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Instant card payouts

Learn how to make payouts to cards.

Adyen supports paying out to Mastercard and Visa cards instantly, immediately returning the result of the payout attempt.

With one /payout call, you can pay out to your customers for a variety of money transfer and funds disbursement use cases.

The funds will be made available within 30 minutes, but are typically available within 2 minutes. How long it takes depends on the issuer. And, the payout will immediately be reflected on the cardholder's debit card balance or open-to-buy credit limit.

Using instant card payouts often requires a local entity, and requires compliance approval and additional configuration on our end. To enable this functionality, contact your account manager or our Support Team.

There are two main use cases for instant card payouts:

  • Funds disbursements: you pay out to your sellers, customers, freelancers, and so on. The purpose is typically crediting someone for delivering goods or services.
  • Money transfers: you facilitate the transfer of money between two individuals, virtual wallets or accounts. The purpose is typically moving funds.

These two use cases require different fields to be submitted in the payout request, as you can see in the examples.

Overview

Before you can make an instant card payout, you first have to check if the card is eligible. If you want to make recurring payouts to the same card, or if you don't want to immediately pay out the funds, you have to save the card details.

One-off payouts

  1. Configure your account to receive additional details in the API response.
  2. Make a zero-auth payment to check if the card is eligible for payouts.
  3. Make a payout. See money transfers or funds disbursements.

Recurring payouts

  1. Configure your account to receive additional details in the API response.
  2. Make a zero-auth payment to check if the card is eligible for payouts.
  3. Save the card details.
  4. Make a payout using the saved card details. See money transfers or funds disbursements.

Enable additional details in the API response

  1. In your Customer Area, go to Developers > Additional data.
  2. Select the fields that you want to include.
    • To get the card eligibility details, under Card, select Card bin payout details.
    • To get the card BIN details, under Card, select Card bin details. Among other things, this will return the fundingSource and the cardBin.
    • To get the recurring details in the response so you can make more payments to the same card, under Payment, select Recurring details.
  3. Select Save configuration.

Check if the card is eligible for payouts

If you want to see the payout eligibility for a stored card and you have enabled the fields to get card eligibility details, you can see the fields from step 2 and step 3 in the /payments response.

If you have not enabled those fields, you can check the payout eligibility as follows:

  1. Submit a POST /payments request with the card details and the following parameters:

    • merchantAccount: your merchant account.
    • paymentMethod: object containing your customer's card details.
    • amount: set the amount.value to zero, and the amount.currency to the currency that is applicable to the card.

    You can only pass raw card data if you are fully PCI compliant. Otherwise, use our Card Component to securely collect and encrypt card details.

  1. Check the payoutEligible parameter in the response. If the card is eligible for payouts, the possible values are:

    • Y: eligible for payout. For Mastercard, this means that the card is eligible for both domestic and cross-border payouts.
    • D: applies only to Mastercard. This means that the card is eligible only for domestic payouts.

    If you receive an N or U, the card cannot be used for payouts.

  1. Check the fundsAvailability parameter in the response.

    The field is only returned if payoutEligible is Y or D, and the possible values are:

    • I: Visa: fast funds are supported. Mastercard: product type is Prepaid or Debit, or issuing country is in CEE/HGEM list.
    • N: Visa and Mastercard: otherwise.

Save the card details

For recurring payouts, you have to save the card details. You can do this by creating a recurring contract through a /payments request.

The example below combines the zero-auth call with saving the card details. If you know you will be making recurring payouts to a card, you can combine the two requests.

Funds disbursements

The examples below demonstrate how to send a one-off or recurring funds disbursement payout. Submit this request to the /payout endpoint.

Request

Response

Money transfers

The examples below demonstrate how to send a one-off or recurring payout to transfer money from one individual to another, and how to transfer money from a virtual wallet or account onto a card.

The difference between these scenarios is the funding source, and what you send in the fundSource object.

For individuals:

  • Funds are transferred from one card to another.
  • Provide the details of the sender in the fundSource object.
  • The additionalData.fundingSource is usually DEBIT.

For virtual wallets or accounts:

  • Funds are cashed out from the wallet or account onto a card.
  • Provide the details of the virtual wallet or account that the funds are moved out of in the fundSource object.
  • The additionalData.fundingSource is DEPOSIT_ACCOUNT. The source is a deposit account because the virtual wallet or account is provided by a separate company. The person who opened the virtual wallet or account owns the funds deposited in it. The funds can be transferred to their own card, or to a different person's card.

In addition, for Visa transactions:

  • Include a networkTxReference. With money transfers, the payout is preceded by a 'pay-in' transaction where funds go from the shopper to the merchant. In the case of Visa transactions, you can connect the two transactions by including the networkTxReference from the pay-in response in your payout request.

Submit your payout request to the /payout endpoint,

Request

Response

Supported countries and currencies

You can only make domestic payouts. This means that you can only pay out to a card when it is used in the country of its issue, and in the currency of that country. For cards issued in the European Economic Area (EEA), payouts inside the EEA are considered domestic.
In other cases, for cross-border payouts, contact your account manager or our Support Team. In most cases, a local entity is required.

Below is the list of countries where instant card payouts are allowed:

Recipient country Card payouts
Australia -white_check_mark-
Austria -white_check_mark-
Belgium -white_check_mark-
Bulgaria -white_check_mark-
Canada -white_check_mark-
Croatia -white_check_mark-
Cyprus -white_check_mark-
Czech Republic -white_check_mark-
Denmark -white_check_mark-
Estonia -white_check_mark-
Finland -white_check_mark-
France -white_check_mark-
Germany -white_check_mark-
Greece -white_check_mark-
Hungary -white_check_mark-
Iceland -white_check_mark-
Ireland -white_check_mark-
Italy -white_check_mark-
Latvia -white_check_mark-
Liechtenstein -white_check_mark-
Lithuania -white_check_mark-
Luxembourg -white_check_mark-
Netherlands -white_check_mark-
Norway -white_check_mark-
Poland -white_check_mark-
Portugal -white_check_mark-
Romania -white_check_mark-
Slovakia -white_check_mark-
Slovenia -white_check_mark-
Spain -white_check_mark-
Sweden -white_check_mark-
Switzerland -white_check_mark-
United Kingdom -white_check_mark-
United States -white_check_mark-