---
title: "Receive funds from third parties"
description: "Learn how to receive funds from third parties using an Adyen business account."
url: "https://docs.adyen.com/business-accounts/receive-funds"
source_url: "https://docs.adyen.com/business-accounts/receive-funds.md"
canonical: "https://docs.adyen.com/business-accounts/receive-funds"
last_modified: "2022-02-28T17:18:00+01:00"
language: "en"
---

# Receive funds from third parties

Learn how to receive funds from third parties using an Adyen business account.

[View source](/business-accounts/receive-funds.md)

With an Adyen business account, your users can:

* Receive business-related payments from third parties. These funds are directly credited in their business account and made available in their balance accounts.
* Make business-related payments by accepting incoming direct debit requests from third parties, for example, to pay for subscriptions. Their business accounts are debited.

## Requirements

Ensure that your users have the **receiveFromThirdParty** capability allowed and enabled.

## Supported currencies, locations, and priorities

You can specify how fast you want the funds to arrive to your user's account by setting a priority in the request or schedule. A with a higher priority incurs higher fees. You can set the following priorities for bank transfers:

* **Regular**: Recommended for standard, low-value transactions to a recipient in the same region.

* **Instant**: Transfers funds instantly within the United States, Australia, the United Kingdom, and the [Single Euro Payments Area (SEPA)](https://finance.ec.europa.eu/consumer-finance-and-payments/payment-services/single-euro-payments-area-sepa_en).

* **Fast**: Processes faster than Regular and incurs higher fees. Suitable for high-priority, low-value transfers in the same region.

* **Wire**: The fastest option, with the highest fees. Recommended for high-priority, high-value transfers in the same region.

* **Cross-border**: Recommended for high-value transfers to recipients in other regions or countries.

  When using Cross-border priority, delays and additional fees may occur due to intermediary banks. As a result, the beneficiary may receive a lower amount than the instructed value.

* **Internal**: Transfers between Adyen-issued accounts, such as balance accounts or business accounts.

The following tables show the priorities available for each currency and location.

### Tab: Receive USD

| Priority of incoming transfer | Available for US business accounts                                                          | Available for EU business account                                                           | Available for UK business accounts                                                          |
| ----------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Regular                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Instant                       | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Fast                          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Wire                          | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Cross border                  | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Internal                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### Tab: Receive EUR

| Priority of incoming transfer | Available for USD business accounts                                                         | Available for EUR business account                                                          | Available for GBP business accounts                                                         |
| ----------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Regular                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Instant                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Fast                          | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Wire                          | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Cross border                  | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Internal                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

### Tab: Receive GBP

| Priority of incoming transfer | Available for USD business accounts                                                         | Available for EUR business accounts                                                         | Available for GBP business accounts                                                         |
| ----------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------- |
| Regular                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Instant                       | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |
| Fast                          | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Wire                          | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Cross border                  | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-x-](/user/data/smileys/emoji/x.png "-x-")                                                |
| Internal                      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") |

## Account information for third parties

The following tabs show the account information that you must share with third parties so you can receive funds from them.

### Tab: Account in the US

| Items                                                                             | References   |
| --------------------------------------------------------------------------------- | ------------ |
| Account number format (sample)                                                    | `1322347452` |
| Routing number (Adyen-specific code that is used to move funds locally in the US) | `121045274`  |
| Adyen US BIC (BIC is used for SWIFT/cross-border transactions)                    | `ADYBUS62`   |

### Tab: Account in the Netherlands

| Items                                                          | References               |
| -------------------------------------------------------------- | ------------------------ |
| IBAN format (sample)                                           | `NL12 ADYB 0123 4567 89` |
| Adyen US BIC (BIC is used for SWIFT/cross-border transactions) | `ADYBNL2A`               |

### Tab: Account in the UK

| Items                                                                           | References                    |
| ------------------------------------------------------------------------------- | ----------------------------- |
| Account number format (sample)                                                  | `20004111`                    |
| IBAN format (sample)                                                            | `GB37 ADYB 0429 5720 0041 11` |
| UK sort code (Adyen-specific code that is used to move funds locally in the UK) | `121045274`                   |
| Adyen UK BIC (BIC is used for SWIFT/cross-border transactions)                  | `ADYBGB22`                    |

## Receiving funds

An external party (sender) can send funds to your user's Adyen business account. They must use the business account number which was returned in the API [response](/business-accounts/create-business-accounts#create-business-account-response) when you created the business account.

Your users must have the **receiveFromThirdParty** capability allowed and enabled before they can receive funds on their Adyen business account from external parties.

When a business account receives funds from an external party, Adyen informs your server through [incoming bank transfer webhooks](/business-accounts/third-party-transfer-webhooks#receiving-funds).

## Receiving direct debit requests

An external party can collect payments from your user's Adyen business account through direct debit. We currently support external direct debits in the Single Euro Payments Area (SEPA). SEPA is the standardized infrastructure for bank-to-bank transactions within the European Union.

If your user wants to accept incoming SEPA direct debit requests on their Adyen business account, you need to:

* Inform your user of their rights:

  * They have eight weeks to dispute a SEPA direct debit transaction, without providing a reason.
  * They have thirteen months to dispute an unauthorised or incorrect SEPA direct debit transaction when they provide evidence.

* Ask your Adyen contact to enable receiving SEPA direct debits for your user.

## Next steps

Keep track of Adyen business account transactions using webhooks or by making an API request.

[required](/business-accounts/third-party-transfer-webhooks)

[Get updates through webhooks](/business-accounts/third-party-transfer-webhooks)

[Find out which webhooks Adyen sends for incoming and outgoing transactions.](/business-accounts/third-party-transfer-webhooks)

[Use an API to get updates](/business-accounts/transactions)

[Send API requests to query bank transactions.](/business-accounts/transactions)
