---
title: "Manage bank account details"
description: "Learn how to securely process the details of third-party bank accounts."
url: "https://docs.adyen.com/payouts/payout-service/pay-out-to-bank-accounts/manage-bank-details"
source_url: "https://docs.adyen.com/payouts/payout-service/pay-out-to-bank-accounts/manage-bank-details.md"
canonical: "https://docs.adyen.com/payouts/payout-service/pay-out-to-bank-accounts/manage-bank-details"
last_modified: "2023-11-30T12:07:00+01:00"
language: "en"
---

# Manage bank account details

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

[View source](/payouts/payout-service/pay-out-to-bank-accounts/manage-bank-details.md)

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

## Tokenization for payouts

Adyen's [tokenization](/online-payments/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](/payouts/payout-service/integration-checklist/) and our [Checkout API](https://docs.adyen.com/api-explorer/Checkout/latest/overview) for tokenization.                                                                                                                                                                                                                                                                                                                                                                   |
| **[API credentials](/development-resources/api-credentials)** | Your company (**ws\@Company.\[YourCompanyAccount]**) has the following [role](/development-resources/api-credentials/roles) to use with the [Checkout API](https://docs.adyen.com/api-explorer/Checkout/latest/overview): - **Checkout encrypted cardholder data**                                                                                                                                                                                                                                                                                             |
| **[Webhooks](/development-resources/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](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-bankAccount-accountIdentification-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:

1. Make a POST [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request, specifying the following parameters:

   | Request parameter                                                                                                              | Required                                                                                    | Description                                                                                                          |
   | ------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------- |
   | [amount.currency](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-amount-currency)                   | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Set to the [currency](/development-resources/currency-codes/#currency-codes) that is applicable to the bank account. |
   | [amount.value](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-amount-value)                         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Set to **0** (zero) to combine with a zero-auth payment.                                                             |
   | [paymentMethod](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-paymentMethod)                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Set to one of the following:- **sepadirectdebit**: SEPA Direct Debit
   - **ukLocal**: UK Local
   - **usLocal**: US Local |
   | [billingAddress](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-billingAddress)                     | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | An object that contains the address details of the bank account.                                                     |
   | [enablePayOut](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-enablePayOut)                         | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Set to **true**.                                                                                                     |
   | [merchantAccount](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-merchantAccount)                   | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The identifier of your merchant account.                                                                             |
   | [recurringProcessingModel](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-recurringProcessingModel) | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Set to **Subscription**.                                                                                             |
   | [reference](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-reference)                               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Your unique reference to identify the payment request.                                                               |
   | [returnUrl](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-returnUrl)                               | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | The return URL to redirect the bank account holder after the payment process.                                        |
   | [shopperReference](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-shopperReference)                 | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Your unique reference to identify the bank account holder.                                                           |
   | [storePaymentMethod](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-storePaymentMethod)             | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | Set to **true**.                                                                                                     |

   The following code sample shows a zero-auth payment request that creates a token for bank account details.

   **Tokenization request with raw data**

   #### curl

   ```bash
   curl https://checkout-test.adyen.com/v72/payments \
   -H 'x-api-key: ADYEN_API_KEY' \
   -H 'content-type: application/json' \
   -X POST \
   -d '{
         "amount": {
           "value": 0,
           "currency": "EUR"
         },
         "paymentMethod": {
           "type": "sepadirectdebit",
           "iban": "The IBAN of the bank account",
           "ownerName": "The owner of the bank account"
         },
         "billingAddress": {
           "houseNumberOrName": "1",
           "street": "Admiralenstraat",
           "city": "Amsterdam",
           "country": "NL",
           "postalCode": "1000AA"
         },
         "enablePayOut": true,
         "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
         "reference": "A reference for the payment request",
         "returnUrl": "https://your-company.example.com/...",
         "recurringProcessingModel": "Subscription",
         "shopperReference": "A reference for the bank account holder",
         "storePaymentMethod": true
       }'
   ```

