---
title: "Webhooks for card payouts"
description: "Find out which webhooks Adyen sends for payout-related events."
url: "https://docs.adyen.com/payouts/payout-service/pay-out-to-cards/payout-webhooks"
source_url: "https://docs.adyen.com/payouts/payout-service/pay-out-to-cards/payout-webhooks.md"
canonical: "https://docs.adyen.com/payouts/payout-service/pay-out-to-cards/payout-webhooks"
last_modified: "2023-03-21T10:36:00+01:00"
language: "en"
---

# Webhooks for card payouts

Find out which webhooks Adyen sends for payout-related events.

[View source](/payouts/payout-service/pay-out-to-cards/payout-webhooks.md)

When funds are transferred (paid out) from a balance account to your bank account, Adyen sends [Transfer webhooks](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/overview) to inform you of the progress and status changes of the transfer request. Use this guide to learn what payout-related transfer webhook events are sent, and how to configure your system to process them successfully.

When a payout-related transfer is triggered in your balance platform, Adyen sends the following of webhooks:

* [balancePlatform.transfer.created](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.created), which informs your server that an outgoing transfer is initiated from a balance account in your platform.
* [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated), which informs your server of the transfer status changes.

This page explains how to identify webhooks related to card payouts and shows examples for the webhooks that you receive for every transfer status.

## Requirements

Before you begin, take into account the following requirements and preparations.

| Requirement                                     | Description                                                                                                                                                                                                                                                                                                                                                                                                  |
| ----------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **Integration type**                            | An Adyen [payout service integration](/payouts/payout-service/integration-checklist/).                                                                                                                                                                                                                                                                                                                       |
| **[Webhooks](/development-resources/webhooks)** | To keep track of payout-related events in your platform, make sure that: - Your server must be able to [receive and accept webhooks](/development-resources/webhooks/configure-and-manage).
- You have [subscribed](/development-resources/webhooks/configure-and-manage#configure-customer-area) to **Transfer webhooks** and **Transaction webhooks** in your [Customer Area](https://ca-test.adyen.com/). |

## Identify payout-related webhooks

You can identify transfer webhooks triggered by payout-related events by looking at the following values:

| Parameter                                                                                                                              | Description                                                 | Value            |
| -------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------- | ---------------- |
| [category](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.created#request-data-category)   | Specifies the category of the transfer.                     | **card**         |
| [direction](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.created#request-data-direction) | The direction of the transfer based on the balance account. | **outgoing**     |
| [type](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.created#request-data-type)           | Specifies the type of the transfer.                         | **cardTransfer** |

Adyen sends webhooks for the following payout events:

* [Payout initiated](#payout-initiated)
* [Payout authorised](#payout-authorised)
* [Payout booked](#payout-booked)
* [Payout pending](#payout-pending)
* [Payout accepted](#payout-accepted)
* [Payout failed](#payout-failed)

The following sections provide code samples for the events that trigger webhooks. These samples consider a use case where you pay out EUR 100.00 from a balance account to a Mastercard or Visa card.

## Payout initiated

When your user initiates a transfer to a Mastercard or Visa card, Adyen sends a [balancePlatform.transfer.created](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.created) webhook to inform your server that an outgoing transfer request has been created. The webhook provides information about the transfer, such as:

* The `amount` of the payout
* The `reference` for the payout
* The `referenceForBeneficiary`
* Your user's `balanceAccount` from which the funds will be deducted
* Details of the `accountHolder` linked to your user's balance account.
* Details of the `counterparty` in the transfer, which is your user's transfer instrument.
* The `bookingDate` when the payout was requested.
* The `id` of the corresponding transfer.

The following tabs show examples of [balancePlatform.transfer.created](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.created) webhooks for one-off and recurring payouts.

### Tab: One-off payout with raw card data

**Transfer initiated**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "currency": "EUR",
                "received": -100 
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "address": {
                        "city": "Amsterdam",
                        "country": "NL",
                        "postalCode": "1011DJ",
                        "stateOrProvince": "NH",
                        "line1": "Simon Carmiggeltstraat 6-50"
                    },
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "type": "individual"
                },
                "cardIdentification": {
                    "expiryMonth": "03",
                    "expiryYear": "2030",
                    "number": "498843******4305" 
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": -100
                    }
                ],
                "status": "received",
                "type": "accounting"
            }
        ],
        "id": "4VXNZT638V2C0BQA",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 1,
        "status": "received",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.created"
}
```

### Tab: One-off payout with tokenized data

**Transfer initiated**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "currency": "EUR",
                "received": -100 
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                    "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 1,
        "status": "received",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.created"
}
```

