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Instant card funding

Instant card funding lets you process transactions for a shopper moving money from a card to another card, digital wallet or bank account. Possible use cases include:

  • A shopper loading or topping up their prepaid cards
  • A shopper moving funds into another of their financial accounts such as a savings deposit account or retirement account
  • A funding source for person-to-person money transfers
  • A shopper loading their third-party digital wallet

We process instant card funding transactions for Visa and Mastercard. For Visa, instant card funding transactions are called account funding transactions. For Mastercard, they are called funding transactions. You can make an instant card payout after an instant card funding transaction, for example if you want to do person-to-person money transfers.

To make instant card funding transactions, you need to send some additional data required by Visa or Mastercard with your /payments request.

Enable instant card funding

Step 1: Compliance

To enable instant card funding, you must submit compliance documents to Adyen. You must also specify your use case and fulfill compliance requirements for the card scheme. Contact your Account Manager to discuss the requirements.

Step 2: Configuration

When you have completed the compliance processes, contact our Support Team to enable instant card funding.

Process an instant card funding transaction

To process transactions for instant card funding, you must send some additional data fields in your /payments request to indicate who is sending the funds:

Field Description
shopperName The name of the sender
billingAddress The address of the sender
walletIdentifier Your unique identifier for the sender's wallet or account that they are transferring funds to. You can use the shopper reference or any other identifier.

Instant card funding /payments requests sent without this data can be refused

/payments request to top up a wallet from a card
  "paymentMethod": {
    "type": "scheme",
    "number": "4111111111111111",
    "expiryMonth": "03",
    "expiryYear": "2030",
    "holderName": "John Smith",
    "cvc": "737"
  "amount": {
    "value": 2,
    "currency": "EUR"
  "reference": "MERCHANT_REFERENCE",
  "merchantAccount": "MERCHANT_ACCOUNT",
    "billingAddress": { // If you are already sending the billing address you don't need to add it again
      "street":"Simon Carmiggelstraat",
    "shopperName":{ // If you are already sending the shopper's name you don't need to add it again
  "fundRecipient": {

See also