Limited availability
Cashouts are in pilot phase. Some of the processes and documentation may change as the feature evolves.
With Adyen's cashout service, your users can access their pending funds instantly upon their request.
Typically, the funds that your platform captures for your users are made available to them after settlement. During the period between capture and settlement, the funds appear as a pending balance in your users' balance accounts.
If a user needs instant access to funds in their pending balance, you can make the funds immediately available to them by using cashouts. When the funds are available, these can be paid out to the user's transfer instrument.
To enable cashouts on your platform, you must configure a sales day settlement model. For more information, reach out to your Adyen contact.
How cashouts work
The following example explains how cashouts work:
User A is a seller in your platform, whose balance account is configured with the sales day settlement model. The settlement delay in User A's balance account is two days.
On January 1, Adyen processes EUR 1000 in sales for User A. These funds appear on the pending balance of User A's balance account after the sales day ends. Because of the settlement delay, the sales funds would only become available to User A on January 3.
User A needs access to the funds on January 2, so they can ask you to pay out their pending balance immediately. You can do this by making a cashout request to Adyen, specifying the amount to pay out. This amount must be less or equal to the pending balance.
As an option, you can charge User A a fee for the cashout. In this case, the sum of the cashout amount and the fee cannot be higher than the pending balance.
The following diagram shows what happens when you make a cashout request.
As shown in the diagram, when you make a cashout request:
- On the day that you make the request (in this example, January 2), Adyen credits the specified cashout amount to your user's balance account (Funding).
- Adyen makes an instant payout for the cashout amount to your user's transfer instrument.
- Adyen debits the cashout fee from your user's balance account and transfers it to your liable balance account.
- When the sales funds are settled (in this example, January 3), Adyen debits the cashout amount from your user's balance account (Repayment).
Supported regions, currencies, and cashout amounts
The following table shows the regions where we support cashouts and the corresponding cashout amounts.
| Country/Region | Currency | Daily cashouts allowed per balance account | Minimum cashout amount per balance account | Maximum cashout amount per balance account |
|---|---|---|---|---|
| European Economic Area (EEA) | EUR | 1 | EUR 1 | EUR 10,000 |
| US | USD | 1 | USD 1 | USD 10,000 |
| UK | GBP | 1 | GBP 1 | GBP 10,000 |