### Tab: Recurring payout

**Transfer initiated**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "currency": "EUR",
                "received": -100 
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                    "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 1,
        "status": "received",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.created"
}
```

## Payout authorised

When the transfer request for the payout is authorized, Adyen sends a [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhook event to inform your server that the transfer amount has been reserved on the account. This webhook includes the `status` **authorised**.

The following tabs show examples of [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhooks for one-off and recurring payouts.

### Tab: One-off payout with raw card data

**Transfer authorised**

```json
{
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "currency": "EUR",
                "received": 0,
                "reserved": -100
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "address": {
                        "city": "Amsterdam",
                        "country": "NL",
                        "postalCode": "1011DJ",
                        "stateOrProvince": "NH",
                        "line1": "Simon Carmiggeltstraat 6-50"
                    },
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "type": "individual"
                },
                "cardIdentification": {
                    "expiryMonth": "03",
                    "expiryYear": "2030",
                    "number": "498843******4305"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations":[
                    {
                        "currency": "EUR",
                        "received": -100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            }
        ],
        "id": "4VXNZT638V2C0BQA",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 2,
        "status": "authorised",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

### Tab: One-off payout with tokenized data

**Transfer authorised**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "currency": "EUR",
                "received": 0,
                "reserved": -100
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                    "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 2,
        "status": "authorised",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

### Tab: Recurring payout

**Transfer authorised**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "currency": "EUR",
                "received": 0,
                "reserved": -100
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                    "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 2,
        "status": "authorised",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

## Payout booked

When the funds are deducted from your user's balance account, Adyen sends a [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhook with:

* `direction`: **outgoing**
* `status`: **booked**
* `events.transactionId`: ID of the transaction

This status is not final. The transfer may still [fail](#outgoing-bank-transfer-failed) if, for example, the transfer is rejected by the scheme or issuing bank.

The following tabs show examples of [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhooks for one-off and recurring payouts.

### Tab: One-off payout with raw card data

**Transfer booked**

```json
{
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": -100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "address": {
                        "city": "Amsterdam",
                        "country": "NL",
                        "postalCode": "1011DJ",
                        "stateOrProvince": "NH",
                        "line1": "Simon Carmiggeltstraat 6-50"
                    },
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "type": "individual"
                },
                "cardIdentification": {
                    "expiryMonth": "03",
                    "expiryYear": "2030",
                    "number": "498843******4305"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": -100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-11T13:14:16+02:00"
            }
        ],
        "id": "4VXNZT638V2C0BQA",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 3,
        "status": "booked",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

### Tab: One-off payout with tokenized data

**Transfer booked**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": -100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                        "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-13T17:35:37+02:00"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 3,
        "status": "booked",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

### Tab: Recurring payout

**Transfer booked**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": -100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                        "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-13T17:35:37+02:00"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 3,
        "status": "booked",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

## Payout pending

After the funds are deducted from your user's balance account, the transfer is automatically analyzed to ensure that it complies with Adyen's policies. If a transfer is flagged, Adyen reviews the transfer.

In order to speed up the screening process and reduce the amount of manual effort needed, we recommend that you provide as much information as possible in the transfer request. For example, include all counterparty details in the [counterparty.card.cardHolder](https://docs.adyen.com/api-explorer/transfers/latest/post/transfers#request-counterparty-card-cardHolder) object.

In this case, Adyen sends a [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhook event with a `tracking` event type, specifying the following `trackingData` details:

* `status`: **pending**
* `type`: **internalReview**

The following tabs show examples of [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhooks for one-off and recurring payouts.

### Tab: One-off payout with raw card data

**Transfer pending**

```json
{
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": -100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "address": {
                        "city": "Amsterdam",
                        "country": "NL",
                        "postalCode": "1011DJ",
                        "stateOrProvince": "NH",
                        "line1": "Simon Carmiggeltstraat 6-50"
                    },
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "type": "individual"
                },
                "cardIdentification": {
                    "expiryMonth": "03",
                    "expiryYear": "2030",
                    "number": "498843******4305"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": -100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-11T13:14:16+02:00"
            },
            {
                "id": "6JKRLZ8LOT47J7RY",
                "trackingData": {
                    "status": "pending",
                    "type": "internalReview"
                },
                "type": "tracking",
                "updateDate": "2024-06-11T13:14:16+03:00"
            }
        ],
        "id": "4VXNZT638V2C0BQA",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 4,
        "status": "booked",
        "tracking": {
            "status": "pending",
            "type": "internalReview"
        },
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

