{"title":"Payout transfer webhooks","category":"default","creationDate":1679391360,"content":"<p>When funds are transferred (paid out) from a balance account to your user's bank account, Adyen sends  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Transfer webhooks<\/a> to inform you of the progress and status changes of the transfer request. Use this guide to learn what payout-related transfer webhook events are sent, and how to configure your system to process them successfully.<\/p>\n<p>When a payout-related transfer is triggered in your balance platform, Adyen sends the following of webhooks:<\/p>\n<ul>\n<li> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.created\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.created<\/a>, which informs your server that an outgoing transfer is initiated from a balance account in your platform.<\/li>\n<li> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a>, which informs your server of the transfer status changes.<\/li>\n<\/ul>\n<h2>Requirements<\/h2>\n<p>To keep track of payout-related transfer events in your platform, ensure that:<\/p>\n<p>Before you begin, take into account the following requirements and preparations.<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Requirement<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Integration type<\/strong><\/td>\n<td style=\"text-align: left;\">An Adyen <a href=\"\/payouts\/payout-service\/integration-checklist\/\">payout service integration<\/a>.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"\/development-resources\/webhooks\">Webhooks<\/a><\/strong><\/td>\n<td style=\"text-align: left;\">To keep track of payout-related events in your platform, make sure that: <br\/> <ul><li markdown=\"1\">Your server must be able to <a href=\"\/development-resources\/webhooks\/configure-and-manage\">receive and accept webhooks<\/a>.<\/li><li markdown=\"1\">You have <a href=\"\/development-resources\/webhooks\/configure-and-manage#configure-customer-area\">subscribed<\/a> to <strong>Transfer webhooks<\/strong> and <strong>Transaction webhooks<\/strong> in your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>.<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Identify payout-related webhooks<\/h2>\n<p>You can identify transfer webhooks triggered by payout-related events by looking at the following values:<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Parameter<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<th style=\"text-align: left;\">Value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.created#request-data-category\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">category<\/a><\/td>\n<td style=\"text-align: left;\">The category of the transfer.<\/td>\n<td style=\"text-align: left;\"><strong>bank<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.created#request-data-direction\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">direction<\/a><\/td>\n<td style=\"text-align: left;\">The direction of the transfer from the perspective of the balance account.<\/td>\n<td style=\"text-align: left;\"><strong>outgoing<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.created#request-data-type\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">type<\/a><\/td>\n<td style=\"text-align: left;\">The type of the transfer.<\/td>\n<td style=\"text-align: left;\"><strong>bankTransfer<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Adyen sends webhooks for the following payout events:<\/p>\n<ul>\n<li><a href=\"#payout-transfer-initiated\">Payout transfer initiated<\/a><\/li>\n<li><a href=\"#payout-transfer-authorised\">Payout transfer authorized<\/a><\/li>\n<li><a href=\"#payout-transfer-booked\">Payout transfer booked<\/a><\/li>\n<li><a href=\"#payout-transfer-pending\">Payout transfer pending<\/a><\/li>\n<li><a href=\"#payout-transfer-failed\">Payout transfer failed<\/a><\/li>\n<li><a href=\"#payout-transfer-tracking\">Payout transfer tracking<\/a><\/li>\n<li><a href=\"#payout-transfer-credited\">Payout transfer credited<\/a><\/li>\n<li><a href=\"#payout-transfer-returned\">Payout transfer returned<\/a><\/li>\n<\/ul>\n<p>The following sections provide code samples for the events that trigger webhooks. These samples consider a use case where you pay out EUR 100.00 from a balance account to a third-party bank account.<\/p>\n<h2>Payout transfer initiated<\/h2>\n<p>After the transfer request for a payout is triggered, Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.created\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.created<\/a> webhook event to inform your server that an outgoing transfer request has been created. The webhook provides information about the transfer, such as:<\/p>\n<ul>\n<li>The <code>amount<\/code> of the payout.<\/li>\n<li>The <code>reference<\/code> for the payout.<\/li>\n<li>The <code>referenceForBeneficiary<\/code>.<\/li>\n<li>Your user's <code>balanceAccount<\/code> from which the funds will be deducted.<\/li>\n<li>Details of the <code>accountHolder<\/code> linked to your user's balance account.<\/li>\n<li>Details of the <code>counterparty<\/code> in the transfer, which is your user's transfer instrument.<\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Transfer initiated'\" :id=\"'transfer-initiated'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"data\\\": {\\n    \\\"accountHolder\\\": {\\n      \\\"description\\\": \\\"Your description for the account holder\\\",\\n      \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the account holder\\\"\\n    },\\n    \\\"amount\\\": {\\n      \\\"currency\\\": \\\"EUR\\\",\\n      \\\"value\\\": 10000\\n    },\\n    \\\"balanceAccount\\\": {\\n      \\\"description\\\": \\\"Your description for the balance account\\\",\\n      \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the balance account\\\"\\n    },\\n    \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n    \\\"balances\\\": [\\n      {\\n        \\\"currency\\\": \\\"EUR\\\",\\n        \\\"received\\\": -10000\\n      }\\n    ],\\n    \\\"category\\\": \\\"bank\\\",\\n    \\\"categoryData\\\": {\\n      \\\"priority\\\": \\\"regular\\\",\\n      \\\"type\\\": \\\"bankTransfer\\\"\\n    },\\n    \\\"counterparty\\\": {\\n        \\\"transferInstrumentId\\\": \\\"SE00000000000000000000001\\\"\\n    },\\n    \\\"creationDate\\\": \\\"2023-02-28T13:30:05+02:00\\\",\\n    \\\"description\\\": \\\"Your user description for the transfer\\\",\\n    \\\"direction\\\": \\\"outgoing\\\",\\n    \\\"events\\\": [\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000001\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"received\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      }\\n    ],\\n    \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n    \\\"reason\\\": \\\"approved\\\",\\n    \\\"reference\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"referenceForBeneficiary\\\": \\\"Your user reference for the beneficiary\\\",\\n    \\\"sequenceNumber\\\": 1,\\n    \\\"transactionRulesResult\\\": {\\n      \\\"allHardBlockRulesPassed\\\": true\\n    },\\n    \\\"status\\\": \\\"received\\\",\\n    \\\"type\\\": \\\"bankTransfer\\\"\\n  },\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"type\\\": \\\"balancePlatform.transfer.created\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Payout transfer authorised<\/h2>\n<p>When the transfer request for the payout is authorized, Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a> webhook event to inform your server that the transfer amount has been reserved on the account. This webhook includes the <code>status<\/code> <strong>authorised<\/strong>.