   #### Java

   ```java
   // Adyen Java API Library v39.4.0
   import com.adyen.Client;
   import com.adyen.enums.Environment;
   import com.adyen.model.checkout.*;
   import java.time.OffsetDateTime;
   import java.util.*;
   import com.adyen.model.RequestOptions;
   import com.adyen.service.checkout.*;

   // For the LIVE environment, also include your liveEndpointUrlPrefix.
   Client client = new Client("ADYEN_API_KEY", Environment.TEST);

   // Create the request object(s)
   Amount amount = new Amount()
     .currency("EUR")
     .value(0L);

   SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails()
     .ownerName("The owner of the bank account")
     .iban("The IBAN of the bank account")
     .type(SepaDirectDebitDetails.TypeEnum.SEPADIRECTDEBIT);

   BillingAddress billingAddress = new BillingAddress()
     .country("NL")
     .city("Amsterdam")
     .houseNumberOrName("1")
     .street("Admiralenstraat")
     .postalCode("1000AA");

   PaymentRequest paymentRequest = new PaymentRequest()
     .reference("A reference for the payment request")
     .enablePayOut(true)
     .amount(amount)
     .storePaymentMethod(true)
     .merchantAccount("YOUR_MERCHANT_ACCOUNT")
     .recurringProcessingModel(PaymentRequest.RecurringProcessingModelEnum.SUBSCRIPTION)
     .paymentMethod(new CheckoutPaymentMethod(sepaDirectDebitDetails))
     .billingAddress(billingAddress)
     .returnUrl("https://your-company.example.com/...")
     .shopperReference("A reference for the bank account holder");

   // Send the request
   PaymentsApi service = new PaymentsApi(client);
   PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
   ```

   #### PHP

   ```php
   <?php
   // Adyen PHP API Library v28.2.0
   use Adyen\Client;
   use Adyen\Environment;
   use Adyen\Model\Checkout\Amount;
   use Adyen\Model\Checkout\CheckoutPaymentMethod;
   use Adyen\Model\Checkout\BillingAddress;
   use Adyen\Model\Checkout\PaymentRequest;
   use Adyen\Service\Checkout\PaymentsApi;

   $client = new Client();
   $client->setXApiKey("ADYEN_API_KEY");
   // For the LIVE environment, also include your liveEndpointUrlPrefix.
   $client->setEnvironment(Environment::TEST);


   // Create the request object(s)
   $amount = new Amount();
   $amount
     ->setCurrency("EUR")
     ->setValue(0);

   $checkoutPaymentMethod = new CheckoutPaymentMethod();
   $checkoutPaymentMethod
     ->setOwnerName("The owner of the bank account")
     ->setIban("The IBAN of the bank account")
     ->setType("sepadirectdebit");

   $billingAddress = new BillingAddress();
   $billingAddress
     ->setCountry("NL")
     ->setCity("Amsterdam")
     ->setHouseNumberOrName("1")
     ->setStreet("Admiralenstraat")
     ->setPostalCode("1000AA");

   $paymentRequest = new PaymentRequest();
   $paymentRequest
     ->setReference("A reference for the payment request")
     ->setEnablePayOut(true)
     ->setAmount($amount)
     ->setStorePaymentMethod(true)
     ->setMerchantAccount("YOUR_MERCHANT_ACCOUNT")
     ->setRecurringProcessingModel("Subscription")
     ->setPaymentMethod($checkoutPaymentMethod)
     ->setBillingAddress($billingAddress)
     ->setReturnUrl("https://your-company.example.com/...")
     ->setShopperReference("A reference for the bank account holder");

   $requestOptions['idempotencyKey'] = 'UUID';

   // Send the request
   $service = new PaymentsApi($client);
   $response = $service->payments($paymentRequest, $requestOptions);
   ```

   #### C\#

   ```cs
   // Adyen .net API Library v32.1.2
   using Adyen;
   using Environment = Adyen.Model.Environment;
   using Adyen.Model;
   using Adyen.Model.Checkout;
   using Adyen.Service.Checkout;

   // For the LIVE environment, also include your liveEndpointUrlPrefix.
   var config = new Config()
   {
       XApiKey = "ADYEN_API_KEY",
       Environment = Environment.Test
   };
   var client = new Client(config);

   // Create the request object(s)
   Amount amount = new Amount
   {
     Currency = "EUR",
     Value = 0
   };

   SepaDirectDebitDetails sepaDirectDebitDetails = new SepaDirectDebitDetails
   {
     OwnerName = "The owner of the bank account",
     Iban = "The IBAN of the bank account",
     Type = SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
   };

   BillingAddress billingAddress = new BillingAddress
   {
     Country = "NL",
     City = "Amsterdam",
     HouseNumberOrName = "1",
     Street = "Admiralenstraat",
     PostalCode = "1000AA"
   };

   PaymentRequest paymentRequest = new PaymentRequest
   {
     Reference = "A reference for the payment request",
     EnablePayOut = true,
     Amount = amount,
     StorePaymentMethod = true,
     MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
     RecurringProcessingModel = PaymentRequest.RecurringProcessingModelEnum.Subscription,
     PaymentMethod = new CheckoutPaymentMethod(sepaDirectDebitDetails),
     BillingAddress = billingAddress,
     ReturnUrl = "https://your-company.example.com/...",
     ShopperReference = "A reference for the bank account holder"
   };

   // Send the request
   var service = new PaymentsService(client);
   var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
   ```

