Custom payouts

While managed payouts offer an optimized, hands-off experience, custom payouts give you full control over when and how funds move. This solution is ideal if you want specific settlement waiting periods, fixed payout cadences, or the ability to trigger payouts programmatically using API requests.

You can implement custom payouts in the following ways:

• Configure custom settlement delay: Adjust the waiting period for funds to become available for payout. This allows you to align the availability of funds with your platform's specific risk or operational requirements before a payout is triggered.
• Configure custom payout schedules: You can set up an automatic payout schedule based on the timing and the amount held in their balance account.
• Pay out on demand: You can pay out when needed, on top of or instead of the scheduled payouts.

Scheduled custom and on-demand payouts are bank transfer requests that move funds from your user's balance account to their bank account.

Requirements

Before you begin, take into account the following requirements:

Payout types

Adyen supports both local (within the same country and currency) and cross-border payouts.

Local payouts

Adyen supports local payouts to your users in all supported countries and regions. Local payouts can be processed by the local clearing system in the beneficiary's country. For example, USD in the United States and AUD in Australia.

The following priorities are supported for local payouts:

• fast
• instant
• regular
• wire

Cross-border payouts

Adyen also supports cross-border payouts. For example, a payout in CZK to a bank account in Slovakia. There are two exceptions:

• We do not support USD payouts to Canadian users with a US bank account.
• We do not support USD payouts to Hong Kong users with a US bank account.

Cross-border payouts are subject to various limitations since they may need to be processed through a network of correspondent banks. These limitations can include:

• The arrival time of the payout cannot be guaranteed.
• The payout is subject to lifting fees by the different correspondent banks.
• Geographic restrictions when using a bank account that is not in the user's country of residence. For example, when using hosted onboarding, users can only add a non-domestic bank account if they are a resident of the EU/EEA, Switzerland, or the UK.

Note that the only priority supported for cross-border payouts is crossBorder.

For a cross-border payout, make a POST /transfers request with accountIdentification.type NumberAndBicAccountIdentification and the user's account number/IBAN and BIC.

Payout countries, currencies, and priorities

See the following overview of supported countries, currencies, priorities, and bank account formats for bank details. Depending on the country or region, users can provide their bank details using the default bank account format or a custom value.

Transfer cut-off times

There are specific times during a business day, called cut-off times, when Adyen stops processing payouts for settlement within the settlement delay. Payouts initiated before the cut-off time are typically processed within the specified settlement delay, while those initiated after the cut-off time will be processed the next day within the specified settlement delay.

Adhering to cut-off times can help you maintain consistency and predictability of your financial activities.

Example cut-off times

Transfer priority

You can specify how fast you want the funds to arrive to your user's account by setting a priority in the payout request or schedule. A payout with a higher priority incurs higher fees. You can set the following priorities for payouts:

• Regular: Recommended for standard, low-value transactions to a recipient in the same region.
• Instant: Transfers funds instantly within the United States, Australia, the United Kingdom, and the Single Euro Payments Area (SEPA).
• Fast: Processes faster than Regular and incurs higher fees. Suitable for high-priority, low-value transfers in the same region.
• Wire: The fastest option, with the highest fees. Recommended for high-priority, high-value transfers in the same region.

Testing

To test the payout flow, make a POST /transfers request, where the currency and priority of the transfer request matches the values shown in the following tables.