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Transfer authorised'\" :id=\"'transfer-authorised'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"data\\\": {\\n    \\\"accountHolder\\\": {\\n      \\\"description\\\": \\\"Your description for the account holder\\\",\\n      \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the account holder\\\"\\n    },\\n    \\\"amount\\\": {\\n      \\\"currency\\\": \\\"EUR\\\",\\n      \\\"value\\\": 10000\\n    },\\n    \\\"balanceAccount\\\": {\\n      \\\"description\\\": \\\"Your description for the balance account\\\",\\n      \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the balance account\\\"\\n    },\\n    \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n    \\\"balances\\\": [\\n      {\\n        \\\"currency\\\": \\\"EUR\\\",\\n        \\\"received\\\": 0,\\n        \\\"reserved\\\": -10000\\n      }\\n    ],\\n    \\\"category\\\": \\\"bank\\\",\\n    \\\"categoryData\\\": {\\n      \\\"priority\\\": \\\"regular\\\",\\n      \\\"type\\\": \\\"bankTransfer\\\"\\n    },\\n    \\\"counterparty\\\": {\\n        \\\"transferInstrumentId\\\": \\\"SE00000000000000000000001\\\"\\n    },\\n    \\\"creationDate\\\": \\\"2023-02-28T13:30:05+02:00\\\",\\n    \\\"description\\\": \\\"Your user description for the transfer\\\",\\n    \\\"direction\\\": \\\"outgoing\\\",\\n    \\\"events\\\": [\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000001\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"received\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000002\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 10000,\\n            \\\"reserved\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"authorised\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      }\\n    ],\\n    \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n    \\\"reason\\\": \\\"approved\\\",\\n    \\\"reference\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"referenceForBeneficiary\\\": \\\"Your user reference for the beneficiary\\\",\\n    \\\"sequenceNumber\\\": 2,\\n    \\\"transactionRulesResult\\\": {\\n      \\\"allHardBlockRulesPassed\\\": true\\n    },\\n    \\\"status\\\": \\\"authorised\\\",\\n    \\\"type\\\": \\\"bankTransfer\\\"\\n  },\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"type\\\": \\\"balancePlatform.transfer.updated\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Payout transfer booked<\/h2>\n<p>When the funds are deducted from your user's balance account, Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a> webhook event with:<\/p>\n<ul>\n<li><code>direction<\/code>: <strong>outgoing<\/strong><\/li>\n<li><code>status<\/code>: <strong>booked<\/strong><\/li>\n<li><code>counterparty<\/code>: details of the external transfer instrument.<\/li>\n<li><code>events.transactionId<\/code>: ID of the transaction<\/li>\n<\/ul>\n<p>This status is not final. Instant payouts may be rejected by the counterparty's bank and thus <a href=\"#payout-failed\">fail<\/a>, and regular and wire transfers may be <a href=\"#payout-returned\">returned<\/a> by the counterparty's bank. <\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Transfer booked'\" :id=\"'transfer-booked'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"data\\\": {\\n    \\\"accountHolder\\\": {\\n      \\\"description\\\": \\\"Your description for the account holder\\\",\\n      \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the account holder\\\"\\n    },\\n    \\\"amount\\\": {\\n      \\\"currency\\\": \\\"EUR\\\",\\n      \\\"value\\\": 10000\\n    },\\n    \\\"balanceAccount\\\": {\\n      \\\"description\\\": \\\"Your description for the balance account\\\",\\n      \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the balance account\\\"\\n    },\\n    \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n    \\\"balances\\\": [\\n      {\\n        \\\"balance\\\": -10000,\\n        \\\"currency\\\": \\\"EUR\\\",\\n        \\\"received\\\": 0,\\n        \\\"reserved\\\": 0\\n      }\\n    ],\\n    \\\"category\\\": \\\"bank\\\",\\n    \\\"categoryData\\\": {\\n      \\\"priority\\\": \\\"regular\\\",\\n      \\\"type\\\": \\\"bankTransfer\\\"\\n    },\\n    \\\"counterparty\\\": {\\n      \\\"transferInstrumentId\\\": \\\"SE00000000000000000000001\\\"\\n    },\\n    \\\"creationDate\\\": \\\"2023-02-28T13:30:05+02:00\\\",\\n    \\\"description\\\": \\\"Your user description for the transfer\\\",\\n    \\\"direction\\\": \\\"outgoing\\\",\\n    \\\"events\\\": [\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000001\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"received\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000002\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 10000,\\n            \\\"reserved\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"authorised\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000003\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"balance\\\": -10000,\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 0,\\n            \\\"reserved\\\": 10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"booked\\\",\\n        \\\"transactionId\\\": \\\"EVJN42272224222B5JB8BRC84N686ZEUR\\\",\\n        \\\"type\\\": \\\"accounting\\\",\\n        \\\"valueDate\\\": \\\"2023-03-01T12:58:25+01:00\\\"\\n      }\\n    ],\\n    \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n    \\\"reason\\\": \\\"approved\\\",\\n    \\\"reference\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"referenceForBeneficiary\\\": \\\"Your user reference for the beneficiary\\\",\\n    \\\"sequenceNumber\\\": 3,\\n    \\\"transactionRulesResult\\\": {\\n      \\\"allHardBlockRulesPassed\\\": true\\n    },\\n    \\\"status\\\": \\\"booked\\\",\\n    \\\"type\\\": \\\"bankTransfer\\\"\\n  },\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"type\\\": \\\"balancePlatform.transfer.updated\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Payout transfer pending<\/h2>\n<p>After the funds are deducted from your user's balance account, the transfer is automatically analyzed to ensure that it complies with Adyen's policies. If a transfer is flagged, Adyen reviews the transfer.<\/p>\n<p>In order to speed up the screening process and reduce the amount of manual effort needed, we recommend that you provide as much information as possible in the transfer request. For example, include all counterparty details in the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfers\/latest\/post\/transfers#request-counterparty-bankAccount-accountHolder\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">accountHolder<\/a> object.