---
title: "Pay out to third-party cards"
description: "Pay out your funds from your balance account to a third-party card."
url: "https://docs.adyen.com/payouts/payout-service/pay-out-to-cards"
source_url: "https://docs.adyen.com/payouts/payout-service/pay-out-to-cards.md"
canonical: "https://docs.adyen.com/payouts/payout-service/pay-out-to-cards"
last_modified: "2023-11-30T12:07:00+01:00"
language: "en"
---

# Pay out to third-party cards

Pay out your funds from your balance account to a third-party card.

[View source](/payouts/payout-service/pay-out-to-cards.md)

Adyen's instant card payouts solution allows you to pay out funds from your [balance account](/payouts/payout-service/account-structure-resources#balance-platform-resources) to third-party Mastercard or Visa cardholders, such as freelancers or providers, using the [Transfers API](https://docs.adyen.com/api-explorer/transfers/latest/overview). Funds typically become available to the cardholder within 30 minutes, although processing times can vary depending on the card issuer.

## Supported locations and currencies

The following table shows the locations where Adyen supports payouts to Mastercard and Visa cards.

| Location                                                                                                                                                                                 | Types of supported payouts                                                                                       | Supported payout currency                                      |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------- |
| Countries/regions that are members of the [European Economic Area (EEA)](https://ec.europa.eu/eurostat/statistics-explained/index.php?title=Glossary%3AEuropean_Economic_Area_%28EEA%29) | — Domestic — Cross-border: supported for cards issued within the EEA and for cards issued in the United Kingdom. | The local currency of the country/region that issued the card. |
| United States                                                                                                                                                                            | Domestic                                                                                                         | US Dollar (USD)                                                |
| United Kingdom                                                                                                                                                                           | — Domestic — Cross-border: supported for cards issued within the EEA.                                            | British Pound (GBP)                                            |

## How card payouts work

Adyen supports two types of card payouts:

* **One-off payouts**: make a single payout to a card.
* **Recurring payouts**: save the details of a card and make recurrent payouts to that card.

The following tabs explain how to make each type of card payout.

### Tab: One-off payout

To make a one-off payout to a card:

1. (Conditional) [Enable your account to receive additional data](/payouts/payout-service/pay-out-to-cards/manage-card-details#additional-data-payout) in [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) responses. You only need to do this one time.\
   This is required if:

   * You want to check if a card is eligible for payouts.
   * You want to tokenize and save card details.

2. (Optional) Make a zero-auth payment to [check if the card is eligible for payouts](/payouts/payout-service/pay-out-to-cards/manage-card-details#payout-zero-auth).

3. (Conditional) [Store the card details](/payouts/payout-service/pay-out-to-cards/manage-card-details#store-card-details) by using tokenization.\
   This is required if you are not [fully PCI compliant](/get-started-with-adyen/adyen-glossary/#pci-compliance).

4. [Make a card payout](/payouts/payout-service/pay-out-to-cards/card-payout-request#make-payout-request) request using the [/transfers](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers) endpoint.

### Tab: Recurring payouts

To make recurring payouts to a card:

1. [Enable your account to receive additional data](/payouts/payout-service/pay-out-to-cards/manage-card-details#additional-data-payout) in [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) responses. You only need to do this one time.
2. (Optional) Make a zero-auth payment to [check if the card is eligible for payouts](/payouts/payout-service/pay-out-to-cards/manage-card-details#payout-zero-auth).
3. [Store the card details](/payouts/payout-service/pay-out-to-cards/manage-card-details#store-card-details) by using tokenization.
4. [Make a card payout](/payouts/payout-service/pay-out-to-cards/card-payout-request#make-payout-request) request using the [/transfers](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers) endpoint.

You only need to do steps 2 and 3 on the first time that you pay out to a card. After completing these steps, you can make recurring payouts to the stored card.

## Next steps

[Manage card details](/payouts/payout-service/pay-out-to-cards)

[Manage the details of the cards that you want to pay out to.](/payouts/payout-service/pay-out-to-cards)

[Funds disbursement](/payouts/payout-service/pay-out-to-cards/funds-disbursement)

[Pay out your funds to a third-party card using the Transfers API.](/payouts/payout-service/pay-out-to-cards/funds-disbursement)