---
title: "Cash out pending funds instantly"
description: "Instantly make available your user's pending balance."
url: "https://docs.adyen.com/platforms/cash-out-instantly"
source_url: "https://docs.adyen.com/platforms/cash-out-instantly.md"
canonical: "https://docs.adyen.com/platforms/cash-out-instantly"
last_modified: "2020-09-11T17:20:00+02:00"
language: "en"
---

# Cash out pending funds instantly

Instantly make available your user's pending balance.

[View source](/platforms/cash-out-instantly.md)

With Adyen CashOut, your users can access their pending funds instantly upon their request.

Typically, the funds that your platform captures for your users are made available to them after [settlement](/platforms/settle-funds). During the period between capture and settlement, the funds appear as a pending balance in your users' balance accounts.

If a user needs instant access to funds in their pending balance, you can make the funds immediately available to them by making a cashout request. When the funds are available, these can be paid out to the user's transfer instrument.

## How cashouts work

The following example explains how cashouts work:

User A is a seller in your platform. The [settlement delay](/platforms/settle-funds/#settlement-delay) for their balance account is two days.

On January 1, Adyen processes EUR 1000 in sales for User A. These funds appear on the pending balance of User A's balance account after the [sales day](/platforms/settle-funds) ends. Because of the settlement delay, the funds would only become available to User A on January 3.

User A needs access to the funds on January 2, so they can ask you to pay out their pending balance immediately. You can do this by making a **cashout** request to Adyen, specifying the amount to pay out. This amount must be less or equal to the pending balance.

As an option, you can charge User A a fee for the cashout. In this case, the sum of the cashout amount and the fee cannot be higher than the pending balance.

The following diagram shows what happens when you make a cashout request.

![Diagram showing the cashout flow](/user/pages/reuse/pfs-transfers/cashouts/cashouts.svg?decoding=auto\&fetchpriority=auto)

As shown in the diagram, when you make a cashout request, four types of transfers can take place:

1. On the day that you make the request (in this example, January 2), Adyen credits the specified cashout amount to your user's balance account (Cashout Funding).
2. Adyen makes an instant payout for the cashout amount to your user's transfer instrument, if it is specified in the cashout request (Cashout Instant Payout).
3. Adyen debits the cashout fee from your user's balance account and transfers it to your liable balance account (Cashout Fee).
4. When the funds from the payments that were captured settle (in this example, January 1), Adyen debits the cashout amount from your user's balance account (Cashout Repayment).

## Supported countries/regions and currencies

The following table shows the countries/regions where we support cashouts, including their currency. Cashout availability depends on the receiving bank's ability to support instant payouts. If they do not support it, the funds are returned, and the cashout amount is added to the pending balance of the source balance account.

| Country/Region               | Currency |
| ---------------------------- | -------- |
| AU[ 1](#AU)                  | AUD      |
| European Economic Area (EEA) | EUR      |
| US                           | USD      |
| UK                           | GBP      |

[]()1 Instant payouts in Australia may experience some delays due to rate limiting on ANZ banking rails.

## Cashout limits and technical specifications

| Specification                      | Details                                                                                                                                                                                                                                                             |
| ---------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Minimum amount                     | **0.01**                                                                                                                                                                                                                                                            |
| Maximum amount                     | The maximum amount in a balance account that you can cash out on a rolling 24-hour basis. This limit is configured on the balance platform level and subject to Adyen's approval. You can configure any amount that suits your industry and risk appetite.          |
| Maximum number of cashouts per day | No limit                                                                                                                                                                                                                                                            |
| Timing                             | There is a 10-minute cooldown period between cashout requests. We recommend that you also allow a 10-minute buffer between cashouts and scheduled payouts.                                                                                                          |
| Exclusions                         | Some payment methods use [pass-through settlement](/platforms/settle-funds/pass-through-settlement), for example, Affirm. Payments from these payment methods are not included in the pending balance of the balance accounts, so these funds cannot be cashed out. |

## Reporting and reconciliation

You can use the following reports and tools to reconcile cashouts for your users.

### Statement report

The [Statement report](/platforms/reports-and-fees/statement-report) uses a balance-based approach to user reporting. It treats each balance account like a bank account with a running balance that changes as payments and transfers take place. The report is generated daily.

### Payout report

The [Payout report](/platforms/reports-and-fees/payout-report) is best when you want to provide payment-to-payout tracking to your users. The report is generated on every day that a scheduled payout takes place.

If a full cashout takes place, there is no scheduled payout, so the Payout report is not generated for that balance account on that day.

### Transfer webhooks

You can subscribe to [Transfer webhooks](/platforms/cash-out-instantly/cashout-webhooks) to track cashout transfers in real time. This gives you the most flexibility to generate custom reporting at any cadence.

## Testing

To test a successful cashout, make a POST `/cashouts` request using the test bank account details with **cashout** priority from the [Custom payouts](/platforms/custom-payouts#testing) page.

Only use these bank account details in your TEST environment.

To test an unsuccessful cashout, recreate the failure scenario:

* **Insufficient funds**: Make a POST `/cashouts` request for an amount higher than the pending balance.
* **Missing capabilities**: Make a POST `/cashouts` request for an account holder that does not have the **sendToTransferInstrument** capability.

## Next steps

[Make a cashout request](/platforms/cash-out-instantly/cashout-request)

[Learn how to make a cashout request using Adyen's API.](/platforms/cash-out-instantly/cashout-request)

[Get updates through webhooks](/platforms/cash-out-instantly/cashout-request)

[Learn about the webhooks related to cashouts.](/platforms/cash-out-instantly/cashout-request)
