Adyen Transfers API

Name: Adyen Transfers API API
Brand: Adyen Transfers API
Availability: InStock

✓ Official Vendor SpecPaymentsPayouts TransfersapiKey, basic, clientKey9 EndpointsREST

For Agents

Move funds between balance accounts and third-party banks, approve or cancel transfers, return settled transfers, and request capital grants on Adyen's Balance Platform.

Quickstart

Get started with Adyen Transfers API in minutes using your preferred integration method.

# Add to your MCP client config (Claude Desktop, Cursor, Windsurf)
{
  "jentic": {
    "url": "https://api.jentic.com/mcp",
    "auth": "oauth"
  }
}

# Then ask your agent:
"send an Adyen transfer to a bank account"

# → Jentic returns the GET /events tool with parameter schema, agent executes.

Capabilities

What an agent can do with Adyen Transfers API API.

Initiate a transfer from a balance account to a third party or another balance account via POST /transfers

Approve a queued, dual-control transfer via POST /transfers/approve and cancel one via POST /transfers/cancel

Return a previously settled transfer to its source via POST /transfers/{transferId}/returns

List or look up transactions on the Balance Platform via GET /transactions and GET /transactions/{id}

GET STARTED

Start building with Adyen Transfers API API

Explore with Jentic

View OpenAPI Spec

Use for: Transfer funds from a balance account to a third-party bank account, Approve a pending dual-control transfer queued for review, Cancel a pending transfer that has not yet executed, Return a recently settled transfer back to the source

Not supported: Does not authorise card payments, manage balance account configuration, or onboard legal entities — use only for moving funds, approving transfers, and requesting capital grants on Adyen's Balance Platform.

Use Cases

Patterns agents use Adyen Transfers API API for, with concrete tasks.

★ Marketplace Seller Settlement

Marketplaces on Adyen's Balance Platform call POST /transfers to move daily proceeds from the platform's holding balance account to each seller's connected bank account. The Transfers API supports instant rails where the receiving country and bank allow, and falls back to standard rails otherwise. GET /transactions reconciles the resulting movements against the platform's expected ledger.

Call POST /transfers with category=bank, amount.value, amount.currency, counterparty.bankAccount, and balanceAccountId for the seller, then GET /transactions for reconciliation

Dual-Control Transfer Approval

Regulated payout flows require segregation of duties. POST /transfers initiated under a dual-control config returns a transferId in a pending state; a separate user with approval rights calls POST /transfers/approve with the transferId, or POST /transfers/cancel to reject. The classic Payout API equivalent required two distinct API credentials; on the Balance Platform the same control is enforced via Balance Platform users and roles.

Call POST /transfers/approve with the transferId returned from the original POST /transfers call to release the queued transfer for execution

Capital Grant Payouts

Adyen Capital lets eligible merchants take a financing grant repaid from future card receipts. POST /grants requests a grant payout to the merchant's balance account, GET /grants/{id} returns the grant's status and outstanding repayment, and GET /grants lists the merchant's capital account history. This is the integration surface for marketplaces and platforms offering Capital to their sellers.

Call POST /grants with grantOfferId and counterparty.balanceAccount.balanceAccountId to request a Capital grant payout for the merchant

AI Agent Payout Operations via Jentic

An ops agent that processes a daily settlement run searches Jentic for 'send Adyen transfer to bank account', loads the schema for /transfers, and executes per seller from the day's settlement file. Jentic injects X-API-Key from the encrypted vault and the agent never holds the raw secret. The returned transferId is recorded in the operations ledger, and a separate reviewer agent or human approves via /transfers/approve where dual control is configured.

Search Jentic for 'send an Adyen transfer to a bank account', load the transfers schema, then execute one call per seller in the daily settlement file

Key Endpoints

9 endpoints — the adyen transfers api v3 is the balance platform interface for moving money between balance accounts, third-party bank accounts, and capital grants.

