Adyen supports paying out funds from your balance account to third-party bank accounts by using the Transfers API. You can use this feature to pay out to any third-party cardholder, such as freelancers or providers.
Supported locations, currencies, and priorities
Adyen only supports paying out to third parties in local currencies. For example, USD is supported in the United States. There are two exceptions:
- EUR payouts in locations that are part of the Single Euro Payments Area (SEPA) but not the eurozone.
- USD payouts in Canada.
The following sections show the currencies, priorities, and transfer description limits that are supported in each location.
Europe
Country/region of counterparty |
Currency |
Supported priority |
Transfer description limits |
Bank account formats |
|---|---|---|---|---|
| Single Euro Payments Area (SEPA) countries | EUR | regular instant wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default iban |
| Bulgaria | BGN | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default iban |
| Czech Republic | CZK | regular | Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default iban Custom czLocal |
| Denmark | DKK | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default dkLocal Custom iban |
| Hungary | HUF | regular | Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default iban Custom huLocal |
| Norway | NOK | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default noLocal Custom iban |
| Poland | PLN | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default plLocal Custom iban |
| Romania | RON | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default iban |
| Sweden | SEK | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default seLocal Custom iban |
| Switzerland | CHF | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default iban |
| United Kingdom | GBP | regular fast wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default ukLocal Custom iban |
North America
Country/region of counterparty |
Currency |
Supported priority |
Transfer description limits |
Bank account formats |
|---|---|---|---|---|
| Canada | CAD, USD | regular | Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default caLocal Custom usLocal |
| United States | USD | regular fast instant wire |
Maximum 140 characters. Allowed characters for regular and fast priority: [a-z][A-Z][0-9]& $ % # @ ~ = + - _ ' " ! ? Allowed characters for instant and wire priority: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default usLocal |
Asia Pacific
Country/region of counterparty |
Currency |
Supported priority |
Transfer description limits |
Bank account formats |
|---|---|---|---|---|
| Australia | AUD | regular fast wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default auLocal |
| Hong Kong | HKD, USD | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default hkLocal |
| New Zealand | NZD | regular wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default nzLocal |
| Singapore | SGD | regular fast wire |
Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9]/ - ? : ( ) . , ' + Space |
Default sgLocal |
Cross-border
Country/region of counterparty |
Currency |
Supported priority |
Transfer description limits |
Type and other requirements |
|---|---|---|---|---|
| Countries/regions where IBAN is required | EUR, GBP, USD | crossBorder | Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space |
- Type: iban - address of the bank account owner |
| Countries/regions where IBAN is optional (for example, Poland or Czech Republic) |
EUR, GBP, USD | 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/regions not listed above | EUR, GBP, USD | crossBorder | Maximum 140 characters. Allowed characters: [a-z][A-Z][0-9] . , – ( ) / = ' + : ? ! ” % & * < > ; Space |
- Type: numberAndBic - address of the bank account owner |
Transfer priority
To specify how fast the funds must be sent, you can set a priority in the payout request. A payout with a higher priority incurs higher fees. The priorities available for bank transfers are:
- Regular: recommended for normal, low-value transactions to a recipient in the same location.
- Instant: instant way to transfer funds within the United States and in Single Euro Payments Area (SEPA) locations. Has higher fees than a regular payout.
- Fast: faster than regular but has higher fees. Recommended for high-priority, low-value transactions to a recipient in the same location.
- Wire: fastest way but has the highest fees. Recommended for high-priority, high-value transactions to a recipient in the same location.
- Cross-border: recommended for high-value transactions to a recipient in a different location.
When using cross-border priority, payout delays and potential fees may occur due to involving correspondent banks. As a result, the beneficiary may receive a reduced amount compared to the one instructed.
Transfer routes
To pay out your funds, Adyen must connect to transfer routes. Transfer routes depend on the parameters that you include in your transfer requests, such as priority, currency, and counterparty's location.
To minimize the risk of transfer failures, we recommend that you calculate transfer routes when:
- You are building your integration and want to understand what transfer routes are available for your use case.
- You plan to make a payout to a specific location or counterparty for the first time.
- You experience repeated issues trying to pay out to a specific location or counterparty.
