{"title":"Payout lifecycle","category":"default","creationDate":1776961628,"content":"<p>When you make transfer requests to pay out funds from your balance account, each payout goes through multiple stages before the funds are credited to the counterparty's bank account or card. A payout passes from one stage to another after specific events occur in the payout lifecycle.<\/p>\n<p>To keep you updated about changes in a payout's status as it moves through the payout lifecycle, Adyen sends information about status changes in API responses and webhooks.<\/p>\n<h2>Accounting events<\/h2>\n<p>Accounting events are events that occur during the lifecycle of a payout that affect the available balance in your balance account.<\/p>\n\n<div id=\"tabQeiIf\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Regular flow&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;Standard payouts that occur on your balance platform go through the following stages:&lt;\\\/p&gt;\\n&lt;ol&gt;\\n&lt;li&gt;\\n&lt;p&gt;&lt;strong&gt;Payout received&lt;\\\/strong&gt;: Adyen receives your payout request and checks the request parameters, the request format, and your API permissions.&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;If the parameters, format, and permissions are correct, we accept the payout request. You receive a  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/transfer-webhooks\\\/latest\\\/post\\\/balancePlatform.transfer.created\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;balancePlatform.transfer.created&lt;\\\/a&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;received&lt;\\\/strong&gt;&lt;\\\/span&gt;.\\n&lt;ul&gt;\\n&lt;li&gt;If there are any issues with the parameters, we reject the payout request without triggering any webhooks. You receive an error message in the API response.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;&lt;strong&gt;Payout authorized&lt;\\\/strong&gt;: Adyen checks if there are enough funds in your balance account to authorize the payout.&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;If there are enough funds, we reserve the payout amount on your balance account and authorize the payout. You receive a  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/transfer-webhooks\\\/latest\\\/post\\\/balancePlatform.transfer.updated\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;balancePlatform.transfer.updated&lt;\\\/a&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;authorised&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;li&gt;If there are not enough funds, we refuse the payout. You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;refused&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;&lt;strong&gt;Payout booked&lt;\\\/strong&gt;: Adyen deducts the funds from your balance account and creates a transaction. You receive the following webhooks:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;A &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;booked&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;li&gt;A &lt;code&gt;balancePlatform.transaction.created&lt;\\\/code&gt; webhook which informs your server that Adyen has debited funds from your balance account.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;\\\/li&gt;\\n&lt;\\\/ol&gt;\\n&lt;p&gt;&lt;a rel=\\&quot;lightbox\\&quot; href=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/regular_flow.svg\\&quot; src=\\&quot;\\&quot;&gt;\\n  &lt;img alt=\\&quot;\\&quot; src=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/regular_flow.svg\\&quot; \\\/&gt;\\n&lt;\\\/a&gt;&lt;\\\/p&gt;\\n&quot;,&quot;altTitle&quot;:null,&quot;oldTabId&quot;:&quot;regular_flow_0_1&quot;,&quot;relation&quot;:&quot;&quot;},{&quot;title&quot;:&quot;Approval flow&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;You can create an additional review requirement for your payout by including the &lt;code&gt;review&lt;\\\/code&gt; object in your POST &lt;code&gt;\\\/transfers&lt;\\\/code&gt; request. After we receive your transfer request:&lt;\\\/p&gt;\\n&lt;ol&gt;\\n&lt;li&gt;\\n&lt;p&gt;Adyen checks the request format and user permissions, and initiates the payout. You receive a  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/transfer-webhooks\\\/latest\\\/post\\\/balancePlatform.transfer.created\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;balancePlatform.transfer.created&lt;\\\/a&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;received&lt;\\\/strong&gt;&lt;\\\/span&gt; and &lt;code&gt;reason&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;pending&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/p&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;A member of your team reviews the payout and takes one of the following actions:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;&lt;strong&gt;Approve:&lt;\\\/strong&gt; If your team member approves the payout, Adyen checks the available funds and then authorizes the payout. You receive a  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/transfer-webhooks\\\/latest\\\/post\\\/balancePlatform.transfer.updated\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;balancePlatform.transfer.updated&lt;\\\/a&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;authorised&lt;\\\/strong&gt;&lt;\\\/span&gt; and &lt;code&gt;reason&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;approved&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;li&gt;&lt;strong&gt;Cancel:&lt;\\\/strong&gt; If your team member cancels the payout, the payout fails and Adyen stops processing the request. You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;cancelled&lt;\\\/strong&gt;&lt;\\\/span&gt; and &lt;code&gt;reason&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;refusedByCustomer&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;li&gt;&lt;strong&gt;No action:&lt;\\\/strong&gt; If your team member does not approve or cancel the payout within 30 days, the payout fails and Adyen stops processing the request. You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;cancelled&lt;\\\/strong&gt;&lt;\\\/span&gt; and &lt;code&gt;reason&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;approvalExpired&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;If your team approved the payout in the previous stage, Adyen deducts the funds from your balance account and creates a transaction. You receive the following webhooks:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;A &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; webhook with status &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;booked&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;li&gt;A &lt;code&gt;balancePlatform.transaction.created&lt;\\\/code&gt; webhook which informs your server that Adyen has debited funds from your balance account.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;\\\/li&gt;\\n&lt;\\\/ol&gt;\\n&quot;,&quot;altTitle&quot;:null,&quot;oldTabId&quot;:&quot;approval_flow_1_2&quot;,&quot;relation&quot;:&quot;&quot;}]\"\n            :should-update-when-url-changes='false'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<h2>Tracking events<\/h2>\n<p>After a payout reaches the <span translate=\"no\"><strong>booked<\/strong><\/span> <code>status<\/code>, the funds are deducted from your balance account. To keep you informed about the progress of your payouts, Adyen sends a <code>balancePlatform.transfer.updated<\/code> webhook that includes a <code>tracking<\/code> object.<\/p>\n<p>Depending on the payout type, you receive different tracking information:<\/p>\n<ul>\n<li><strong>Instant bank transfers:<\/strong> You receive a <span translate=\"no\"><strong>credited<\/strong><\/span> <code>status<\/code> when the funds arrive, or <span translate=\"no\"><strong>failed<\/strong><\/span> if the payout cannot be completed.<\/li>\n<li><strong>Payouts to cards:<\/strong> You receive an <span translate=\"no\"><strong>accepted<\/strong><\/span> <code>status<\/code> when the card schemes accept the payout for processing, or <span translate=\"no\"><strong>failed<\/strong><\/span> if the payout cannot be completed.<\/li>\n<li><strong>Non-instant bank transfers:<\/strong> You receive a <code>tracking.estimatedArrivalTime<\/code>, which returns the estimated time when the funds will be credited to the counterparty's bank account.<\/li>\n<\/ul>\n<h3>Payout pending<\/h3>\n<p>After a payout reaches the <span translate=\"no\"><strong>booked<\/strong><\/span> <code>status<\/code>, but before the funds leave Adyen, the payout is automatically analyzed to ensure it complies with Adyen's policies. If the payout is flagged, Adyen must manually review it before sending the funds.<\/p>\n<p>During the manual review process, the payout enters a pending state. You receive a <code>balancePlatform.transfer.updated<\/code> tracking webhook with <code>status<\/code> <span translate=\"no\"><strong>pending<\/strong><\/span>.