<\/p>\n<p>In this case, Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a> webhook event with a <code>tracking<\/code> event type, specifying the following <code>trackingData<\/code> details:<\/p>\n<ul>\n<li><code>status<\/code>:  <strong>pending<\/strong><\/li>\n<li><code>type<\/code>: <strong>internalReview<\/strong><\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Transfer pending'\" :id=\"'transfer-pending'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"data\\\": {\\n    \\\"accountHolder\\\": {\\n      \\\"description\\\": \\\"Your description for the account holder\\\",\\n      \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the account holder\\\"\\n    },\\n    \\\"amount\\\": {\\n      \\\"currency\\\": \\\"EUR\\\",\\n      \\\"value\\\": 10000\\n    },\\n    \\\"balanceAccount\\\": {\\n      \\\"description\\\": \\\"Your description for the balance account\\\",\\n      \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the balance account\\\"\\n    },\\n    \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n    \\\"balances\\\": [\\n      {\\n        \\\"balance\\\": -10000,\\n        \\\"currency\\\": \\\"EUR\\\",\\n        \\\"received\\\": 0,\\n        \\\"reserved\\\": 0\\n      }\\n    ],\\n    \\\"category\\\": \\\"bank\\\",\\n    \\\"categoryData\\\": {\\n      \\\"priority\\\": \\\"regular\\\",\\n      \\\"type\\\": \\\"bankTransfer\\\"\\n    },\\n    \\\"counterparty\\\": {\\n      \\\"transferInstrumentId\\\": \\\"SE00000000000000000000001\\\"\\n    },\\n    \\\"creationDate\\\": \\\"2024-04-22T12:55:18+02:00\\\",\\n    \\\"description\\\": \\\"Your user description for the transfer\\\",\\n    \\\"direction\\\": \\\"outgoing\\\",\\n    \\\"events\\\": [\\n      {\\n        \\\"bookingDate\\\": \\\"2024-04-22T12:55:20+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000001\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"received\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2024-04-22T12:55:20+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000002\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 10000,\\n            \\\"reserved\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"authorised\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2024-04-22T12:55:20+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000003\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"balance\\\": -10000,\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 0,\\n            \\\"reserved\\\": 10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"booked\\\",\\n        \\\"transactionId\\\": \\\"EVJN42272224222B5JB8BRC84N686ZEUR\\\",\\n        \\\"type\\\": \\\"accounting\\\",\\n        \\\"valueDate\\\": \\\"2024-04-22T12:55:18+02:00\\\"\\n      },\\n      {\\n        \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n        \\\"trackingData\\\": {\\n          \\\"status\\\": \\\"pending\\\",\\n          \\\"type\\\": \\\"internalReview\\\"\\n        },\\n        \\\"type\\\": \\\"tracking\\\",\\n        \\\"updateDate\\\": \\\"2024-04-22T12:55:30+02:00\\\"\\n      }\\n    ],\\n    \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n    \\\"reason\\\": \\\"approved\\\",\\n    \\\"reference\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"referenceForBeneficiary\\\": \\\"Your user reference for the beneficiary\\\",\\n    \\\"sequenceNumber\\\": 4,\\n    \\\"status\\\": \\\"booked\\\",\\n    \\\"tracking\\\": {\\n      \\\"status\\\": \\\"pending\\\",\\n      \\\"type\\\": \\\"internalReview\\\"\\n    },\\n    \\\"transactionRulesResult\\\": {\\n      \\\"allHardBlockRulesPassed\\\": true,\\n      \\\"score\\\": 0\\n    },\\n    \\\"type\\\": \\\"bankTransfer\\\"\\n  },\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"type\\\": \\\"balancePlatform.transfer.updated\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<p>After Adyen reviews the transfer details, we send a webhook to notify you of the outcome.<\/p>\n\n<div id=\"tabuAeqg\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Review passed&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;If the transfer passed the review:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;\\n&lt;p&gt;For transfers with &lt;code&gt;priority&lt;\\\/code&gt; &lt;strong&gt;instant&lt;\\\/strong&gt;, Adyen sends a  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/transfer-webhooks\\\/latest\\\/post\\\/balancePlatform.transfer.updated\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;balancePlatform.transfer.updated&lt;\\\/a&gt; webhook to confirm that the funds have been credited in the counterparty account. The webhook includes a &lt;code&gt;tracking&lt;\\\/code&gt; event with the tracking &lt;code&gt;status&lt;\\\/code&gt; &lt;strong&gt;credited&lt;\\\/strong&gt;.&lt;\\\/p&gt;\\n&lt;p&gt;For more information, see an example of the &lt;a href=\\&quot;#payout-credited\\&quot;&gt;payout credited webhook&lt;\\\/a&gt;.&lt;\\\/p&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;For transfers with any other priority, Adyen sends a  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/transfer-webhooks\\\/latest\\\/post\\\/balancePlatform.transfer.updated\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;balancePlatform.transfer.updated&lt;\\\/a&gt; webhook with the &lt;code&gt;tracking&lt;\\\/code&gt; event, specifying the &lt;code&gt;estimatedArrivalTime&lt;\\\/code&gt;. This field indicates the date and time when the funds will be credited in the counterparty bank account.&lt;\\\/p&gt;\\n&lt;p&gt;For more information, see an example of the &lt;a href=\\&quot;#payout-tracking\\&quot;&gt;payout tracking webhook&lt;\\\/a&gt;.&lt;\\\/p&gt;\\n&lt;p&gt;This status is not final. Instant payouts may be rejected by the counterparty&#039;s bank and thus &lt;a href=\\&quot;#payout-failed\\&quot;&gt;fail&lt;\\\/a&gt;, and regular and wire transfers may be &lt;a href=\\&quot;#payout-returned\\&quot;&gt;returned&lt;\\\/a&gt; by the counterparty&#039;s bank. &lt;\\\/p&gt;\\n&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&quot;,&quot;altTitle&quot;:&quot;review-passed&quot;,&quot;oldTabId&quot;:1,&quot;relation&quot;:&quot;review-passed&quot;},{&quot;title&quot;:&quot;Review failed&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;If the transfer fails Adyen&#039;s review process, we send a  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/transfer-webhooks\\\/latest\\\/post\\\/balancePlatform.transfer.updated\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;balancePlatform.transfer.updated&lt;\\\/a&gt; webhook with a &lt;code&gt;tracking&lt;\\\/code&gt; event, specifying the following &lt;code&gt;trackingData&lt;\\\/code&gt;:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;&lt;code&gt;reason&lt;\\\/code&gt;: &lt;strong&gt;refusedForRegulatoryReasons&lt;\\\/strong&gt;&lt;\\\/li&gt;\\n&lt;li&gt;&lt;code&gt;status&lt;\\\/code&gt;: &lt;strong&gt;failed&lt;\\\/strong&gt;&lt;\\\/li&gt;\\n&lt;li&gt;&lt;code&gt;type&lt;\\\/code&gt;: &lt;strong&gt;internalReview&lt;\\\/strong&gt;&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;If this is the case, contact our &lt;a href=\\&quot;https:\\\/\\\/ca-test.adyen.com\\\/ca\\\/ca\\\/contactUs\\\/support.shtml?form=other\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot; class=\\&quot;external-link no-image\\&quot;&gt;Support Team&lt;\\\/a&gt;.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Transfer failed review&#039;\\&quot; :id=\\&quot;&#039;transfer-pending-failed&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;{\\\\n  \\\\\\&quot;data\\\\\\&quot;: {\\\\n    \\\\\\&quot;accountHolder\\\\\\&quot;: {\\\\n      \\\\\\&quot;description\\\\\\&quot;: \\\\\\&quot;Your description for the account holder\\\\\\&quot;,\\\\n      \\\\\\&quot;id\\\\\\&quot;: \\\\\\&quot;AH00000000000000000000001\\\\\\&quot;,\\\\n      \\\\\\&quot;reference\\\\\\&quot;: \\\\\\&quot;Your reference for the account holder\\\\\\&quot;\\\\n    },\\\\n    \\\\\\&quot;amount\\\\\\&quot;: {\\\\n      \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;EUR\\\\\\&quot;,\\\\n      \\\\\\&quot;value\\\\\\&quot;: 1000\\\\n    },\\\\n    \\\\\\&quot;balanceAccount\\\\\\&quot;: {\\\\n      \\\\\\&quot;description\\\\\\&quot;: \\\\\\&quot;Your description for the balance account\\\\\\&quot;,\\\\n      \\\\\\&quot;id\\\\\\&quot;: \\\\\\&quot;BA00000000000000000000001\\\\\\&quot;,\\\\n      \\\\\\&quot;reference\\\\\\&quot;: \\\\\\&quot;Your reference for the balance account\\\\\\&quot;\\\\n    },\\\\n    \\\\\\&quot;balancePlatform\\\\\\&quot;: \\\\\\&quot;YOUR_BALANCE_PLATFORM\\\\\\&quot;,\\\\n    \\\\\\&quot;balances\\\\\\&quot;: [\\\\n      {\\\\n        \\\\\\&quot;balance\\\\\\&quot;: -1000,\\\\n        \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;EUR\\\\\\&quot;,\\\\n        \\\\\\&quot;received\\\\\\&quot;: 0,\\\\n        \\\\\\&quot;reserved\\\\\\&quot;: 0\\\\n      }\\\\n    ],\\\\n    \\\\\\&quot;category\\\\\\&quot;: \\\\\\&quot;bank\\\\\\&quot;,\\\\n    \\\\\\&quot;categoryData\\\\\\&quot;: {\\\\n      \\\\\\&quot;priority\\\\\\&quot;: \\\\\\&quot;regular\\\\\\&quot;,\\\\n      \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;bank\\\\\\&quot;\\\\n    },\\\\n    \\\\\\&quot;counterparty\\\\\\&quot;: {\\\\n      \\\\\\&quot;transferInstrumentId\\\\\\&quot;: \\\\\\&quot;SE00000000000000000000001\\\\\\&quot;\\\\n    },\\\\n    \\\\\\&quot;creationDate\\\\\\&quot;: \\\\\\&quot;2024-04-22T12:55:18+02:00\\\\\\&quot;,\\\\n    \\\\\\&quot;description\\\\\\&quot;: \\\\\\&quot;Your user description for the transfer\\\\\\&quot;,\\\\n    \\\\\\&quot;direction\\\\\\&quot;: \\\\\\&quot;outgoing\\\\\\&quot;,\\\\n    \\\\\\&quot;events\\\\\\&quot;: [\\\\n      {\\\\n        \\\\\\&quot;bookingDate\\\\\\&quot;: \\\\\\&quot;2024-04-22T12:55:20+02:00\\\\\\&quot;,\\\\n        \\\\\\&quot;id\\\\\\&quot;: \\\\\\&quot;EVJN00000000000000000000000001\\\\\\&quot;,\\\\n        \\\\\\&quot;mutations\\\\\\&quot;: [\\\\n          {\\\\n            \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;EUR\\\\\\&quot;,\\\\n            \\\\\\&quot;received\\\\\\&quot;: -10000\\\\n          }\\\\n        ],\\\\n        \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;received\\\\\\&quot;,\\\\n        \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;accounting\\\\\\&quot;\\\\n      },\\\\n      {\\\\n        \\\\\\&quot;bookingDate\\\\\\&quot;: \\\\\\&quot;2024-04-22T12:55:20+02:00\\\\\\&quot;,\\\\n        \\\\\\&quot;id\\\\\\&quot;: \\\\\\&quot;EVJN00000000000000000000000002\\\\\\&quot;,\\\\n        \\\\\\&quot;mutations\\\\\\&quot;: [\\\\n          {\\\\n            \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;EUR\\\\\\&quot;,\\\\n            \\\\\\&quot;received\\\\\\&quot;: 1000,\\\\n            \\\\\\&quot;reserved\\\\\\&quot;: -1000\\\\n          }\\\\n        ],\\\\n        \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;authorised\\\\\\&quot;,\\\\n        \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;accounting\\\\\\&quot;\\\\n      },\\\\n      {\\\\n        \\\\\\&quot;bookingDate\\\\\\&quot;: \\\\\\&quot;2024-04-22T12:55:20+02:00\\\\\\&quot;,\\\\n        \\\\\\&quot;id\\\\\\&quot;: \\\\\\&quot;EVJN00000000000000000000000003\\\\\\&quot;,\\\\n        \\\\\\&quot;mutations\\\\\\&quot;: [\\\\n          {\\\\n            \\\\\\&quot;balance\\\\\\&quot;: -1000,\\\\n            \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;EUR\\\\\\&quot;,\\\\n            \\\\\\&quot;received\\\\\\&quot;: 0,\\\\n            \\\\\\&quot;reserved\\\\\\&quot;: 1000\\\\n          }\\\\n        ],\\\\n        \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;booked\\\\\\&quot;,\\\\n        \\\\\\&quot;transactionId\\\\\\&quot;: \\\\\\&quot;EVJN42272224222B5JB8BRC84N686ZEUR\\\\\\&quot;,\\\\n        \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;accounting\\\\\\&quot;,\\\\n        \\\\\\&quot;valueDate\\\\\\&quot;: \\\\\\&quot;2024-04-22T12:55:18+02:00\\\\\\&quot;\\\\n      },\\\\n      {\\\\n        \\\\\\&quot;id\\\\\\&quot;: \\\\\\&quot;6JKRLZ8LOT47J7RY\\\\\\&quot;,\\\\n        \\\\\\&quot;trackingData\\\\\\&quot;: {\\\\n          \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;pending\\\\\\&quot;,\\\\n          \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;internalReview\\\\\\&quot;\\\\n        },\\\\n        \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;tracking\\\\\\&quot;,\\\\n        \\\\\\&quot;updateDate\\\\\\&quot;: \\\\\\&quot;2024-04-22T12:55:29+02:00\\\\\\&quot;\\\\n      },\\\\n      {\\\\n        \\\\\\&quot;id\\\\\\&quot;: \\\\\\&quot;6JKRLZ8LOT47J7RY\\\\\\&quot;,\\\\n        \\\\\\&quot;trackingData\\\\\\&quot;: {\\\\n          \\\\\\&quot;reason\\\\\\&quot;: \\\\\\&quot;refusedForRegulatoryReasons\\\\\\&quot;,\\\\n          \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;failed\\\\\\&quot;,\\\\n          \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;internalReview\\\\\\&quot;\\\\n        },\\\\n        \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;tracking\\\\\\&quot;,\\\\n        \\\\\\&quot;updateDate\\\\\\&quot;: \\\\\\&quot;2024-04-22T12:57:28+02:00\\\\\\&quot;\\\\n      }\\\\n    ],\\\\n    \\\\\\&quot;id\\\\\\&quot;: \\\\\\&quot;6JKRLZ8LOT47J7RY\\\\\\&quot;,\\\\n    \\\\\\&quot;reason\\\\\\&quot;: \\\\\\&quot;approved\\\\\\&quot;,\\\\n    \\\\\\&quot;reference\\\\\\&quot;: \\\\\\&quot;Your user reference for the transfer\\\\\\&quot;,\\\\n    \\\\\\&quot;referenceForBeneficiary\\\\\\&quot;: \\\\\\&quot;Your user reference for the beneficiary\\\\\\&quot;,\\\\n    \\\\\\&quot;sequenceNumber\\\\\\&quot;: 5,\\\\n    \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;booked\\\\\\&quot;,\\\\n    \\\\\\&quot;tracking\\\\\\&quot;: {\\\\n      \\\\\\&quot;reason\\\\\\&quot;: \\\\\\&quot;refusedForRegulatoryReasons\\\\\\&quot;,\\\\n      \\\\\\&quot;status\\\\\\&quot;: \\\\\\&quot;failed\\\\\\&quot;,\\\\n      \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;internalReview\\\\\\&quot;\\\\n    },\\\\n    \\\\\\&quot;transactionRulesResult\\\\\\&quot;: {\\\\n      \\\\\\&quot;allHardBlockRulesPassed\\\\\\&quot;: true,\\\\n      \\\\\\&quot;score\\\\\\&quot;: 0\\\\n    },\\\\n    \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;bankTransfer\\\\\\&quot;\\\\n  },\\\\n  \\\\\\&quot;environment\\\\\\&quot;: \\\\\\&quot;test\\\\\\&quot;,\\\\n  \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;balancePlatform.transfer.updated\\\\\\&quot;\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:&quot;review-failed&quot;,&quot;oldTabId&quot;:1,&quot;relation&quot;:&quot;review-failed&quot;}]\"\n            :should-update-when-url-changes='true'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<h2>Payout transfer failed<\/h2>\n<p>The payout transfer can fail if it is rejected by an external banking system and any automatic retries are unsuccessful. For  payouts using instant bank transfers with end-to-end confirmation from the counterparty's bank, this is the status when the counterparty's bank rejects the transfer.<\/p>\n<p>When a payout transfer fails, Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a> webhook with:<\/p>\n<ul>\n<li><code>status<\/code>: <strong>failed<\/strong><\/li>\n<li>The <code>transactionId<\/code><\/li>\n<li>The <code>reason<\/code> for the failure. For more information, see <a href=\"#return-reason-codes\">Return reason codes<\/a>.