-party bank accounts.

This page explains how to manage bank account details for third-party payouts. It covers how to securely store bank account details, allowing you to process bank account transfers efficiently.

Tokenization for payouts

Adyen's tokenization service lets you process payouts to your counterparties using tokenized bank account details. A token is a unique reference for a third party's bank account details, which helps you minimize security risks, simplify data management, and streamline recurring payouts to known recipients.

Requirements

Before you begin, take into account the following requirements, limitations, and preparations.

Requirement	Description
Integration type	An Adyen payout service integration and our Checkout API for tokenization.
API credentials	Your company (ws@Company.[YourCompanyAccount]) has the following role to use with the Checkout API: Checkout encrypted cardholder data
Webhooks	Your server must be able to receive and accept webhooks.
Limitations	Take the following limitations into account: You cannot use local account details for cross-border transfers. When tokenizing bank details for cross-border payouts, you must use a format that supports them, such as NumberAndBicAccountIdentification. The tokenization service does not validate bank accounts when creating a token. Invalid details may lead to failed payouts later.
Setup steps	Reach out to your Adyen contact to enable the feature on your account.

Supported countries/regions

Adyen currently supports payouts to tokenized local bank account details in the following regions:

Europe

IBANs (SEPA Direct Debit)
UK Local (BACS)

North America

US Local (ACH)

Store bank account details

To tokenize and store bank account details:

Make a POST /payments request, specifying the following parameters:

Request parameter	Required	Description
amount.currency		Set to the currency that is applicable to the bank account.
amount.value		Set to 0 (zero) to combine with a zero-auth payment.
paymentMethod		Set to one of the following: sepadirectdebit: SEPA Direct Debit ukLocal: UK Local usLocal: US Local
billingAddress		An object that contains the address details of the bank account.
enablePayOut		Set to true.
merchantAccount		The identifier of your merchant account.
recurringProcessingModel		Set to Subscription.
reference		Your unique reference to identify the payment request.
returnUrl		The return URL to redirect the bank account holder after the payment process.
shopperReference		Your unique reference to identify the bank account holder.
storePaymentMethod		Set to true.

The following tab shows an example of a zero-auth payment request combined with creating a token for the bank account details.

The token is created after a successful payment authorization. This ensures that the payment details are linked to an active, chargeable account.

Find the token in the storedPaymentMethodId parameter. You can locate it in either of these places:
- In the successful authorization response, under additionalData.tokenization.storedPaymentMethodId.
- In the recurring.token.created webhook.
The following tab shows an example for an authorized payment response that includes the token.
In your system, store the following parameters together, so that the token is associated with the bank account holder:
- additionalData.tokenization.shopperReference
- additionalData.tokenization.storedPaymentMethodId
You must provide these values when making a bank account payout request.

Next steps

Make a bank account payout request

Pay out your funds to a third-party bank account using the Transfers API.