---
title: "Payouts to cards"
description: "Learn how to save your account holder's card details and make a payout."
url: "https://docs.adyen.com/classic-platforms/payouts/manual-payout/payout-to-cards"
source_url: "https://docs.adyen.com/classic-platforms/payouts/manual-payout/payout-to-cards.md"
canonical: "https://docs.adyen.com/classic-platforms/payouts/manual-payout/payout-to-cards"
last_modified: "2021-02-18T15:12:00+01:00"
language: "en"
---

# Payouts to cards

Learn how to save your account holder's card details and make a payout.

[View source](/classic-platforms/payouts/manual-payout/payout-to-cards.md)

This page is for classic Adyen for Platforms integrations. If you are just starting your implementation, refer to our [new integration guide](/adyen-for-platforms-model) instead.

Aside from paying out to bank accounts, you also have the option to send payouts to eligible Mastercard and Visa debit cards. This feature is available in [Fund API](https://docs.adyen.com/api-explorer/#/Fund/v6/overview) version 5 and later.

When paying out to cards, the funds arrive to the cardholder within 30 minutes and there is no dependency on bank cutoffs.

## Requirements

Contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to enable card payouts for your platform.

## Step 1: Check if the card is eligible for payouts and save the card details

1. Submit a POST [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) request with your account holder's card details and the following parameters:

   * [merchantAccount](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-merchantAccount): Your merchant account.
   * [shopperReference](https://docs.adyen.com/api-explorer/Payment/latest/post/authorise#request-shopperReference): Your unique account holder reference (minimum length three characters).
   * [enablePayOut](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-enablePayOut): Indicates if the card details should be stored for payouts. Set this to **true**.
   * [paymentMethod](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-paymentMethod): Object containing your account holder's card details.

   You can only pass raw card data if you are [fully PCI compliant](/get-started-with-adyen/adyen-glossary/#pci-compliance). Otherwise, use our [Card Component](/payment-methods/cards/custom-card-integration) to securely collect and encrypt your account holder's card details.

   **Submit a zero-value payment request**

   ```json
   {
       "{hint:Your account holder's card details}paymentMethod{/hint}": {
         "type": "scheme",
         "number": "4111111111111111",
         "expiryMonth": "3",
         "expiryYear": "2030",
         "cvc": "737",
         "holderName": "John Smith"
       },
       "amount": {
         "value": 0,
         "currency": "EUR"
       },
       "{hint:Your unique reference for this account holder, minimum length 3}shopperReference{/hint}": "YOUR_UNIQUE_SUBMERCHANT_ID_IOfW3k9G2PvXFu2j",
       "enablePayOut": true,
       "reference": "YOUR_TRANSACTION_REFERENCE",
       "{hint:Your merchant account}merchantAccount{/hint}": "YOUR_MERCHANT_ACCOUNT"
   }
   ```

   **Response**

   ```json
   {
       "additionalData": {
         "{hint: Use this when creating a payout method in step 2}recurring.recurringDetailReference{/hint}": "8315659584588245",
         "recurring.shopperReference": "YOUR_UNIQUE_SUBMERCHANT_ID_IOfW3k9G2PvXFu2j",
         "merchantReference": "YOUR_TRANSACTION_REFERENCE",
         "{hint: If value is I, this means that the card is eligible for instant payouts}fundsAvailability{/hint}": "I",
         "{hint: Indicates if this card is eligible for payouts}payoutEligible{/hint}": "Y"
       },
       "pspReference": "881566214605773J",
       "resultCode": "Authorised"
   }
   ```

   If you are using the [classic integration](/online-payments/classic-integrations/classic-api-integration#authorise-request), include [recurring.contract](https://docs.adyen.com/api-explorer/Payment/latest/post/authorise#request-recurring-contract) **PAYOUT** in your request.

2. Check the [payoutEligible](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#responses-200-additionalData-ResponseAdditionalDataCommon-payoutEligible) parameter in the response. The value should be either:

   * **Y**: Eligible for payout. For Mastercard, this means that the card is eligible for both domestic and cross-border payouts.
   * **D**: Applies only to Mastercard. Card is eligible only for domestic payouts.