METHOD

PATH

DESCRIPTION

POST

/transfers

Initiate a transfer

POST

/transfers/approve

Approve queued transfers

POST

/transfers/cancel

Cancel queued transfers

POST

/transfers/{transferId}/returns

Return a settled transfer

GET

/transactions

List transactions

GET

/transactions/{id}

Get a transaction by ID

POST

/grants

Request a capital grant payout

GET

/grants/{id}

Get a grant by ID

POST

/transfers

Initiate a transfer

POST

/transfers/approve

Approve queued transfers

POST

/transfers/cancel

Cancel queued transfers

POST

/transfers/{transferId}/returns

Return a settled transfer

GET

/transactions

List transactions

GET

Why though Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

Adyen API keys, basic-auth credentials, and clientKey values are stored encrypted in the Jentic vault as separate entries. Agents receive scoped access tokens at execution time — the raw X-API-Key value never enters the agent context, preserving any dual-control configuration on top.

Intent-based discovery

Agents search by intent (e.g., 'send a transfer to a bank account' or 'request a capital grant') and Jentic returns the matching /transfers or /grants operation with its full input schema, so the agent picks the right Balance Platform endpoint without crawling the docs.

Time to first call

Direct Adyen Transfers v3 integration: 3-5 days for Balance Platform onboarding, transfer state machine handling, and webhook reconciliation. Through Jentic: under 1 hour — search, load, execute.

Related APIs

Alternatives and complements available in the Jentic catalogue.

Alternative

Adyen Transfers API v4

Latest major version of the Transfers API

Choose v4 for any new integration; it adds list and lookup endpoints for transfers

Alternative

Adyen Payout API (deprecated)

Classic-platform payout surface that Transfers API replaces

Use Transfers API for any new payout integration; Payout API is deprecated

Complementary

Adyen Balance Platform Configuration API

Configures balance accounts referenced by Transfers API

Use Balance Platform Configuration to create the balance accounts; use Transfers API to move money between them

Complementary

Adyen Legal Entity API

Onboards the legal entities that own the balance accounts

Use Legal Entity API to KYC the entity, then Transfers API to move funds for that entity

FAQs

Specific to using Adyen Transfers API API through Jentic.

What authentication does the Adyen Transfers API v3 use?

The spec declares ApiKeyAuth (X-API-Key header), BasicAuth, and a clientKey scheme. In production the X-API-Key model is the standard server-side choice; the clientKey is used for client-side flows where applicable. Through Jentic, credentials are stored encrypted in the vault and only a scoped execution token is exposed to the agent.

Can I send a transfer to a third-party bank account with the Transfers API?

Yes. POST /transfers accepts a counterparty.bankAccount object describing the destination IBAN or account number, plus amount, balanceAccountId, and category. Adyen routes the transfer over the appropriate rail (instant where supported, standard otherwise) and returns a transferId for tracking.

How do I approve or cancel a pending transfer?

When dual control is configured, POST /transfers returns a transferId in a pending state. A reviewer with the right role calls POST /transfers/approve with that transferId to release the transfer, or POST /transfers/cancel to reject it. Both endpoints accept a list of transferIds for batch approval or rejection.

How do I send a transfer with the Adyen Transfers API through Jentic?

Search Jentic for 'send an Adyen transfer to a bank account', load the transfers schema, then execute with category=bank, amount, counterparty.bankAccount, and balanceAccountId. Jentic injects X-API-Key from the encrypted vault. Get an account at https://app.jentic.com/sign-up.

What are the rate limits for the Adyen Transfers API?

Adyen does not publish a fixed numeric rate limit in the spec; throughput is provisioned per balance platform and risk profile. If 429 responses appear in production, contact Adyen support to review the platform's transfer quota.

Should I use Transfers v3 or v4 for new integrations?

Adyen recommends the latest major version for new integrations; v4 adds GET /transfers list and GET /transfers/{id} alongside refinements to existing endpoints. Use v3 only when an existing integration is already on it; new integrations should target v4.