<\/p>\n\n<div id=\"tabo0XJl\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Payouts to bank accounts&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;If the payout passes Adyen\\u2019s manual review, we send a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; webhook with details of the payout&#039;s progress. Depending on the review, you receive:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;&lt;strong&gt;Non-instant payouts&lt;\\\/strong&gt;: An estimated time of arrival (ETA) for non-instant payouts, for example payouts with &lt;code&gt;priority&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;regular&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/li&gt;\\n&lt;li&gt;&lt;strong&gt;Instant bank payouts&lt;\\\/strong&gt;: A &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;credited&lt;\\\/strong&gt;&lt;\\\/span&gt; &lt;code&gt;status&lt;\\\/code&gt; confirmation when funds arrive, or &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;failed&lt;\\\/strong&gt;&lt;\\\/span&gt; if the payout cannot be completed.&lt;\\\/li&gt;\\n&lt;li&gt;&lt;strong&gt;Card payouts&lt;\\\/strong&gt;: An &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;accepted&lt;\\\/strong&gt;&lt;\\\/span&gt; &lt;code&gt;status&lt;\\\/code&gt; when the card network accepts the payout for processing, or &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;failed&lt;\\\/strong&gt;&lt;\\\/span&gt; if the payout cannot be completed.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;If the payout fails Adyen\\u2019s manual review, Adyen freezes the funds and does not pay them out externally. You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;failed&lt;\\\/strong&gt;&lt;\\\/span&gt; and &lt;code&gt;type&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;internalReview&lt;\\\/strong&gt;&lt;\\\/span&gt;. An Adyen employee will contact you with next steps. In some cases, this may involve the regulator.&lt;\\\/p&gt;\\n&lt;p&gt;The counterparty bank must also screen all incoming transactions.&lt;\\\/p&gt;\\n&lt;p&gt;&lt;a rel=\\&quot;lightbox\\&quot; href=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/transfer_pending.svg\\&quot; src=\\&quot;\\&quot;&gt;\\n  &lt;img alt=\\&quot;\\&quot; src=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/transfer_pending.svg\\&quot; \\\/&gt;\\n&lt;\\\/a&gt;&lt;\\\/p&gt;\\n&quot;,&quot;altTitle&quot;:null,&quot;oldTabId&quot;:&quot;payouts_to_bank_accounts_0_1&quot;,&quot;relation&quot;:&quot;&quot;},{&quot;title&quot;:&quot;Payouts to cards&quot;,&quot;content&quot;:&quot;\\n&lt;ul&gt;\\n&lt;li&gt;\\n&lt;p&gt;If the payout passes Adyen&#039;s manual review, we pay out the funds to the counterparty&#039;s card issuer. You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; tracking webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;accepted&lt;\\\/strong&gt;&lt;\\\/span&gt; and &lt;code&gt;type&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;internalReview&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/p&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;If the payout fails Adyen&#039;s manual review, we freeze the funds and do not pay them out externally. You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; tracking webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;failed&lt;\\\/strong&gt;&lt;\\\/span&gt; and &lt;code&gt;type&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;internalReview&lt;\\\/strong&gt;&lt;\\\/span&gt;. An Adyen employee reaches out to you with follow-up steps. In some cases, this can involve the regulator who reaches out to all the involved parties.&lt;\\\/p&gt;\\n&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;&lt;a rel=\\&quot;lightbox\\&quot; href=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/transfer_pending_cards.svg\\&quot; src=\\&quot;\\&quot;&gt;\\n  &lt;img alt=\\&quot;\\&quot; src=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/transfer_pending_cards.svg\\&quot; \\\/&gt;\\n&lt;\\\/a&gt;&lt;\\\/p&gt;\\n&quot;,&quot;altTitle&quot;:null,&quot;oldTabId&quot;:&quot;payouts_to_cards_1_2&quot;,&quot;relation&quot;:&quot;&quot;}]\"\n            :should-update-when-url-changes='false'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<div class=\"notices green\">\n<p>For payouts to cards, Adyen can also send a webhook with <code>status<\/code> <span translate=\"no\"><strong>accepted<\/strong><\/span> to indicate that the payout has been accepted by the card network. Card payouts are subject to additional checks by the card schemes. If a request results in an error during these checks, you can receive a <code>balancePlatform.transfer.updated<\/code> webhook with <code>status<\/code> <span translate=\"no\"><strong>refused<\/strong><\/span> to reflect the outcome.