<\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Transfer failed'\" :id=\"'transfer-failed'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"data\\\": {\\n    \\\"accountHolder\\\": {\\n      \\\"description\\\": \\\"Your description for the account holder\\\",\\n      \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the account holder\\\"\\n    },\\n    \\\"amount\\\": {\\n      \\\"currency\\\": \\\"EUR\\\",\\n      \\\"value\\\": 10000\\n    },\\n    \\\"balanceAccount\\\": {\\n      \\\"description\\\": \\\"Your description for the balance account\\\",\\n      \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the balance account\\\"\\n    },\\n    \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n    \\\"balances\\\": [\\n      {\\n        \\\"balance\\\": 0,\\n        \\\"currency\\\": \\\"EUR\\\",\\n        \\\"received\\\": 0,\\n        \\\"reserved\\\": 0\\n      }\\n    ],\\n    \\\"category\\\": \\\"bank\\\",\\n    \\\"categoryData\\\": {\\n      \\\"priority\\\": \\\"regular\\\",\\n      \\\"type\\\": \\\"bankTransfer\\\"\\n    },\\n    \\\"counterparty\\\": {\\n      \\\"transferInstrumentId\\\": \\\"SE00000000000000000000001\\\"\\n    },\\n    \\\"creationDate\\\": \\\"2023-02-28T13:30:05+02:00\\\",\\n    \\\"description\\\": \\\"Your user description for the transfer\\\",\\n    \\\"direction\\\": \\\"outgoing\\\",\\n    \\\"events\\\": [\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000001\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"received\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000002\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 10000,\\n            \\\"reserved\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"authorised\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000003\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"balance\\\": -10000,\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 0,\\n            \\\"reserved\\\": 10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"booked\\\",\\n        \\\"transactionId\\\": \\\"EVJN42272224222B5JB8BRC84N686ZEUR\\\",\\n        \\\"type\\\": \\\"accounting\\\",\\n        \\\"valueDate\\\": \\\"2023-03-01T12:58:25+01:00\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000004\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"balance\\\": 10000,\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 0\\n          }\\n        ],\\n        \\\"reason\\\": \\\"counterpartyAccountNotFound\\\",\\n        \\\"status\\\": \\\"failed\\\",\\n        \\\"transactionId\\\": \\\"EVJN42271114222B5JB8BRC76N686ZHBG\\\",\\n        \\\"type\\\": \\\"accounting\\\",\\n        \\\"valueDate\\\": \\\"2023-03-01T12:58:25+01:00\\\"\\n      }\\n    ],\\n    \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n    \\\"reason\\\": \\\"approved\\\",\\n    \\\"reference\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"referenceForBeneficiary\\\": \\\"Your user reference for the beneficiary\\\",\\n    \\\"sequenceNumber\\\": 4,\\n    \\\"transactionRulesResult\\\": {\\n      \\\"allHardBlockRulesPassed\\\": true\\n    },\\n    \\\"status\\\": \\\"failed\\\",\\n    \\\"type\\\": \\\"bankTransfer\\\"\\n  },\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"type\\\": \\\"balancePlatform.transfer.updated\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Payout transfer tracking<\/h2>\n<p>When the transfer is completed, Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a> webhook event with a <code>tracking<\/code> event type, specifying the <code>estimatedArrivalTime<\/code>. This is the estimated time when the funds will be credited in the counterparty bank account.<\/p>\n<p>The estimated time is based on the official clearing system regulations that outline credit fund availability requirements. If the beneficiary bank does not adhere to the official regulations, the actual time of arrival can deviate from the estimate.<\/p>\n<p>Estimated Time of Arrival is currently available for all local payouts. It is <em>not<\/em> available for instant or cross-border payouts.<\/p>\n<\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Estimated time of arrival'\" :id=\"'transfer-tracking'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"data\\\": {\\n    \\\"accountHolder\\\": {\\n      \\\"description\\\": \\\"Your description for the account holder\\\",\\n      \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the account holder\\\"\\n    },\\n    \\\"amount\\\": {\\n      \\\"currency\\\": \\\"EUR\\\",\\n      \\\"value\\\": 10000\\n    },\\n    \\\"balanceAccount\\\": {\\n      \\\"description\\\": \\\"Your description for the balance account\\\",\\n      \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the balance account\\\"\\n    },\\n    \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n    \\\"balances\\\": [\\n      {\\n        \\\"balance\\\": -10000,\\n        \\\"currency\\\": \\\"EUR\\\",\\n        \\\"received\\\": 0,\\n        \\\"reserved\\\": 0\\n      }\\n    ],\\n    \\\"category\\\": \\\"bank\\\",\\n    \\\"categoryData\\\": {\\n      \\\"priority\\\": \\\"regular\\\",\\n      \\\"type\\\": \\\"bankTransfer\\\"\\n    },\\n    \\\"counterparty\\\": {\\n      \\\"transferInstrumentId\\\": \\\"SE00000000000000000000001\\\"\\n    },\\n    \\\"creationDate\\\": \\\"2023-02-28T13:30:05+02:00\\\",\\n    \\\"description\\\": \\\"Your user description for the transfer\\\",\\n    \\\"direction\\\": \\\"outgoing\\\",\\n    \\\"events\\\": [\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000001\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"received\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000002\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 10000,\\n            \\\"reserved\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"authorised\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000003\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"balance\\\": -10000,\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 0,\\n            \\\"reserved\\\": 10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"booked\\\",\\n        \\\"transactionId\\\": \\\"EVJN42272224222B5JB8BRC84N686ZEUR\\\",\\n        \\\"type\\\": \\\"accounting\\\",\\n        \\\"valueDate\\\": \\\"2023-03-01T12:58:25+01:00\\\"\\n      },\\n      {\\n        \\\"estimatedArrivalTime\\\": \\\"2023-03-02T07:00:00+00:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000004\\\",\\n        \\\"trackingData\\\": {\\n          \\\"estimatedArrivalTime\\\": \\\"2023-03-02T07:00:00+00:00\\\",\\n          \\\"type\\\": \\\"estimation\\\"\\n        },\\n        \\\"type\\\": \\\"tracking\\\",\\n        \\\"updateDate\\\": \\\"2023-03-01T17:59:34+01:00\\\"\\n      }\\n    ],\\n    \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n    \\\"reason\\\": \\\"approved\\\",\\n    \\\"reference\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"referenceForBeneficiary\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"sequenceNumber\\\": 4,\\n    \\\"transactionRulesResult\\\": {\\n      \\\"allHardBlockRulesPassed\\\": true\\n    },\\n    \\\"status\\\": \\\"booked\\\",\\n    \\\"tracking\\\": {\\n      \\\"estimatedArrivalTime\\\": \\\"2023-03-02T07:00:00+00:00\\\",\\n      \\\"type\\\": \\\"estimation\\\"\\n    },\\n    \\\"type\\\": \\\"bankTransfer\\\"\\n  },\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"type\\\": \\\"balancePlatform.transfer.updated\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Payout transfer credited<\/h2>\n<p>If a transfer with <code>priority<\/code> <strong>instant<\/strong> is completed, then Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a> webhook event to confirm that the funds have been credited. The webhook includes a <code>tracking<\/code> event type with the tracking <code>status<\/code> <strong>credited<\/strong>.