Are you looking for test card numbers?

Would you like to contact support?

No momento, esta página não está disponível em português
Default icon

Activate merchant account

Configure your user's payment methods and payout settings, and activate their merchant account.

If you onboarded your users in Essentials, the configuration described on this page is done automatically according to the setup you previously agreed on with your Adyen contact.

If you onboarded your users through Adyen's hosted onboarding page or chose the custom onboarding option, you must configure the created merchant accounts.

Step 1: Configure payment methods

For the initial setup or when your users want to offer a new payment method to their customers, they must contact you to add that payment method to their merchant account.

To request adding a payment method to your user's store, make a POST /paymentMethodSettings request with your user's merchant account in the path. In your request, specify:

Parameter Required Description
type -white_check_mark- Payment method . Some payment methods require an additional object with payment method details.
businessLineId -white_check_mark- The unique identifier of your user's business line that you want to request a payment method for.
storeId The id of the store that you get when creating a store.
countries The list of countries to enable with the payment method. To enable all countries supported by the payment method, set to ANY or send empty.
currencies The list of currencies to enable with the payment method. To enable all currencies supported by the payment method, set to ANY or send empty.

Some payment methods require additional parameters. Make sure to collect this information from your users before adding the payment method.

After a payment method is successfully added to the merchant account, you will receive a paymentMethod.created notification.

The following example shows the notification you receive after adding visa payment method to a merchant account.

Visa payment method created
  "createdAt": "2023-01-24T14:59:11+01:00",
  "data": {
    "id": "PM3224R223224K5FH4M2K9B86",
    "merchantId": "MERCHANT_ACCOUNT_ID",
    "result": "SUCCESS",
    "storeId": "ST322LJ223223K5F4SQNR9XL5",
    "type": "visa"
  "environment": "test",
  "type": "paymentMethod.created"

Step 2 (Optional): Get the bank account details

If you collected your user's information through the hosted onboarding page, you must send an API request to query the ID of their transfer instrument. The transfer instrument resource is created automatically when your user enters their bank account details. You will need this ID to enable payouts for your user.

To get the ID of the transfer instrument, send a GET /legalEntities/{id} request, specifying the ID of the main legal entity in the path.

The response contains the resource.

Get transfer instrument ID
    "capabilities": {
        "receivePayments": {
            "allowed": true,
            "requested": true,
            "verificationStatus": "valid"
        "sendToTransferInstrument": {
            "allowed": true,
            "requested": true,
            "verificationStatus": "valid"
    "entityAssociations": [
            "associatorId": "LE00000000000000000000001",
            "entityType": "soleProprietorship",
            "legalEntityId": "LE00000000000000000000002",
            "name": "Sole Proprietorship",
            "type": "soleProprietorship"
    "individual": {
        "email": "",
        "phone": {
            "number": "+4912345678901",
            "type": "mobile"
        "birthData": {
            "dateOfBirth": "1991-02-17"
        "identificationData": {
            "nationalIdExempt": true
        "name": {
            "firstName": "Shelly",
            "lastName": "Eller"
        "residentialAddress": {
            "city": "Berlin",
            "country": "DE",
            "postalCode": "10407",
            "street": "Berliner Strasse 1"
    "type": "individual",
    "id": "LE00000000000000000000001",
    "transferInstruments": [
            "id": "SE00000000000000000000001",
            "accountIdentifier": "NL**INGB******7557"

Step 3: Enable payouts

Before you enable payouts, make sure that the sendToTransferInstrument capability is allowed for the merchant account. You can find this information in the merchant.updated webhook you receive after your user submits their verification data, or in the response for the GET /legalEntities/{id} request.

To enable payouts for your user, make a /merchants/{merchantId}/payoutSettings call with the merchant account's ID in the path, and specifying the following in the body of the request:

Parameter Required Description
enabled Set to true.
enabledFromDate The date when Adyen starts paying out to this bank account.
transferInstrumentId -white_check_mark- The unique identifier of the transfer instrument that contains the details of the bank account.
Enable payouts
curl \
-H "Content-Type: application/json" \
-H "x-API-key: YOUR_API_KEY" \
-d '{

Step 4: Activate merchant account

To activate your user's merchant account, make a POST /merchants/{merchantId}/activate call, specifying the merchant account's ID in the path.

After the merchant account is activated, your user can start processing payments and receive payouts to their specified bank account.