   #### NodeJS (JavaScript)

   ```js
   // Adyen Node API Library v29.1.0
   const { Client, CheckoutAPI } = require('@adyen/api-library');

   // For the LIVE environment, also include your liveEndpointUrlPrefix.
   const config = new Config({
     apiKey: "ADYEN_API_KEY",
     environment: EnvironmentEnum.TEST
   });

   const client = new Client(config);

   // Create the request object(s)
   const paymentRequest = {
     amount: {
       value: 0,
       currency: "EUR"
     },
     paymentMethod: {
       type: "sepadirectdebit",
       iban: "The IBAN of the bank account",
       ownerName: "The owner of the bank account"
     },
     billingAddress: {
       houseNumberOrName: "1",
       street: "Admiralenstraat",
       city: "Amsterdam",
       country: "NL",
       postalCode: "1000AA"
     },
     enablePayOut: true,
     merchantAccount: "YOUR_MERCHANT_ACCOUNT",
     reference: "A reference for the payment request",
     returnUrl: "https://your-company.example.com/...",
     recurringProcessingModel: "Subscription",
     shopperReference: "A reference for the bank account holder",
     storePaymentMethod: true
   }

   // Send the request
   const checkoutAPI = new CheckoutAPI(client);
   const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
   ```

   #### Go

   ```go
   // Adyen Go API Library v21.0.0
   import (
     "context"
     "github.com/adyen/adyen-go-api-library/v21/src/common"
     "github.com/adyen/adyen-go-api-library/v21/src/adyen"
     "github.com/adyen/adyen-go-api-library/v21/src/checkout"
   )
   // For the LIVE environment, also include your liveEndpointUrlPrefix.
   client := adyen.NewClient(&common.Config{
     ApiKey:      "ADYEN_API_KEY",
     Environment: common.TestEnv,
   })

   // Create the request object(s)
   amount := checkout.Amount{
     Currency: "EUR",
     Value: 0,
   }

   sepaDirectDebitDetails := checkout.SepaDirectDebitDetails{
     OwnerName: "The owner of the bank account",
     Iban: "The IBAN of the bank account",
     Type: common.PtrString("sepadirectdebit"),
   }

   billingAddress := checkout.BillingAddress{
     Country: "NL",
     City: "Amsterdam",
     HouseNumberOrName: "1",
     Street: "Admiralenstraat",
     PostalCode: "1000AA",
   }

   paymentRequest := checkout.PaymentRequest{
     Reference: "A reference for the payment request",
     EnablePayOut: common.PtrBool(true),
     Amount: amount,
     StorePaymentMethod: common.PtrBool(true),
     MerchantAccount: "YOUR_MERCHANT_ACCOUNT",
     RecurringProcessingModel: common.PtrString("Subscription"),
     PaymentMethod: checkout.SepaDirectDebitDetailsAsCheckoutPaymentMethod(&sepaDirectDebitDetails),
     BillingAddress: &billingAddress,
     ReturnUrl: "https://your-company.example.com/...",
     ShopperReference: common.PtrString("A reference for the bank account holder"),
   }

   // Send the request
   service := client.Checkout()
   req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
   res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
   ```

   #### Python

   ```py
   # Adyen Python API Library v13.6.0
   import Adyen

   adyen = Adyen.Adyen()
   adyen.client.xapikey = "ADYEN_API_KEY"
   # For the LIVE environment, also include your liveEndpointUrlPrefix.
   adyen.client.platform = "test" # The environment to use library in.

   # Create the request object(s)
   json_request = {
     "amount": {
       "value": 0,
       "currency": "EUR"
     },
     "paymentMethod": {
       "type": "sepadirectdebit",
       "iban": "The IBAN of the bank account",
       "ownerName": "The owner of the bank account"
     },
     "billingAddress": {
       "houseNumberOrName": "1",
       "street": "Admiralenstraat",
       "city": "Amsterdam",
       "country": "NL",
       "postalCode": "1000AA"
     },
     "enablePayOut": True,
     "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
     "reference": "A reference for the payment request",
     "returnUrl": "https://your-company.example.com/...",
     "recurringProcessingModel": "Subscription",
     "shopperReference": "A reference for the bank account holder",
     "storePaymentMethod": True
   }

   # Send the request
   result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
   ```