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Transfer credited'\" :id=\"'transfer-credited'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"data\\\": {\\n    \\\"accountHolder\\\": {\\n      \\\"description\\\": \\\"Your description for the account holder\\\",\\n      \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the account holder\\\"\\n    },\\n    \\\"amount\\\": {\\n      \\\"currency\\\": \\\"EUR\\\",\\n      \\\"value\\\": 10000\\n    },\\n    \\\"balanceAccount\\\": {\\n      \\\"description\\\": \\\"Your description for the balance account\\\",\\n      \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the balance account\\\"\\n    },\\n    \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n    \\\"balances\\\": [\\n      {\\n        \\\"balance\\\": -10000,\\n        \\\"currency\\\": \\\"EUR\\\",\\n        \\\"received\\\": 0,\\n        \\\"reserved\\\": 0\\n      }\\n    ],\\n    \\\"category\\\": \\\"bank\\\",\\n    \\\"categoryData\\\": {\\n      \\\"priority\\\": \\\"instant\\\",\\n      \\\"type\\\": \\\"bankTransfer\\\"\\n    },\\n    \\\"counterparty\\\": {\\n      \\\"transferInstrumentId\\\": \\\"SE00000000000000000000001\\\"\\n    },\\n    \\\"creationDate\\\": \\\"2023-02-28T13:30:05+02:00\\\",\\n    \\\"description\\\": \\\"Your user description for the transfer\\\",\\n    \\\"direction\\\": \\\"outgoing\\\",\\n    \\\"events\\\": [\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000001\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"received\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000002\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 10000,\\n            \\\"reserved\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"authorised\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000003\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"balance\\\": -10000,\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 0,\\n            \\\"reserved\\\": 10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"booked\\\",\\n        \\\"transactionId\\\": \\\"EVJN42272224222B5JB8BRC84N686ZEUR\\\",\\n        \\\"type\\\": \\\"accounting\\\",\\n        \\\"valueDate\\\": \\\"2023-03-01T12:58:25+01:00\\\"\\n      },\\n      {\\n        \\\"id\\\": \\\"EVJN00000000000000000000000004\\\",\\n        \\\"status\\\": \\\"credited\\\",\\n        \\\"trackingData\\\": {\\n          \\\"status\\\": \\\"credited\\\",\\n          \\\"type\\\": \\\"confirmation\\\"\\n        },\\n        \\\"type\\\": \\\"tracking\\\",\\n        \\\"updateDate\\\": \\\"2023-03-01T12:58:25+01:00\\\"\\n      }\\n    ],\\n    \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n    \\\"reason\\\": \\\"approved\\\",\\n    \\\"reference\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"referenceForBeneficiary\\\": \\\"Your user reference for the beneficiary\\\",\\n    \\\"sequenceNumber\\\": 4,\\n    \\\"transactionRulesResult\\\": {\\n      \\\"allHardBlockRulesPassed\\\": true\\n    },\\n    \\\"status\\\": \\\"booked\\\",\\n    \\\"tracking\\\": {\\n      \\\"status\\\": \\\"credited\\\",\\n      \\\"type\\\": \\\"confirmation\\\"\\n    },\\n    \\\"type\\\": \\\"bankTransfer\\\"\\n  },\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"type\\\": \\\"balancePlatform.transfer.updated\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2>Payout transfer returned<\/h2>\n<p>If the payout transfer is returned by the counterparty's bank, then Adyen sends a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a> webhook event with:<\/p>\n<ul>\n<li><code>status<\/code>: <strong>returned<\/strong><\/li>\n<li>The <code>transactionId<\/code><\/li>\n<li>The <code>reason<\/code> for not accepting the transfer. For more information, see <a href=\"#return-reason-codes\">Reason codes<\/a>.<\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Transfer returned'\" :id=\"'transfer-returned'\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"data\\\": {\\n    \\\"accountHolder\\\": {\\n      \\\"description\\\": \\\"Your description for the account holder\\\",\\n      \\\"id\\\": \\\"AH00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the account holder\\\"\\n    },\\n    \\\"amount\\\": {\\n      \\\"currency\\\": \\\"EUR\\\",\\n      \\\"value\\\": 10000\\n    },\\n    \\\"balanceAccount\\\": {\\n      \\\"description\\\": \\\"Your description for the balance account\\\",\\n      \\\"id\\\": \\\"BA00000000000000000000001\\\",\\n      \\\"reference\\\": \\\"Your reference for the balance account\\\"\\n    },\\n    \\\"balancePlatform\\\": \\\"YOUR_BALANCE_PLATFORM\\\",\\n    \\\"balances\\\": [\\n      {\\n        \\\"balance\\\": 0,\\n        \\\"currency\\\": \\\"EUR\\\",\\n        \\\"received\\\": 0,\\n        \\\"reserved\\\": 0\\n      }\\n    ],\\n    \\\"category\\\": \\\"bank\\\",\\n    \\\"categoryData\\\": {\\n      \\\"priority\\\": \\\"regular\\\",\\n      \\\"type\\\": \\\"bankTransfer\\\"\\n    },\\n    \\\"counterparty\\\": {\\n      \\\"transferInstrumentId\\\": \\\"SE00000000000000000000001\\\"\\n    },\\n    \\\"creationDate\\\": \\\"2023-02-28T13:30:05+02:00\\\",\\n    \\\"description\\\": \\\"Your user description for the transfer\\\",\\n    \\\"direction\\\": \\\"outgoing\\\",\\n    \\\"events\\\": [\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000001\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"received\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000002\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 10000,\\n            \\\"reserved\\\": -10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"authorised\\\",\\n        \\\"type\\\": \\\"accounting\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000003\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"balance\\\": -10000,\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 0,\\n            \\\"reserved\\\": 10000\\n          }\\n        ],\\n        \\\"status\\\": \\\"booked\\\",\\n        \\\"transactionId\\\": \\\"EVJN42272224222B5JB8BRC84N686ZEUR\\\",\\n        \\\"type\\\": \\\"accounting\\\",\\n        \\\"valueDate\\\": \\\"2023-03-01T12:58:25+01:00\\\"\\n      },\\n      {\\n        \\\"bookingDate\\\": \\\"2023-02-28T13:30:18+02:00\\\",\\n        \\\"id\\\": \\\"EVJN00000000000000000000000004\\\",\\n        \\\"mutations\\\": [\\n          {\\n            \\\"balance\\\": 10000,\\n            \\\"currency\\\": \\\"EUR\\\",\\n            \\\"received\\\": 0\\n          }\\n        ],\\n        \\\"reason\\\": \\\"counterpartyAccountNotFound\\\",\\n        \\\"status\\\": \\\"returned\\\",\\n        \\\"transactionId\\\": \\\"EVJN42271114222B5JB8BRC76N686ZHBG\\\",\\n        \\\"type\\\": \\\"accounting\\\",\\n        \\\"valueDate\\\": \\\"2023-03-01T12:58:25+01:00\\\"\\n      }\\n    ],\\n    \\\"id\\\": \\\"6JKRLZ8LOT47J7RY\\\",\\n    \\\"reason\\\": \\\"approved\\\",\\n    \\\"reference\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"referenceForBeneficiary\\\": \\\"Your user reference for the transfer\\\",\\n    \\\"sequenceNumber\\\": 4,\\n    \\\"transactionRulesResult\\\": {\\n      \\\"allHardBlockRulesPassed\\\": true\\n    },\\n    \\\"status\\\": \\\"returned\\\",\\n    \\\"type\\\": \\\"bankTransfer\\\"\\n  },\\n  \\\"environment\\\": \\\"test\\\",\\n  \\\"type\\\": \\\"balancePlatform.transfer.updated\\\"\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h3>Return reason<\/h3>\n<p>Adyen includes a <code>reason<\/code> in the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/post\/balancePlatform.transfer.updated\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">balancePlatform.transfer.updated<\/a> webhook event to keep you informed about why the transfer was returned. The <a href=\"#return-reason-codes\">return reason codes<\/a> are based on the response Adyen receives from the user's bank. Some reasons indicate temporary issues that can be resolved when you retry the transfer. Others signify a permanent problem with the user's bank account details and require new bank details before you retry.<\/p>\n<p>Adyen blocks subsequent transfer attempts when a reason code indicates a permanent issue. When a transfer instrument is blocked, new transfer requests made with the user's bank account fail with a 422, \"<a href=\"\/platforms\/custom-payouts\/on-demand-payouts#transfers-to-counterparty-bank-account-is-blocked\">Transfers to counterparty bank account is blocked.<\/a>\" error.