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Using an Adyen business bank account

Receive and send funds using an Adyen business bank account.

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

  • Receive business-related payments to their Adyen business bank account.
  • Send business-related fund transfers or payments to third-party bank accounts. For example, they can pay out their suppliers from their Adyen business bank account.

Receiving funds

The sender can send the funds to the Adyen business bank account number. This account number is returned in the API response when you created the business bank account number.

Your users must have the receiveFromThirdParty capability allowed and enabled before they can receive funds to their Adyen business bank account.

When Adyen receives funds, Adyen informs your server through a webhook.

Sending funds

Your user can send funds from their Adyen business bank account to external third-party bank accounts and their business bank account number will be shown in the bank statement of the recipient.

Your users must have the sendToThirdParty capability allowed and enabled before they can send funds from their Adyen business bank account to third-party accounts.

Third-party accounts are accounts not owned by your user and therefore not connected to their legal entity as a transfer instrument. Currently, Adyen only supports sending funds to third-party bank accounts. In the future, you will be able to send to third-party wallets and cards.

Before your user can send funds to third parties, reach out to your Adyen contact to:

  • Add an additional role for your API credential.
  • Enable transfers for the source balance account.

Send funds to third parties

When sending funds to third-party bank accounts, the required bank account details depend on the bank identification type. There are also additional required fields if you're doing a cross-border transfer. Additionally, you can validate the third-party bank account before sending funds to avoid failed transfers due to incorrect details.

To start a transfer, make a POST /transfers request specifying:

Parameter name Required Description
balanceAccountId -white_check_mark- The ID of the balance account from which funds are deducted.
category -white_check_mark- Set to bank.
bankAccount -white_check_mark- Contains details about the bank account and its owner.
  • The accountHolder.fullName is always required. For cross-border transfers, the accountHolder.address object is also required.
  • The accountIdentification is required. The fields that you need to send in this object are determined by the accountIdentification.type. See bank account identification types.
priority -white_check_mark- The priority of the bank transfer, which affects the speed of the transfer and the fees you have to pay.
description Your description for the transfer. See here for allowed characters.
reference Your reference for the transfer. This is only used within your platform and not sent to the recipient. If you don't provide this in the request, Adyen generates a unique reference.
referenceForBeneficiary Your reference for the transfer that Adyen sends to the recipient.

Select a tab below for examples.

Here is an example of a local funds transfer of EUR funds to an IBAN bank account. When providing the details of the bank account, set the accountIdentification.type to iban.

For possible values for local transfers, see Bank account identification types.

Local funds transfer to an IBAN bank account 
curl https://balanceplatform-api-test.adyen.com/btl/v3/transfers \
-H "content-type: application/json" \
-H "X-API-Key: YOUR_API_KEY" \
-X POST \
-d '{
    "amount": {
      "currency": "EUR",
      "value": 150000
    },
    "category": "bank",
    "priority": "regular",
    "balanceAccountId": "BA00000000000000000000001",
    "counterparty": {
      "bankAccount": {
        "accountHolder": {
          "fullName": "A. Klaassen"
        },
        "accountIdentification": {
          "type": "iban",
          "iban": "NL91ABNA0417164300"
        }
      }
    },
    "referenceForBeneficiary": "YOUR_REFERENCE_SENT_TO_THE_BENEFICIARY",
    "reference": "YOUR_INTERNAL_REFERENCE",
    "description": "YOUR_DESCRIPTION"
  }'

If the transfer request is successful, you receive an HTTP 200 OK response containing an id of the transfer request. Adyen informs your server of the status of the transfer through webhooks.

Transfers priority

To specify how fast the funds must be sent, you can set a priority in the transfer request. A transfer with a higher priority incurs higher fees. The priorities available for bank transfers are:

  • Regular: For normal, low-value transactions.
  • Instant: Instant way to transfer funds in Single Euro Payments Area (SEPA) countries. Has higher fees than a regular payout.
  • Fast: Faster than regular but has higher fees. Recommended for high-priority, low-value transactions.
  • Wire: Fastest way but has the highest fees. Recommended for high-priority, high-value transactions.
  • Cross-border: Recommended for high-value transactions to a recipient in a different country.

After requesting the transfer, find the estimated arrival time of the funds in the transfer webhooks.

Bank account identification types and supported priorities

When transferring funds to a third-party bank account, you need to provide the accountIdentification.type in your API request. The type also determines the required bank account details.

  1. To determine the accountIdentification.type value, you must have:
    • The country of the recipient bank account.
    • The currency of the funds you are transferring.

  2. Find the combination in the table below and select the type to see the required fields.

This combination also identifies if you are doing a local or cross-border transfer. Cross-border transfers must be sent as wire transfers, and you must include the address of the bank account owner.

The following table show the limits for the length and the characters you can use in the descriptions based on the country, currency and priority.

Europe

Country of counterparty Currency Supported priority Transfer description limits Type
Single Euro Payments Area (SEPA) countries EUR regular, instant, wire Maximum 140 characters.
Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space 		iban
Czech Republic CZK regular Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space czLocal or iban
Denmark DKK regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space dkLocal or iban
Hungary HUF regular Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space huLocal or iban
Norway NOK regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space noLocal or iban
Poland PLN regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space plLocal or iban
Sweden SEK regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space seLocal or iban
Switzerland CHF regular, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space iban
United Kingdom GBP regular, fast, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space ukLocal or iban

North America

Country of counterparty Currency Supported priority Transfer description limits Type
Canada CAD, USD regular Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space caLocal or usLocal
United States USD regular, fast, wire Allowed characters:
Priority: regular and fast
[a-z][A-Z][0-9]& $ % # @ ~ = + - _ ' " ! ?
Priority:wire [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space 		usLocal

Asia Pacific

Country of counterparty Currency Supported priority Transfer description limits Type
Australia AUD regular, fast, wire Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space auLocal

Cross-border

Country of counterparty Currency Supported priority Transfer description limits Type and other requirements
Countries where IBAN is required Any crossBorder Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space - Type: iban
- address of the bank account owner
Countries where IBAN is optional
(for example, Poland or Czech Republic)		 Any crossBorder Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space - Type: iban or numberAndBic
- address of the bank account owner
Other countries not listed above Any crossBorder Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space - Type: numberAndBic
- address of the bank account owner

Bank account validation

Before sending funds to a third-party bank account, you can validate this bank account to avoid failed transfers due to incorrect details.

To validate a third-party bank account, make a POST /validateBankAccountIdentification request specifying the following information, depending on the bank account identification type:

Parameter Description
accountIdentification Object containing the details of the bank account to be validated.
Validate a third-party IBAN 
{
  "accountIdentification": {
    "type": "iban",
    "iban": "1001001234"
  }
}

If the bank account details are valid, you'll get an HTTP 200 OK response. You can proceed with transferring funds to this account.

In case the bank account validation fails, you'll get the details in the response. Use this information to build your own logic for handling invalid bank account details.

Invalid IBAN details 
{
    "type": "https://docs.adyen.com/errors/validation",
    "title": "Invalid bank account identification details provided",
    "status": 422,
    "invalidFields": [
        {
            "name": "iban",
            "message": "Invalid IBAN."
        }
    ],
    "errorCode": "33_01"
}

Próximas etapas

Keep track of Adyen business bank account transactions using webhooks or by making an API request.

obrigatório
Get updates through webhooks

Find out which webhooks Adyen sends for incoming and outgoing transactions.
Use an API to get updates

Send API requests to query bank transactions.