Initiate on-demand payouts

Initiate an on-demand payout to your user's verified bank account.

Send funds to third parties

Offer Adyen business accounts to your users so they can transfer funds to third-party bank accounts.

Additional verification requirements apply.

On-demand payouts give you the flexibility to trigger a payout off-schedule. When triggering an on-demand payout, consider the cutoff times for each bank transfer method in each region. Cutoff times affect the expected time for the account holders to receive the funds in their bank account.

This page explains how to pay out on-demand to your user's transfer instruments.

Requirements

Before you begin, take into account the following requirements:

Requirement	Description
Integration type	You need an Adyen for Platforms integration.
API credentials	Your API credential for the Transfers API must have the following role: TransferService Webservice Initiate role
Customer Area roles	You need the following role: Initiate payouts to transfer instruments
Webhooks	Make sure that your server receives and accepts webhooks. In your Customer Area, subscribe to Transfer webhooks
Capabilities	Make sure that the user is allowed to use the sendToTransferInstrument capability. From LEM API v3, this capability is verified at the level of the transfer instrument, such as a bank account. This means that transfers are possible to a verified transfer instrument independently of the verification status of other transfer instruments that the legal entity has.
Setup steps	Before you begin your integration, contact our Support Team to: Enable transfers for the source balance account. Configure a default transfer description for your platform. Before submitting a transfer request, we recommend that you calculate the available transfer routes. This enables you to pay out funds faster and minimize the risk of payout failures.

How it works

To make an on-demand payout, you must initiate a payout request. The following diagram shows the stages of a payout request, from initiation to sending the funds.

As shown in the previous diagram, payout requests go through the following stages:

Payout request sent: You send a payout request using the POST /transfers endpoint or your Customer Area.
Capability check: Adyen verifies that your user has the required capabilities.
- If the capabilities are verified, Adyen receives and accepts your payout request.
- If any capabilities are missing, the payout request fails.
Approval process: Before approving a payout, Adyen reviews the payout and performs internal checks. Additionally, you can trigger additional reviews for the payout request, to make sure that the payout is also approved by a member of your team.
- If all the required reviews are completed successfully, the payout request is approved.
- If any of the required reviews fails, the payout request also fails.
Payout request authorized: The payout request is instantly authorized.
If you specified an execution date in the future, the payout request remains pending until the execution date, and is authorized on that date.
Payout request booked: The funds are deducted from the user's balance account and sent to the user's transfer instrument.

Adyen informs you about the status of a payout through webhooks.

Initiate a transfer request

To set up on-demand payouts, make a POST /transfers request or use your Customer Area.

Get updates on the status of the transfer

Track the transfer requests through webhooks that Adyen sends to your server. The webhooks provide the status of the request, from the time when Adyen received the request and the transfer was authorised, up to when the transfer was booked and deducted from the balance account. The webhooks also inform you if the transfer failed.

You can also view the resulting transfer in your Customer Area.

Troubleshooting

The following examples show some common issues you may encounter when attempting to make a transfer.

This error indicates that the user's bank returned a previous payout attempt. Some return codes indicate a temporary issue, and can be retried. Others indicate a permanent issue and result in this error message.

Solution

To avoid this error:

Listen to transfer webhooks. These webhooks tell you when a user's bank returns a payout.
Read the return reason. If the reason indicates a final status, do not retry the transfer. Only retry payouts that have return reason codes that are recommended to be retried.
Communicate with your user. Let them know that subsequent payouts might fail if they do not update their bank account details.

To fix this error:

Update the user's bank account details. Send the user a Hosted Onboarding link, or update the bank account manually with the /transferInstruments/{id} API. This removes the block that causes the error and ensures that the user's bank account is up to date.
Retry the payout using the same on demand transfer process.

Transfer statement description character limits

The following limits apply to the length and the characters that you can use when setting a transfer statement description based on the location of the counterparty and the priority.

The following sections show the character limits for each combination of currency and priority that Adyen supports.

Bulgaria

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
BGN	regular	`description`	[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space	140	35
BGN	regular	`referenceForBeneficiary`	[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space	80	35
BGN	wire	`description`	[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space	140	140
BGN	wire	`referenceForBeneficiary`	[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space	80	140

Czech Republic

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
CZK	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
CZK	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140
CZK	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
CZK	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140

Denmark

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
DKK	regular	`description`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	140	70
DKK	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	80	70
DKK	wire	`description`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	140	140
DKK	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	80	140

Hungary

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
HUF	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	20
HUF	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	20

Norway

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
NOK	regular	`description`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	140	25
NOK	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	80	25
NOK	wire	`description`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	140	140
NOK	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	80	140

Poland

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
PLN	regular	`description`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	140	0 Adyen accepts a description in the transfer request, but it does not appear in bank statements.
PLN	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? ( ) . , = ! % & * ; Space	80	0 Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements.
PLN	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
PLN	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140

Romania

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
RON	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	70
RON	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	70
RON	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
RON	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140

Single Euro Payments Area (SEPA)

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
EUR	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
EUR	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	35
EUR	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
EUR	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	35
EUR	instant	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
EUR	instant	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	0

Sweden

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
SEK	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	11
SEK	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	11
SEK	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	35
SEK	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	35

Switzerland

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
CHF	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	85
CHF	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	0 Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements.
CHF	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	60
CHF	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	0 Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements.

United Kingdom

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
GBP	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + # = ! " % & * ; { } @ Space	140	140
GBP	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + # = ! " % & * ; { } @ Space	80	18
GBP	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	16
GBP	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	16
GBP	fast	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
GBP	fast	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140

Canada

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
CAD	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	12
CAD	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	12
USD	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	12
USD	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	12

United States

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
USD	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	30
USD	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	15
USD	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
USD	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	16
USD	fast	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	30
USD	fast	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	15
USD	instant	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
USD	instant	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	16

Australia

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
AUD	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . ,' + Space	140	18
AUD	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	18
AUD	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	35
AUD	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	35
AUD	fast	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	280 (Adyen accepts a maximum of 140)
AUD	fast	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	280 (Adyen accepts a maximum of 140)

Hong Kong

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
HKD	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . ,' + Space	140	18
HKD	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	18
HKD	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
HKD	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140
USD	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
USD	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140

New Zealand

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
NZD	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . ,' + Space	140	35
NZD	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	35
NZD	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
NZD	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140

Singapore

Currency	Payout priority	API field name	Allowed characters	Maximum number of characters	Number of characters visible on statements
SGD	regular	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . ,' + Space	140	18
SGD	regular	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	18
SGD	wire	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	0 Adyen accepts a description in the transfer request, but it does not appear in bank statements.
SGD	wire	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	0 Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements.
SGD	fast	`description`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	140	140
SGD	fast	`referenceForBeneficiary`	[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space	80	140