Transfer cut-off times
There are specific times during a business day, called cut-off times, when Adyen stops processing bank transfers for settlement within the settlement delay. Bank transfers initiated before the cut-off time are typically processed within the specified settlement delay, while those initiated after the cut-off time will be processed the next day within the specified settlement delay.
Adhering to cut-off times can help you maintain consistency and predictability of your financial activities.
Example cut-off times for a payout to a recipient in the SEPA area
Suppose you need to make a bank payout to a recipient in the SEPA area. Depending on when you initiate the payout, the funds will be available the same business day or the next business day.
- You initiate the payout with a wire priority at 16:20 CET (10 minutes before the 16:30 CET cut-off time). Adyen processes this payout, and the recipient will receive the funds the same business day.
- You initiate the payout with a wire priority at 17:00 CET (30 minutes after the 16:30 CET cut-off time). Because it is past the cut-off time, Adyen will process this payout on the following business day. The funds will be available in the recipient's account on the next business day (one business day from the date of the payout initiation).
Example cut-off times for a payout to a US recipient
Suppose you need to make a bank payout to a US recipient. Depending on when you initiate the payout, the funds will be available the next business day or the day after the next business day.
- You initiate the payout with a regular priority at 01:30 AM ET (15 minutes before the 01:45 AM ET cut-off time). Adyen processes this payout, and the recipient will receive the funds on the same business day.
- You initiate the payout with a regular priority at 02:30 AM ET (45 minutes after the 01:45 AM ET cut-off time). Because it is past the cut-off time, Adyen will process this payout at the end of the business day. The funds will be available in the recipient's account on the next business day. For example, a payout initiated at 02:30 AM ET on a Tuesday will have the funds available in the beneficiary's bank account at approximately 09:00 AM ET on Wednesday.
Cut-off times by location, currency, and payout priority
Country/region Currency Priority Cut-off time Local timezone Settlement delay Min amount Max amount Australia AUD Wire 15:00 AEDT Same day 0.01 999,999,999.99 Australia AUD Regular 17:15 AEDT Same day 0.01 999,999,999.99 Australia AUD Fast 23:15 AEDT Same day 0.01 5,000,000.00 Bulgaria BGN Wire 10:45 CET Same day 1.00 999,999,999.99 Bulgaria BGN Regular 10:45 CET Same day 1.00 99,999.99 Canada CAD Regular 17:45 ET Same day 1.00 999,999.99 Canada USD Regular 02:00 ET Same day 1.00 999,999.99 Czechia CZK Wire 12:00 CET Same day 0.01 999,999,999.99 Czechia CZK Regular 12:00 CET Same day 0.01 999,999,999.99 Denmark DKK Wire 14:45 CET Same day 1.00 999,999,999.99 Denmark DKK Regular 10:15 CET Same day 1.00 39,999,999.99 Hong Kong HKD Wire 14:45 HKT Same day 1.00 999,999,999.99 Hong Kong USD Wire 14:45 HKT Same day 1.00 999,999,999.99 Hong Kong HKD Regular 15:45 HKT Same day 1.00 999,999,999.99 Hungary HUF Regular 13:00 CET Same day 1.00 999,999,999.99 Norway NOK Wire 14:00 CET Same day 1.00 999,999,999.99 Norway NOK Regular 14:00 CET Same day 1.00 10,000,000.00 Poland PLN Wire 10:50 CET Same day 0.01 999,999,999.99 Poland PLN Regular 10:30 CET Same day 0.01 999,999,999.99 Romania RON Wire 10:15 CET Same day 0.50 999,999,999.99 Romania RON Regular 10:15 CET Same day 0.50 50,000.00 SEPA EUR Wire 16:55 CET Same day 0.01 999,999,999.99 SEPA EUR Regular 15:45 CET Same day 0.01 999,999,999.99 SEPA EUR Instant 24/7 CET Same day 0.01 100,000.00 Singapore SGD Wire 16:45 SGT Same day 1.00 999,999,999.99 Singapore SGD Regular 18:15 SGT Next day 1.00 90,000,000.00 Singapore SGD Fast 23:45 SGT Same day 1.00 200,000.00 Sweden SEK Wire 15:30 CET Same day 1.00 999,999,999.99 Sweden SEK Regular 12:00 CET Same day 1.00 999,999,999.99 Switzerland CHF Wire 15:45 CET Same day 0.01 999,999,999.99 Switzerland CHF Regular 11:45 CET Same day 0.01 100,000,000.00 United Kingdom GBP Wire 15:15 GMT Same day 0.01 999,999,999.99 United Kingdom GBP Regular 19:30 GMT T+2 0.01 20,000,000.00 United Kingdom GBP Fast 21:00 GMT Same day 0.01 1,000,000.00 United States USD Wire 18:30 ET Same day 0.01 9,999,999,999.99 United States USD Regular 01:45 ET Same day 0.01 99,999,999.99 United States USD Fast 16:15 ET Same day 0.01 1,000,000.00 United States USD Instant 24/7 ET Same day 0.01 1,000,000.00 Transfer statement description
A statement description is the text that your users see on their bank statements when they receive payouts, which helps them identify the transaction. Adyen passes the description that you provide to the recipient bank. Most banks show this description in the statement.