   #### Ruby

   ```rb
   # Adyen Ruby API Library v10.4.0
   require "adyen-ruby-api-library"

   adyen = Adyen::Client.new
   adyen.api_key = 'ADYEN_API_KEY'
   # For the LIVE environment, also include your liveEndpointUrlPrefix.
   adyen.env = :test # Set to "live" for live environment

   # Create the request object(s)
   request_body = {
     :amount => {
       :value => 0,
       :currency => 'EUR'
     },
     :paymentMethod => {
       :type => 'sepadirectdebit',
       :iban => 'The IBAN of the bank account',
       :ownerName => 'The owner of the bank account'
     },
     :billingAddress => {
       :houseNumberOrName => '1',
       :street => 'Admiralenstraat',
       :city => 'Amsterdam',
       :country => 'NL',
       :postalCode => '1000AA'
     },
     :enablePayOut => true,
     :merchantAccount => 'YOUR_MERCHANT_ACCOUNT',
     :reference => 'A reference for the payment request',
     :returnUrl => 'https://your-company.example.com/...',
     :recurringProcessingModel => 'Subscription',
     :shopperReference => 'A reference for the bank account holder',
     :storePaymentMethod => true
   }

   # Send the request
   result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
   ```

   #### NodeJS (TypeScript)

   ```ts
   // Adyen Node API Library v29.1.0
   import { Client, CheckoutAPI, Types } from "@adyen/api-library";

   // For the LIVE environment, also include your liveEndpointUrlPrefix.
   const config = new Config({
     apiKey: "ADYEN_API_KEY",
     environment: EnvironmentEnum.TEST
   });

   const client = new Client(config);

   // Create the request object(s)
   const amount: Types.checkout.Amount = {
     currency: "EUR",
     value: 0
   };

   const sepaDirectDebitDetails: Types.checkout.SepaDirectDebitDetails = {
     ownerName: "The owner of the bank account",
     iban: "The IBAN of the bank account",
     type: Types.checkout.SepaDirectDebitDetails.TypeEnum.Sepadirectdebit
   };

   const billingAddress: Types.checkout.BillingAddress = {
     country: "NL",
     city: "Amsterdam",
     houseNumberOrName: "1",
     street: "Admiralenstraat",
     postalCode: "1000AA"
   };

   const paymentRequest: Types.checkout.PaymentRequest = {
     reference: "A reference for the payment request",
     enablePayOut: true,
     amount: amount,
     storePaymentMethod: true,
     merchantAccount: "YOUR_MERCHANT_ACCOUNT",
     recurringProcessingModel: Types.checkout.PaymentRequest.RecurringProcessingModelEnum.Subscription,
     paymentMethod: sepaDirectDebitDetails,
     billingAddress: billingAddress,
     returnUrl: "https://your-company.example.com/...",
     shopperReference: "A reference for the bank account holder"
   };

   // Send the request
   const checkoutAPI = new CheckoutAPI(client);
   const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
   ```

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

2. 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](https://docs.adyen.com/api-explorer/Tokenization-webhooks/latest/post/recurring.token.created) webhook.

   The following code sample shows an authorized payment response that includes the token.

   **Tokenization response with raw bank account data**

   ```bash
   curl https://checkout-test.adyen.com/checkout/v72/payments \
   -H 'x-api-key: ADYEN_API_KEY' \
   -H 'content-type: application/json' \
   -X POST \
   -d '{
       "additionalData": {
           "sepadirectdebit.sequenceType": "First",
           "recurring.recurringDetailReference": "W7RFRMFXHP447NV5",
           "recurringProcessingModel": "Subscription",
           "recurring.shopperReference": "Your unique reference for the bank account holder",
           "sepadirectdebit.dateOfSignature": "2025-08-25",
           "tokenization.store.operationType": "created",
           "sepadirectdebit.mandateId": "GWWSVJKG5DB89PV5",
           "tokenization.shopperReference": "Your unique reference for the bank account holder",
           "tokenization.storedPaymentMethodId": "W7RFRMFXHP447NV5"
       },
       "pspReference": "GWWSVJKG5DB89PV5",
       "resultCode": "Authorised",
       "amount": {
           "currency": "EUR",
           "value": 0
       },
       "merchantReference": "Your unique reference for the payment request",
       "paymentMethod": {
           "type": "sepadirectdebit"
       }
   }'
   ```

3. 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](/payouts/payout-service/pay-out-to-bank-accounts/bank-payout-request)

[Pay out your funds to a third-party bank account using the Transfers API.](/payouts/payout-service/pay-out-to-bank-accounts/bank-payout-request)