<\/p>\n<p>Refer to the <a href=\"#return-reason-codes\">reason codes<\/a> table below for a list of reason codes we recommend to retry.<\/p>\n<h2 id=\"return-reason-codes\">Return reason codes<\/h2>\n<p>The following table describes the reasons why a transfer may be rejected or returned by the counterparty's bank.<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Reason code<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<th style=\"text-align: left;\">Remediating action<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><code>amountLimitExceeded<\/code><\/td>\n<td style=\"text-align: left;\">The counterparty's bank or the payment system rejected this transfer because the value is too high.<\/td>\n<td style=\"text-align: left;\">Retry the transfer with a lower amount or with a different route.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>counterpartyBankUnavailable<\/code><\/td>\n<td style=\"text-align: left;\">The counterparty's bank is unavailable for real-time processing.<\/td>\n<td style=\"text-align: left;\">Retry the transfer later or with a different route.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>counterpartyAccountNotFound<\/code><\/td>\n<td style=\"text-align: left;\">The counterparty's bank is unable to locate the account with the provided details.<\/td>\n<td style=\"text-align: left;\">Check the bank account details provided in the transfer and retry.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>counterpartyAccountClosed<\/code><\/td>\n<td style=\"text-align: left;\">The counterparty's bank reported that the account exists, but it is closed.<\/td>\n<td style=\"text-align: left;\">Check the bank account details provided in the transfer and retry.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>counterpartyAccountBlocked<\/code><\/td>\n<td style=\"text-align: left;\">The counterparty's bank reported that the account is blocked or suspended.<\/td>\n<td style=\"text-align: left;\">Check the bank account details provided in the transfer and retry.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>counterpartyAddressRequired<\/code><\/td>\n<td style=\"text-align: left;\">The counterparty's bank requires the account holder's address to credit this transfer to the account.<\/td>\n<td style=\"text-align: left;\">Retry the transfer with full street address.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>counterpartyBankTimedOut<\/code><\/td>\n<td style=\"text-align: left;\">The counterparty's bank timed out while trying to process this request in real-time.<\/td>\n<td style=\"text-align: left;\">Retry the transfer later or with a different route.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>declinedByTransactionRule<\/code><\/td>\n<td style=\"text-align: left;\">Adyen declined the transfer because it did not comply with one or more <a href=\"\/business-accounts\/transaction-rules\/\">transaction rules<\/a> set by you or Adyen.<\/td>\n<td style=\"text-align: left;\">Check the transaction rules that are blocking the transfer to confirm if this outcome is expected. If this is not the expected outcome, try updating your transaction rules.<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>refusedByCounterpartyBank<\/code><\/td>\n<td style=\"text-align: left;\">The counterparty's bank refused the transfer without providing any further information regarding the underlying reason.<\/td>\n<td style=\"text-align: left;\">Check the bank account details provided in the transfer and\/or contact the counterparty's bank.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>unknown<\/code><\/td>\n<td style=\"text-align: left;\">No specific reason is known by Adyen for the failure, or the reported reason does not correspond to any of the codes above.<\/td>\n<td style=\"text-align: left;\">Check the bank account details provided in the transfer and retry. If problem persists, further manual investigation might be needed.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/platforms\/custom-payouts\/scheduled-payouts\/\"\n                        target=\"_self\"\n                        >\n                    Pay out on a schedule\n                <\/a><\/li><li><a href=\"\/platforms\/custom-payouts\/on-demand-payouts\/\"\n                        target=\"_self\"\n                        >\n                    Pay out on demand\n                <\/a><\/li><li><a href=\"\/platforms\/custom-payouts\/transfer-routes\/\"\n                        target=\"_self\"\n                        >\n                    Transfer routes\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/platforms\/payout-webhooks","articleFields":{"description":"Find out which webhooks Adyen sends for payout-related events.","feedback_component":true,"parameters":{"transferType":"payout","directoryPath":"\/platforms","model":"platform","counterpartyType":"transferInstrument"},"type":"page","_expandable":{"operations":""},"status":"current","filters_component":false,"last_edit_on":"21-03-2023 10:36"},"algolia":{"url":"https:\/\/docs.adyen.com\/platforms\/payout-webhooks","title":"Payout transfer webhooks","content":"When funds are transferred (paid out) from a balance account to your user's bank account, Adyen sends  Transfer webhooks to inform you of the progress and status changes of the transfer request. Use this guide to learn what payout-related transfer webhook events are sent, and how to configure your system to process them successfully.\nWhen a payout-related transfer is triggered in your balance platform, Adyen sends the following of webhooks:\n\n balancePlatform.transfer.created, which informs your server that an outgoing transfer is initiated from a balance account in your platform.\n balancePlatform.transfer.updated, which informs your server of the transfer status changes.\n\nRequirements\nTo keep track of payout-related transfer events in your platform, ensure that:\nBefore you begin, take into account the following requirements and preparations.\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nAn Adyen payout service integration.\n\n\nWebhooks\nTo keep track of payout-related events in your platform, make sure that:  Your server must be able to receive and accept webhooks.You have subscribed to Transfer webhooks and Transaction webhooks in your Customer Area.\n\n\n\nIdentify payout-related webhooks\nYou can identify transfer webhooks triggered by payout-related events by looking at the following values:\n\n\n\nParameter\nDescription\nValue\n\n\n\n\n category\nThe category of the transfer.\nbank\n\n\n direction\nThe direction of the transfer from the perspective of the balance account.\noutgoing\n\n\n type\nThe type of the transfer.\nbankTransfer\n\n\n\nAdyen sends webhooks for the following payout events:\n\nPayout transfer initiated\nPayout transfer authorized\nPayout transfer booked\nPayout transfer pending\nPayout transfer failed\nPayout transfer tracking\nPayout transfer credited\nPayout transfer returned\n\nThe following sections provide code samples for the events that trigger webhooks. These samples consider a use case where you pay out EUR 100.00 from a balance account to a third-party bank account.\nPayout transfer initiated\nAfter the transfer request for a payout is triggered, Adyen sends a  balancePlatform.transfer.created webhook event to inform your server that an outgoing transfer request has been created. The webhook provides information about the transfer, such as:\n\nThe amount of the payout.\nThe reference for the payout.\nThe referenceForBeneficiary.\nYour user's balanceAccount from which the funds will be deducted.\nDetails of the accountHolder linked to your user's balance account.