To configure a default description for all payouts, contact our Support Team. You can still override the default description when you send an on-demand payout.
In general, the description must not exceed more than 140 characters. The supported characters may also differ based on the location and priority of the transfer. Refer to the table in the following section for more details.
The following sections show the character limits for each combination of currency and priority that Adyen supports.
Europe
Bulgaria
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements BGN regular description[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space 140 35 referenceForBeneficiary[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space 80 35 BGN wire description[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[A-Z] [a-z] [0-9] / - ? : ( ) . , ' + Space 80 140 Czech Republic
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements CZK regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 CZK wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 Denmark
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements DKK regular description[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 140 70 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 80 70 DKK wire description[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 80 140 Hungary
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements HUF regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 20 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 20 Norway
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements NOK regular description[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 140 25 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 80 25 NOK wire description[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 80 140 Poland
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements PLN regular description[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 140 0
Adyen accepts a description in the transfer request, but it does not appear in bank statements.referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? ( ) . , = \! % & * ; Space 80 0
Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements.PLN wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 Romania
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements RON regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 70 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 70 RON wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 Single Euro Payments Area (SEPA)
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements EUR regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 35 EUR wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 35 EUR instant description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 0 Sweden
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements SEK regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 11 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 11 SEK wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 35 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 35 Switzerland
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements CHF regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 85 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 0
Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements.CHF wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 60 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 0
Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements.United Kingdom
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements GBP regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + # = \! " % & * ; { } @ Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + # = \! " % & * ; { } @ Space 80 18 GBP wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 16 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 16 GBP fast description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 North America
Canada
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements CAD regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 12 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 12 USD regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 12 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 12 United States
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements USD regular description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 30 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 15 USD wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 16 USD fast description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 30 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 15 USD instant description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 16 Asia Pacific
Australia
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements AUD regular description[a-z] [A-Z] [0-9] / - ? : ( ) . ,' + Space 140 18 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 18 AUD wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 35 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 35 AUD fast description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 280 (Adyen accepts a maximum of 140) referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 280 (Adyen accepts a maximum of 140) Hong Kong
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements HKD regular description[a-z] [A-Z] [0-9] / - ? : ( ) . ,' + Space 140 18 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 18 HKD wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 USD wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 New Zealand
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements NZD regular description[a-z] [A-Z] [0-9] / - ? : ( ) . ,' + Space 140 35 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 35 NZD wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 Singapore
Currency Payout priority API field name Allowed characters Maximum number of characters Number of characters visible on statements SGD regular description[a-z] [A-Z] [0-9] / - ? : ( ) . ,' + Space 140 18 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 18 SGD wire description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 0
Adyen accepts a description in the transfer request, but it does not appear in bank statements.referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 0
Adyen accepts a reference for beneficiary in the transfer request, but it does not appear in bank statements.SGD fast description[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 140 140 referenceForBeneficiary[a-z] [A-Z] [0-9] / - ? : ( ) . , ' + Space 80 140 Transfer screening
Each transfer on the balance platform is screened by Adyen for regulatory and risk purposes. To decrease the possibility of manual review and processing delays, we highly recommend that you include as much information about the counterparty when you make a transfer.
Next steps