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Business bank accounts

Enable your users to use an Adyen Business Account.


Countries: BE, DE, ES, FR, GB, NL and US for both the user's legal entity and all individuals associated with the user's legal entity.

This feature is in development phase. Some of the APIs, documentation, and processes may change as the feature evolves. If you have any feedback, reach out to your Adyen contact.

With your Adyen for Platforms integration, you can take advantage of all the features our infrastructure offers, such as allowing your users to use an Adyen business account. Adyen business accounts are the equivalents of bank accounts.

When a user has an Adyen business bank account, they can:

  • Send and receive domestic and international bank transfers. They can make business-related fund transfers, such as paying supplier invoices or utilities, or receive business-related fund transfers from any third party, such as payments from businesses or customers, directly to their business bank account.
  • Get paid out in a simpler and faster way. They can receive payouts directly to their Adyen business bank account instead of paying out to a third-party bank account.

Concepts and resources

For each user that you want to issue an Adyen business bank account, you must:

  • Have an accountHolder: A user's entity within the balance platform. Depending on your account structure, the account holder can either be your company, or your customers.
  • Have a balanceAccount: Account where funds are held for an account holder. All financial activity happens through balance accounts. Each account holder can have one or more balance accounts for accounting flexibility, but in most use cases, a single balance account is sufficient.
  • Create a paymentInstrument: The business bank account itself — an externally-facing payment instrument for interacting with funds on the associated balance account. Creating a payment instrument generates a bank account number. Each balance account can have only one payment instrument of type bankAccount.

Here are two examples of a setup with:

  1. Example 1: an account holder with one balance account linked to a payment instrument of type bankAccount.
  2. Example 2: an account holder with two balance accounts, each linked to a respective payment instrument of type bankAccount.


Before you can offer Adyen business bank accounts to your users, you must:

  • Ensure that your users are eligible for an Adyen business bank account:
    • They must be an organization or a sole proprietor operating in BE, DE, ES, FR, GB, NL or US.
    • Individuals associated with an organization or a sole proprietor must be tax residents in BE, DE, ES, FR, GB, NL or US.
    • They must provide additional required information for business bank accounts.
  • Ensure that creating business bank accounts has been enabled for your platform. To confirm this, ask your Adyen contact.
  • Implement Adyen's Authentication SDK to comply with the PSD2 regulations for online transactions.

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