<\/p>\n<\/div>\n<h3>Instant vs non-instant payouts to bank accounts<\/h3>\n<p>The following tabs explain the tracking events for instant and non-instant payouts to bank accounts. These events do not apply to payouts to cards.<\/p>\n\n<div id=\"tabZS8A5\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Instant payouts&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;Instant payouts allow you to transfer funds instantly in the Single Euro Payments Area (SEPA), the United Kingdom and the United States. To make an instant payout, you must set the &lt;code&gt;priority&lt;\\\/code&gt; of the payout to &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;instant&lt;\\\/strong&gt;&lt;\\\/span&gt; in your POST &lt;code&gt;\\\/transfer&lt;\\\/code&gt; request.&lt;\\\/p&gt;\\n&lt;p&gt;After the payout reaches the &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;booked&lt;\\\/strong&gt;&lt;\\\/span&gt;, the payout details are sent to the counterparty&#039;s bank for review through an instant connection.&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;\\n&lt;p&gt;If the counterparty&#039;s bank accepts the payout, the funds are immediately credited to their bank account. You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; tracking webhook with &lt;code&gt;tracking.status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;credited&lt;\\\/strong&gt;&lt;\\\/span&gt; and &lt;code&gt;priority&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;instant&lt;\\\/strong&gt;&lt;\\\/span&gt;.&lt;\\\/p&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;If the counterparty&#039;s bank does not accept the payout, the payout fails and Adyen can no longer process the request. You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; webhook with &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;failed&lt;\\\/strong&gt;&lt;\\\/span&gt;. A payout can fail for two reasons:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;Network error: the counterparty&#039;s bank &lt;strong&gt;cannot&lt;\\\/strong&gt; accept the payout because the instant connection between the bank and Adyen failed. You must retry the payout at a later time.&lt;\\\/li&gt;\\n&lt;li&gt;Issue with payout data: the counterparty&#039;s bank &lt;strong&gt;cannot&lt;\\\/strong&gt; accept the payout because there was an issue with the data in the payout request. You must fix the issue and retry the payout.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;&lt;a rel=\\&quot;lightbox\\&quot; href=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/instant_transfer.svg\\&quot; src=\\&quot;\\&quot;&gt;\\n  &lt;img alt=\\&quot;\\&quot; src=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/instant_transfer.svg\\&quot; \\\/&gt;\\n&lt;\\\/a&gt;&lt;\\\/p&gt;\\n&quot;,&quot;altTitle&quot;:null,&quot;oldTabId&quot;:&quot;instant_payouts_0_1&quot;,&quot;relation&quot;:&quot;&quot;},{&quot;title&quot;:&quot;Non-instant payouts&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;Non-instant payouts refer to all payouts that don&#039;t have an &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;instant&lt;\\\/strong&gt;&lt;\\\/span&gt; &lt;code&gt;priority&lt;\\\/code&gt;. After the payout reaches the &lt;code&gt;status&lt;\\\/code&gt; &lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;booked&lt;\\\/strong&gt;&lt;\\\/span&gt;, and has passed Adyen&#039;s internal screening, we assign the funds to a payout batch so that they can be paid out to the counterparty&#039;s bank.&lt;\\\/p&gt;\\n&lt;p&gt;You receive a &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; tracking webhook. The &lt;code&gt;tracking.estimatedArrivalTime&lt;\\\/code&gt; returns the estimated time that the funds will be credited to the counterparty&#039;s bank account.&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;\\n&lt;p&gt;If there are no issues with the payout batch, the funds are successfully paid out within the estimated arrival time.