---
title: "Repayment"
description: "Learn how to make payments toward your user's business financing balance."
url: "https://docs.adyen.com/capital/repayment"
source_url: "https://docs.adyen.com/capital/repayment.md"
canonical: "https://docs.adyen.com/capital/repayment"
last_modified: "2026-06-01T15:33:15+02:00"
language: "en"
---

# Repayment

Learn how to make payments toward your user's business financing balance.

[View source](/capital/repayment.md)

By default, Adyen deducts a fixed percentage from each sale to repay the outstanding grant amount. This process is known as *scheduled* (regular) repayment. Your users can also make *unscheduled* repayments, such as paying off their grant early or covering missed payments. This option requires additional steps from you.

Both scheduled and unscheduled repayment options are available with any integration method, whether you use UI components or the API.

This page explains how to make payments toward your users' business financing balances.

## Scheduled repayments

With scheduled repayments, we reserve a fixed percentage of funds from the net captured volume immediately upon capture. The net captured volume is calculated as the funds captured minus the funds refunded or charged back. At the end of each [sales day](https://docs.adyen.com/platforms/settle-funds#sales-day-settlement/?target=_blank), we deduct the reserved funds from your user's balance account as part of the repayment process.

If the net captured volume for a specific day is negative, we release the reserved amount for that day. On these days, we do not trigger any repayments due to the release.

To monitor that repayments are made on time, we calculate a *threshold amount*. This threshold represents the minimum repayment we expect the user to make each 30-day period to ensure the entire grant amount is repaid within the maximum repayment term. If the total repayment within a 30-day period falls under this threshold, we may take additional steps to secure timely repayment.

## Unscheduled repayments

This feature is currently only available for users operating in Europe, the United Kingdom, and the United States.

Users can make unscheduled repayments by transferring funds to the dedicated bank account, such as an IBAN, assigned to each disbursement.

You can obtain dedicated bank account details in two ways, depending on your Capital implementation:

* For API-only implementations, [retrieve the bank account details](/capital/manage-disbursements#unscheduled-repayments) through an API call and share them with your users.
* With UI components, users can view and copy bank account details for their active grant directly in the interface. This feature is available from library version 1.4.0. Refer to the [standard user flow](/capital/capital-components/?component=Capital\&integration=components\&version=1.5.x#standard-user-flow) for more information.

After users have the bank details, they can transfer repayment funds from their verified bank account (transfer instrument).

## See also

* [Grant lifecycle and status](/capital/grant-lifecycle-and-status)
* [Webhook structures and types for Capital](/capital/webhook-types)