\nDetails of the counterparty in the transfer, which is your user's transfer instrument.\n\n\n    \n\nPayout transfer authorised\nWhen the transfer request for the payout is authorized, Adyen sends a  balancePlatform.transfer.updated webhook event to inform your server that the transfer amount has been reserved on the account. This webhook includes the status authorised.\n\n    \n\nPayout transfer booked\nWhen the funds are deducted from your user's balance account, Adyen sends a  balancePlatform.transfer.updated webhook event with:\n\ndirection: outgoing\nstatus: booked\ncounterparty: details of the external transfer instrument.\nevents.transactionId: ID of the transaction\n\nThis status is not final. Instant payouts may be rejected by the counterparty's bank and thus fail, and regular and wire transfers may be returned by the counterparty's bank. \n\n    \n\nPayout transfer pending\nAfter the funds are deducted from your user's balance account, the transfer is automatically analyzed to ensure that it complies with Adyen's policies. If a transfer is flagged, Adyen reviews the transfer.\nIn order to speed up the screening process and reduce the amount of manual effort needed, we recommend that you provide as much information as possible in the transfer request. For example, include all counterparty details in the  accountHolder object.\nIn this case, Adyen sends a  balancePlatform.transfer.updated webhook event with a tracking event type, specifying the following trackingData details:\n\nstatus:  pending\ntype: internalReview\n\n\n    \n\nAfter Adyen reviews the transfer details, we send a webhook to notify you of the outcome.\n\n\n    \n        \n        \n    \n\n\nPayout transfer failed\nThe payout transfer can fail if it is rejected by an external banking system and any automatic retries are unsuccessful. For  payouts using instant bank transfers with end-to-end confirmation from the counterparty's bank, this is the status when the counterparty's bank rejects the transfer.\nWhen a payout transfer fails, Adyen sends a  balancePlatform.transfer.updated webhook with:\n\nstatus: failed\nThe transactionId\nThe reason for the failure. For more information, see Return reason codes.\n\n\n    \n\nPayout transfer tracking\nWhen the transfer is completed, Adyen sends a  balancePlatform.transfer.updated webhook event with a tracking event type, specifying the estimatedArrivalTime. This is the estimated time when the funds will be credited in the counterparty bank account.\nThe estimated time is based on the official clearing system regulations that outline credit fund availability requirements. If the beneficiary bank does not adhere to the official regulations, the actual time of arrival can deviate from the estimate.\nEstimated Time of Arrival is currently available for all local payouts. It is not available for instant or cross-border payouts.\n\n\n\n    \n\nPayout transfer credited\nIf a transfer with priority instant is completed, then Adyen sends a  balancePlatform.transfer.updated webhook event to confirm that the funds have been credited. The webhook includes a tracking event type with the tracking status credited.\n\n    \n\nPayout transfer returned\nIf the payout transfer is returned by the counterparty's bank, then Adyen sends a  balancePlatform.transfer.updated webhook event with:\n\nstatus: returned\nThe transactionId\nThe reason for not accepting the transfer. For more information, see Reason codes.\n\n\n    \n\nReturn reason\nAdyen includes a reason in the  balancePlatform.transfer.updated webhook event to keep you informed about why the transfer was returned. The return reason codes are based on the response Adyen receives from the user's bank. Some reasons indicate temporary issues that can be resolved when you retry the transfer. Others signify a permanent problem with the user's bank account details and require new bank details before you retry.\nAdyen blocks subsequent transfer attempts when a reason code indicates a permanent issue. When a transfer instrument is blocked, new transfer requests made with the user's bank account fail with a 422, \"Transfers to counterparty bank account is blocked.\" error.\nRefer to the reason codes table below for a list of reason codes we recommend to retry.\nReturn reason codes\nThe following table describes the reasons why a transfer may be rejected or returned by the counterparty's bank.\n\n\n\nReason code\nDescription\nRemediating action\n\n\n\n\namountLimitExceeded\nThe counterparty's bank or the payment system rejected this transfer because the value is too high.\nRetry the transfer with a lower amount or with a different route.\n\n\ncounterpartyBankUnavailable\nThe counterparty's bank is unavailable for real-time processing.\nRetry the transfer later or with a different route.\n\n\ncounterpartyAccountNotFound\nThe counterparty's bank is unable to locate the account with the provided details.\nCheck the bank account details provided in the transfer and retry.\n\n\ncounterpartyAccountClosed\nThe counterparty's bank reported that the account exists, but it is closed.\nCheck the bank account details provided in the transfer and retry.\n\n\ncounterpartyAccountBlocked\nThe counterparty's bank reported that the account is blocked or suspended.\nCheck the bank account details provided in the transfer and retry.\n\n\ncounterpartyAddressRequired\nThe counterparty's bank requires the account holder's address to credit this transfer to the account.\nRetry the transfer with full street address.\n\n\ncounterpartyBankTimedOut\nThe counterparty's bank timed out while trying to process this request in real-time.\nRetry the transfer later or with a different route.\n\n\ndeclinedByTransactionRule\nAdyen declined the transfer because it did not comply with one or more transaction rules set by you or Adyen.\nCheck the transaction rules that are blocking the transfer to confirm if this outcome is expected. If this is not the expected outcome, try updating your transaction rules.\n\n\n\nrefusedByCounterpartyBank\nThe counterparty's bank refused the transfer without providing any further information regarding the underlying reason.\nCheck the bank account details provided in the transfer and\/or contact the counterparty's bank.\n\n\nunknown\nNo specific reason is known by Adyen for the failure, or the reported reason does not correspond to any of the codes above.\nCheck the bank account details provided in the transfer and retry. If problem persists, further manual investigation might be needed.\n\n\n\nSee also\n\n\n                    Pay out on a schedule\n                \n                    Pay out on demand\n                \n                    Transfer routes\n                \n","type":"page","locale":"en","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Platforms","lvl2":"Payout transfer webhooks"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/platforms","lvl2":"\/platforms\/payout-webhooks"},"levels":3,"category":"Platforms","category_color":"green","tags":["Payout","transfer","webhooks"]},"articleFiles":{"transfer-authorised.json":"<p alt=\"\">transfer-authorised.json<\/p>","transfer-booked.json":"<p alt=\"\">transfer-booked.json<\/p>","transfer-credited.json":"<p alt=\"\">transfer-credited.json<\/p>","transfer-failed.json":"<p alt=\"\">transfer-failed.json<\/p>","transfer-initiated.json":"<p alt=\"\">transfer-initiated.json<\/p>","transfer-pending-failed.json":"<p alt=\"\">transfer-pending-failed.json<\/p>","transfer-pending.json":"<p alt=\"\">transfer-pending.json<\/p>","transfer-returned.json":"<p alt=\"\">transfer-returned.json<\/p>","transfer-tracking.json":"<p alt=\"\">transfer-tracking.json<\/p>"}}