&lt;\\\/p&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;If there are any issues with the payout batch that prevent the funds from being paid out in the estimated time frame, Adyen tries to pay out the funds at the next available time frame by assigning them to a later payout batch. You receive a new &lt;code&gt;balancePlatform.transfer.updated&lt;\\\/code&gt; tracking webhook with an updated estimated time of arrival for the funds.&lt;\\\/p&gt;\\n&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;&lt;a rel=\\&quot;lightbox\\&quot; href=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/non_instant_transfer.svg\\&quot; src=\\&quot;\\&quot;&gt;\\n  &lt;img alt=\\&quot;\\&quot; src=\\&quot;\\\/user\\\/pages\\\/docs\\\/07.payouts\\\/02.payout-service\\\/05.payout-lifecycle\\\/non_instant_transfer.svg\\&quot; \\\/&gt;\\n&lt;\\\/a&gt;&lt;\\\/p&gt;\\n&quot;,&quot;altTitle&quot;:null,&quot;oldTabId&quot;:&quot;non-instant_payouts_1_2&quot;,&quot;relation&quot;:&quot;&quot;}]\"\n            :should-update-when-url-changes='false'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<h2>Payout returned<\/h2>\n<p>After a payout is sent to the counterparty's bank account, the counterparty bank or issuer is required by regulation to screen the payout. If there are any issues with the payout, they can return the funds to Adyen.<\/p>\n<p>Payouts that do not have an <span translate=\"no\"><strong>instant<\/strong><\/span> <code>priority<\/code> cannot fail, but they can be returned by the counterparty's bank. After you receive the tracking webhook with the estimated arrival time of your payout:<\/p>\n<ol>\n<li>The funds arrive at the counterparty's bank.<\/li>\n<li>The counterparty's bank reviews the payout.<\/li>\n<li>If the payout fails the review, the counterparty's bank returns the payout with a specific code that indicates the reason for the return. See <a href=\"\/pt\/payouts\/payout-service\/pay-out-to-bank-accounts\/payout-webhooks\/#reason-codes\">reason codes<\/a> to see a list of reasons why a payout can be returned by the counterparty's bank. A new transaction is created for the return, and you receive the following webhooks:\n<ul>\n<li>A <code>balancePlatform.transfer.updated<\/code> webhook with <code>status<\/code> <span translate=\"no\"><strong>returned<\/strong><\/span>. The <code>reason<\/code> field in the last object of the <code>events<\/code> array indicates the reason for the return.<\/li>\n<li>A <code>balancePlatform.transaction.created<\/code> webhook which informs your server that Adyen has credited funds to your balance account.<\/li>\n<\/ul><\/li>\n<\/ol>\n<p><a rel=\"lightbox\" href=\"\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/transfer_returned.svg\" src=\"\">\n  <img alt=\"\" src=\"\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/transfer_returned.svg\" \/>\n<\/a><\/p>\n<h2>See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/payouts\/payout-service\/getting-paid\/\"\n                        target=\"_self\"\n                        >\n                    Getting paid\n                <\/a><\/li><li><a href=\"\/payouts\/payout-service\/pay-out-to-bank-accounts\/\"\n                        target=\"_self\"\n                        >\n                    Pay out to bank accounts\n                <\/a><\/li><li><a href=\"\/payouts\/payout-service\/pay-out-to-cards\/\"\n                        target=\"_self\"\n                        >\n                    Pay out to cards\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/payouts\/payout-service\/payout-lifecycle","articleFields":{"description":"Learn about payout statuses and how you can track them.","cache_enable":false,"section_label":"Transfer funds","parameters":{"directoryPath":"\/platforms","model":"platform"},"page_id":"dab75e7f-beab-43a3-9b1c-a5e076fb7655","feedback_component":true,"filters_component":false,"decision_tree":"[]"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/payouts\/payout-service\/payout-lifecycle","title":"Payout lifecycle","content":"When you make transfer requests to pay out funds from your balance account, each payout goes through multiple stages before the funds are credited to the counterparty's bank account or card. A payout passes from one stage to another after specific events occur in the payout lifecycle.\nTo keep you updated about changes in a payout's status as it moves through the payout lifecycle, Adyen sends information about status changes in API responses and webhooks.\nAccounting events\nAccounting events are events that occur during the lifecycle of a payout that affect the available balance in your balance account.