### Tab: One-off payout with tokenized data

**Transfer pending**

```json
{
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": -100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                    "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": -100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-11T13:14:16+02:00"
            },
            {
                "id": "6JKRLZ8LOT47J7RY",
                "trackingData": {
                    "status": "pending",
                    "type": "internalReview"
                },
                "type": "tracking",
                "updateDate": "2024-06-11T13:14:16+03:00"
            }
        ],
        "id": "4VXNZT638V2C0BQA",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 4,
        "status": "booked",
        "tracking": {
            "status": "pending",
            "type": "internalReview"
        },
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

### Tab: Recurring payout

**Transfer pending**

```json
{
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": -100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                    "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": -100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-11T13:14:16+02:00"
            },
            {
                "id": "6JKRLZ8LOT47J7RY",
                "trackingData": {
                    "status": "pending",
                    "type": "internalReview"
                },
                "type": "tracking",
                "updateDate": "2024-06-11T13:14:16+03:00"
            }
        ],
        "id": "4VXNZT638V2C0BQA",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 4,
        "status": "booked",
        "tracking": {
            "status": "pending",
            "type": "internalReview"
        },
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

If the transfer fails Adyen's review process, we send a [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhook with a `tracking` event, specifying the following `trackingData`:

* `reason`: **refusedForRegulatoryReasons**
* `status`: **failed**
* `type`: **internalReview**

If this is the case, contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other).

## Payout accepted

When a card payout request is accepted for processing by the card schemes, Adyen sends a [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhook to your server.

The webhook includes a `tracking` event, which contains the following `trackingData` details:

* `status`: **`accepted`**
* `type`: **`confirmation`**

This event confirms that the scheme will process the payout. You can use this to let your counterparty know that their funds will arrive soon.

The following example shows a [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhook for a payout request that has been accepted:

**Transfer accepted**

```json
{
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": -100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "address": {
                        "city": "Amsterdam",
                        "country": "NL",
                        "postalCode": "1011DJ",
                        "stateOrProvince": "NH",
                        "line1": "Simon Carmiggeltstraat 6-50"
                    },
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "type": "individual"
                },
                "cardIdentification": {
                    "expiryMonth": "03",
                    "expiryYear": "2030",
                    "number": "498843******4305"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": -100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-11T13:14:16+02:00"
            },
            {
                "id": "EVTR422MV2235GJQ5N384MT86H743Z",
                "trackingData": {
                    "status": "accepted",
                    "type": "confirmation"
                },
                "type": "tracking",
                "updateDate": "2024-06-11T13:14:48+02:00"
            }
        ],
        "id": "4VXNZT638V2C0BQA",
        "reason": "approved",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 4,
        "tracking": {
            "status": "accepted",
            "type": "confirmation"
        },
        "status": "booked",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

## Payout failed

The payout transfer can fail if it is rejected by an external banking system and any automatic retries are unsuccessful.

When a payout transfer fails, Adyen sends a [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhook with:

* `status`: **failed**
* The `transactionId`
* The `reason` for the failure. For more information, see [Reason codes](#reason-codes).

The following tabs show examples of [balancePlatform.transfer.updated](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/post/balancePlatform.transfer.updated) webhooks for one-off and recurring payouts.

### Tab: One-off payout with raw card data

**Transfer failed**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": 100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "address": {
                        "city": "Amsterdam",
                        "country": "NL",
                        "postalCode": "1011DJ",
                        "stateOrProvince": "NH",
                        "line1": "Simon Carmiggeltstraat 6-50"
                    },
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "type": "individual"
                },
                "cardIdentification": {
                    "expiryMonth": "03",
                    "expiryYear": "2030",
                    "number": "498843******4305"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-13T17:35:37+02:00"
            },
            {
                "bookingDate": "2024-06-13T17:35:57+02:00",
                "id": "EVJN0000000000000000000000004",
                "mutations": [
                    {
                        "balance": 100,
                        "currency": "EUR",
                        "received": 0
                    }
                ],
                "reason": "unknown",
                "status": "failed",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-13T17:35:37+02:00"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "unknown",
        "reference": "Your internal reference for the transfer",
        "networkReason": {
            "code": "14",
            "description": "Invalid card number",
            "namespace": "iso8583ResponseCode"
        },
        "sequenceNumber": 4,
        "status": "failed",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

### Tab: One-off payout with tokenized data

**Transfer failed**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": 100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                    "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-13T17:35:37+02:00"
            },
            {
                "bookingDate": "2024-06-13T17:35:57+02:00",
                "id": "EVJN0000000000000000000000004",
                "mutations": [
                    {
                        "balance": 100,
                        "currency": "EUR",
                        "received": 0
                    }
                ],
                "reason": "unknown",
                "status": "failed",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-13T17:35:37+02:00"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "unknown",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 4,
        "status": "failed",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

### Tab: Recurring payout

**Transfer failed**

