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Manage funds

Add funds to balance accounts.

Before a cardholder can use their card to make a payment, the balance account associated with the card needs to have funds.

You can get funds into balance accounts by:

Funding your liable account

You can fund your liable balance account, and from there you can transfer funds to your users' balance accounts.
To find out how you can deposit funds into your liable balance account, reach out to your Adyen contact.

Transfer funds between balance accounts

Before you can transfer funds, you need an additional role for your API credential and transfers must be enabled for the source balance account. Reach out to your Adyen contact to get the required permissions.

You can transfer funds between balance accounts in your platform. For example, you can move funds from your liable balance account to your user's balance account.

To do this, make a POST /transfers request specifying:

  • amount: The amount of the transfer.
  • reference: Your unique reference for the transfer.
  • destination.balanceAccountId: Unique identifier of the balance account where the funds will be transferred to.
  • source.balanceAccountId: Unique identifier of the balance account where the funds will be taken from. Transfers must be enabled on the source balance account. Your Adyen contact will enable this for you.

Here's an example of how you can transfer 100 EUR from your liable balance account to another balance account.

Create a transfer
curl \
-H "content-type: application/json" \
-d '{
    "amount": {
        "value": 10000,
        "currency": "EUR"
    "description": "YOUR_DESCRIPTION",
    "reference": "YOUR_UNIQUE_REFERENCE",
    "destination": {
        "balanceAccountId": "BA32272223222B5LPRFDW7J9G"
    "source": {
        "balanceAccountId": "BA32272223211C78CZ3T52DKZ"

The response contains the result of the transfer request.

    "id": "1W1UG35OTDG7U2X6",
    "resultCode": "Authorised"

Split payments between accounts

If you are processing payments with Adyen, you can also fund balance accounts by splitting a payment in any number of ways among any number of balance accounts.

To split a payment, include the splits array in your POST /payments request.

For each split object in the array, specify the following fields:

  • account: The unique identifier of the balance account where you want to send the funds to. This is only required when type is BalanceAccount. For other types, the amount will be sent to your liable balance account.
  • amount: The amount to be sent to the balance account.
  • reference: Your unique identifier for the split. You will need this reference when performing refunds.
  • type: Specify if the split is for VAT, Commission, or BalanceAccount.

For example, you can split a 150.00 USD payment such that:

  • 3.00 USD goes to your liable balance account as commission.
  • 147.00 USD goes to your user's balance account with id BAA1B2C3D4E5F6G7H8I9J0.
Split a payment
curl \
-H "x-API-key: YOUR_X-API-KEY" \
-H "content-type: application/json" \
-d '{
      "number":"4400 0000 0000 0008",
      "holderName":"John Smith",