\n\n\n    \n        \n        \n    \n\n\nTracking events\nAfter a payout reaches the booked status, the funds are deducted from your balance account. To keep you informed about the progress of your payouts, Adyen sends a balancePlatform.transfer.updated webhook that includes a tracking object.\nDepending on the payout type, you receive different tracking information:\n\nInstant bank transfers: You receive a credited status when the funds arrive, or failed if the payout cannot be completed.\nPayouts to cards: You receive an accepted status when the card schemes accept the payout for processing, or failed if the payout cannot be completed.\nNon-instant bank transfers: You receive a tracking.estimatedArrivalTime, which returns the estimated time when the funds will be credited to the counterparty's bank account.\n\nPayout pending\nAfter a payout reaches the booked status, but before the funds leave Adyen, the payout is automatically analyzed to ensure it complies with Adyen's policies. If the payout is flagged, Adyen must manually review it before sending the funds.\nDuring the manual review process, the payout enters a pending state. You receive a balancePlatform.transfer.updated tracking webhook with status pending.\n\n\n    \n        \n        \n    \n\n\n\nFor payouts to cards, Adyen can also send a webhook with status accepted to indicate that the payout has been accepted by the card network. Card payouts are subject to additional checks by the card schemes. If a request results in an error during these checks, you can receive a balancePlatform.transfer.updated webhook with status refused to reflect the outcome.\n\nInstant vs non-instant payouts to bank accounts\nThe following tabs explain the tracking events for instant and non-instant payouts to bank accounts. These events do not apply to payouts to cards.\n\n\n    \n        \n        \n    \n\n\nPayout returned\nAfter a payout is sent to the counterparty's bank account, the counterparty bank or issuer is required by regulation to screen the payout. If there are any issues with the payout, they can return the funds to Adyen.\nPayouts that do not have an instant priority cannot fail, but they can be returned by the counterparty's bank. After you receive the tracking webhook with the estimated arrival time of your payout:\n\nThe funds arrive at the counterparty's bank.\nThe counterparty's bank reviews the payout.\nIf the payout fails the review, the counterparty's bank returns the payout with a specific code that indicates the reason for the return. See reason codes to see a list of reasons why a payout can be returned by the counterparty's bank. A new transaction is created for the return, and you receive the following webhooks:\n\nA balancePlatform.transfer.updated webhook with status returned. The reason field in the last object of the events array indicates the reason for the return.\nA balancePlatform.transaction.created webhook which informs your server that Adyen has credited funds to your balance account.\n\n\n\n  \n\nSee also\n\n\n                    Getting paid\n                \n                    Pay out to bank accounts\n                \n                    Pay out to cards\n                \n","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Adyen Payouts","lvl2":"Payouts and Payments","lvl3":"Payout lifecycle"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/payouts","lvl2":"https:\/\/docs.adyen.com\/pt\/payouts\/payout-service","lvl3":"\/pt\/payouts\/payout-service\/payout-lifecycle"},"levels":4,"category":"","category_color":"","tags":["Payout","lifecycle"]},"articleFiles":{"approval_flow.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/approval_flow.svg\" \/>","instant_transfer.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/instant_transfer.svg\" \/>","non_instant_transfer.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/non_instant_transfer.svg\" \/>","regular_flow.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/regular_flow.svg\" \/>","transfer_pending.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/transfer_pending.svg\" \/>","transfer_pending_cards.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/transfer_pending_cards.svg\" \/>","transfer_returned.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/transfer_returned.svg\" \/>","transfer_returned_cards.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/07.payouts\/02.payout-service\/05.payout-lifecycle\/transfer_returned_cards.svg\" \/>"}}