```json
{ 
    "data": {
        "accountHolder": {
            "description": "Your description for the account holder",
            "id": "AH00000000000000000000001"
        },
        "amount": {
            "currency": "EUR",
            "value": 100
        },
        "balanceAccount": {
            "description": "Your description for the balance account",
            "id": "BA00000000000000000000001"
        },
        "balancePlatform": "YOUR_BALANCE_PLATFORM",
        "balances": [
            {
                "balance": 100,
                "currency": "EUR",
                "received": 0,
                "reserved": 0
            }
        ],
        "category": "card",
        "counterparty": {
            "card": {
                "cardHolder": {
                    "firstName": "Albert",
                    "lastName": "Klaassen",
                    "reference": "Your reference for the cardholder",
                    "type": "individual",
                    "address": {
                        "city": "San Francisco",
                        "country": "US",
                        "line1": "274",
                        "line2": "Brannan St",
                        "postalCode": "94107",
                        "stateOrProvince": "CA"
                    }
                },
                "cardIdentification": {
                    "storedPaymentMethodId": "ZMV627QSCQVDKG66"
                }
            }
        },
        "creationDate": "2024-06-11T13:14:16+02:00",
        "description": "Your description for the transfer",
        "direction": "outgoing",
        "events": [
            {
                "bookingDate": "2024-06-11T13:14:18+02:00",
                "id": "EVJN0000000000000000000000001",
                "mutations": [
                    {
                        "currency":"EUR",
                        "received":-100
                    }
                ],
                "status": "received",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000002",
                "mutations": [
                    {
                        "currency": "EUR",
                        "received": 100,
                        "reserved": -100
                    }
                ],
                "status": "authorised",
                "type": "accounting"
            },
            {
                "bookingDate": "2024-06-13T17:35:48+02:00",
                "id": "EVJN0000000000000000000000003",
                "mutations": [
                    {
                        "balance": -100,
                        "currency": "EUR",
                        "received": 0,
                        "reserved": 100
                    }
                ],
                "status": "booked",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-13T17:35:37+02:00"
            },
            {
                "bookingDate": "2024-06-13T17:35:57+02:00",
                "id": "EVJN0000000000000000000000004",
                "mutations": [
                    {
                        "balance": 100,
                        "currency": "EUR",
                        "received": 0
                    }
                ],
                "reason": "unknown",
                "status": "failed",
                "transactionId": "EVJN0000000000000000000000003EUR",
                "type": "accounting",
                "valueDate": "2024-06-13T17:35:37+02:00"
            }
        ],
        "id": "4VXLNQ639Q8HVWJT",
        "reason": "unknown",
        "reference": "Your internal reference for the transfer",
        "sequenceNumber": 4,
        "status": "failed",
        "type": "cardTransfer"
    },
    "environment": "test",
    "type": "balancePlatform.transfer.updated"
}
```

## Reason codes

The following table describes the reasons why a transfer may be rejected or returned by the counterparty's bank.

| Reason code                   | Description                                                                                                                 | Remediating action                                                                                                            |
| ----------------------------- | --------------------------------------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------------------- |
| `amountLimitExceeded`         | The counterparty's bank or the payment system rejected this transfer because the value is too high.                         | Retry the transfer with a lower amount or with a different route.                                                             |
| `counterpartyBankUnavailable` | The counterparty's bank is unavailable for real-time processing.                                                            | Retry the transfer later or with a different route.                                                                           |
| `counterpartyAccountNotFound` | The counterparty's bank is unable to locate the account with the provided details.                                          | Check the card details provided in the transfer and retry.                                                                    |
| `counterpartyAccountClosed`   | The counterparty's bank reported that the account exists, but it is closed.                                                 | Check the card details provided in the transfer and retry.                                                                    |
| `counterpartyAccountBlocked`  | The counterparty's bank reported that the account is blocked or suspended.                                                  | Check the card details provided in the transfer and retry.                                                                    |
| `counterpartyAddressRequired` | The counterparty's bank requires the account holder's address to credit this transfer to the account.                       | Retry the transfer with full street address.                                                                                  |
| `counterpartyBankTimedOut`    | The counterparty's bank timed out while trying to process this request in real-time.                                        | Retry the transfer later or with a different route.                                                                           |
|                               |                                                                                                                             |                                                                                                                               |
| `refusedByCounterpartyBank`   | The counterparty's bank refused the transfer without providing any further information regarding the underlying reason.     | Check the card details provided in the transfer and/or contact the counterparty's bank.                                       |
| `unknown`                     | No specific reason is known by Adyen for the failure, or the reported reason does not correspond to any of the codes above. | Check the card details provided in the transfer and retry. If problem persists, further manual investigation might be needed. |