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

3. If the card is eligible for payouts, get the `recurring.recurringDetailReference` from the response. This is your account holder's tokenized card details. You will need this value when adding the new payout method and for submitting future payout requests.

## Step 2: Add card as a payout method

1. Submit a POST [/updateAccountHolder](https://docs.adyen.com/api-explorer/#/Account/updateAccountHolder) request with the following parameters:

   * [shopperReference](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-shopperReference): Your unique account holder reference. The minimum length is three characters.
   * [recurringDetailReference](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#responses-200-additionalData-ResponseAdditionalDataCommon-recurring-recurringDetailReference): This is the `recurring.recurringDetailReference` returned in the response in [Step 1](#check-and-store).

   **Update account holder request**

   ```json
   {
       "accountHolderCode" : "4a55294d-7841-484d",
       "accountHolderDetails" : {
       "payoutMethods" : [
          {
             "merchantAccount" : "YOUR_MERCHANT_ACCOUNT",
             "recurringDetailReference" : "8315659584588245",
             "shopperReference" : "YOUR_UNIQUE_SELLER_ID_IOfW3k9G2PvXFu2j"
          }
          ],
         ...
       }
   }
   ```

   **Response**

   ```json
   {
       "invalidFields" : [],
       "pspReference" : "9915402175055353",
       "accountHolderCode" : "4a55294d-7841-484d",
       "accountHolderDetails" : {
         ...
          "payoutMethods" : [
            {
               "merchantAccount" : "YOUR_MERCHANT_ACCOUNT",
               "payoutMethodCode": "4a55294d-7841-484d-be06-2e6e9cac824f",
               "recurringDetailReference" : "9915402174902084",
               "shopperReference" : "YOUR_UNIQUE_SELLER_ID_IOfW3k9G2PvXFu2j"
            }
          ],
          ...
       }
   }
   ```

You receive a response that might contain any of the following status codes:

* **HTTP 200**: You can use the information returned in API response, such as the `payoutMethodCode`, but wait for the [ACCOUNT\_HOLDER\_UPDATED](https://docs.adyen.com/api-explorer/Notification/latest/post/ACCOUNT_HOLDER_UPDATED) notification before performing any business logic. The notification confirms when the new payout method has been added in our central database.
* **HTTP 202**: The request has been acknowledged and added to the queue. Use the response to check and confirm the changes you made. Wait for the [ACCOUNT\_HOLDER\_UPDATED](https://docs.adyen.com/api-explorer/Notification/latest/post/ACCOUNT_HOLDER_UPDATED) notification to confirm if the new payout method has been successfully added. Get the corresponding `payoutMethodCode` from the notification.

## Step 3: Submit a card payout

1. Submit a POST [/payoutAccountHolder](https://docs.adyen.com/api-explorer/Fund/latest/post/payoutAccountHolder) using the `payoutMethodCode` returned in the response or notification in [Step 2](#add-card-payout).

   **Submit a payout to the card**

   ```json
   {
       "accountCode" : "9915402177165382",
       "accountHolderCode" : "4a55294d-7841-484d",
       "amount" : {
         "currency" : "USD",
         "value" : 1000
       },
       "description" : "YOUR_DESCRIPTION",
       "merchantReference" : "YOUR_PAYOUT_REFERENCE",
       "payoutMethodCode" : "4a55294d-7841-484d-be06-2e6e9cac824f"
    }
   ```

   **Response**

   ```json
   {
        "invalidFields" : [],
        "merchantReference": "YOUR_PAYOUT_REFERENCE",
        "pspReference" : "9915402175055353",
        "resultCode": "Received"
   }
   ```

2. Wait for the [ACCOUNT\_HOLDER\_PAYOUT](https://docs.adyen.com/api-explorer/Notification/latest/post/ACCOUNT_HOLDER_PAYOUT) notification to confirm the status of the payout.\
   For more information, see [Payout notifications](/classic-platforms/payouts/payout-notifications).

## See also

* [Scheduled payouts](/classic-platforms/payouts/scheduled-payout)
* [Manual payouts](/classic-platforms/payouts/manual-payout)
* [Verification process](/classic-platforms/verification-process)
* [Payout notifications](/classic-platforms/payouts/payout-notifications)
