Adyen - Bank account (ACH, SEPA, BACS)

Adyen is a global payment technology company founded in 2006 in Amsterdam, Netherlands. The company provides a single platform for accepting payments across online, mobile, and in-store channels for major enterprises worldwide including Uber, Spotify, and Microsoft. Adyen’s bank account connector processes ACH, SEPA, and BACS payments from bank accounts that Gr4vy stores. It supports two ways to get the account:

Plaid Link—Customers link their bank account through Plaid, and the resulting token is used to process the payment. Adyen only processes Plaid-linked payments for ACH Direct Debit accounts.
Bank account details—You provide the bank account details via the API. This flow supports ACH, SEPA, and BACS schemes. See Bank accounts for details.

Four Adyen connectors debit a buyer’s bank account. Pick the one that matches who collects the account:

ACH Direct Debit (redirect): the buyer enters their account and routing numbers on Adyen’s page, and Adyen keeps them.
SEPA (redirect): the buyer enters their IBAN on Adyen’s page, and Adyen keeps it.
Pay by Bank (redirect): Adyen sends the buyer to Plaid to choose their bank. US only.
Bank account (ACH, SEPA, BACS) (stored in Gr4vy): you send the bank account details or a Plaid-linked account, and Gr4vy stores the account. Use this connector to charge bank accounts that you import into Gr4vy.

Setup

Please follow the common Adyen instructions to get set up with Adyen. Next, make sure to enable the relevant bank payment methods (ACH, SEPA, or BACS) on your configured Adyen account. The following additional settings are available.

Force direct bank details—When enabled, the system skips attempting to exchange a Plaid processor token with Adyen and instead fetches raw bank details (account number, routing number, IBAN, or sort code) from Plaid directly. This saves an API call per payment and is useful when you prefer to always process with raw bank details. This setting has no effect on transactions that already use the direct bank payment method.

Prerequisites

To use bank payments via Adyen, you must have:

Adyen bank payments enabled: The relevant bank payment method (ACH, SEPA, or BACS) must be enabled in your Adyen account
Plaid configured: For Plaid-linked payments, set up Plaid in your Gr4vy dashboard to handle bank account linking

For Plaid-linked payments, the integration flow requires customers to first link their bank account through Plaid Link, then use the resulting public token to create a transaction that is processed through Adyen. For bank account details, you submit them via the API without requiring Plaid.

Capabilities

Supported countries

Supported currencies

Billing details

Some schemes need billing details on the buyer or transaction. When a required field is missing, the transaction fails with the missing_billing_address error code.

ACH: Include the billing address state_code in ISO 3166-2 format, for example US-UT. Gr4vy sends Adyen’s state or province from state_code only, not from the free-text state. See Billing address.
SEPA: For an IBAN from a SEPA country outside the European Economic Area, such as CH or GB, include a billing address with line1, house_number_or_name, postal_code, city, and country.
BACS: Include the buyer’s billing email address.

Limitations

Refunds

Partial refunds are not supported for unsettled bank transactions. If you need to refund a bank transaction before it has settled, you must refund the full transaction amount. Once a transaction has settled, partial refunds become available.

Payment methods

This connector supports bank accounts linked through Plaid (ACH, SEPA, and BACS) and bank account details submitted via the API. See Bank accounts for that flow.

Usage

You can create bank payments via Adyen using either Plaid Link or bank account details.

Option 1: Plaid Link

First, use Plaid Link to securely connect the customer’s bank account. See the Plaid integration guide for detailed instructions on implementing Plaid Link. When the customer successfully links their account, you’ll receive a publicToken and account metadata from Plaid. Use the publicToken from Plaid to create a transaction that is processed through the Adyen bank connector.

var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
        Amount = 1299,
        Currency = "USD",
        Country = "US",
        Intent = "capture",
        // The method discriminator defaults to "plaid" and isn't set explicitly
        PaymentMethod = TransactionCreatePaymentMethod.CreatePlaidPaymentMethodCreate(
            new PlaidPaymentMethodCreate()
            {
                Token = "public-sandbox-xxxxx",
                AccountId = "account-id-from-metadata"
            }
        ),
        Buyer = new GuestBuyer()
        {
            BillingDetails = new BillingDetails()
            {
                FirstName = "John",
                LastName = "Doe"
            }
        },
        PaymentServiceId = "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"
    }
);

amount := int64(1299)
currency := "USD"
country := "US"
paymentServiceId := "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"

// The method discriminator defaults to "plaid" and isn't set explicitly
plaidPaymentMethodCreate := components.PlaidPaymentMethodCreate{
    Token:     "public-sandbox-xxxxx",
    AccountID: gr4vy.String("account-id-from-metadata"),
}
paymentMethod := components.CreateTransactionCreatePaymentMethodPlaidPaymentMethodCreate(plaidPaymentMethodCreate)

transactionCreate := components.TransactionCreate{
    Amount:        amount,
    Currency:      currency,
    Country:       &country,
    Intent:        gr4vy.Pointer(components.TransactionIntentCapture),
    PaymentMethod: &paymentMethod,
    Buyer: &components.GuestBuyer{
        BillingDetails: &components.BillingDetails{
            FirstName: gr4vy.String("John"),
            LastName:  gr4vy.String("Doe"),
        },
    },
    PaymentServiceID: &paymentServiceId,
}

transaction, err := client.Transactions.Create(ctx, transactionCreate, nil, nil, nil)

CreateTransactionResponse transactionResponse = gr4vyClient.transactions().create()
    .transactionCreate(TransactionCreate.builder()
        .amount(1299L)
        .currency("USD")
        .country("US")
        .intent(TransactionIntent.CAPTURE)
        // The method discriminator defaults to "plaid" and isn't set explicitly
        .paymentMethod(TransactionCreatePaymentMethod.of(PlaidPaymentMethodCreate.builder()
            .token("public-sandbox-xxxxx")
            .accountId("account-id-from-metadata")
            .build()))
        .buyer(GuestBuyer.builder()
            .billingDetails(BillingDetails.builder()
                .firstName("John")
                .lastName("Doe")
                .build())
            .build())
        .paymentServiceId("xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx")
        .build())
    .call();

Transaction transaction = transactionResponse.transaction().orElse(null);

$transactionCreate = new TransactionCreate(
    amount: 1299,
    currency: 'USD',
    country: 'US',
    intent: 'capture',
    // The method discriminator defaults to "plaid" and isn't set explicitly
    paymentMethod: new PlaidPaymentMethodCreate(
        token: 'public-sandbox-xxxxx',
        accountId: 'account-id-from-metadata'
    ),
    buyer: new GuestBuyer(
        billingDetails: new BillingDetails(
            firstName: 'John',
            lastName: 'Doe'
        )
    ),
    paymentServiceId: 'xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx'
);
$response = self::$sdk->transactions->create($transactionCreate);
$transaction = $response->transaction;

transaction: models.Transaction = client.transactions.create(
    amount=1299,
    currency="USD",
    country="US",
    intent="capture",
    # The method discriminator defaults to "plaid" and isn't set explicitly
    payment_method=models.PlaidPaymentMethodCreate(
        token="public-sandbox-xxxxx",
        account_id="account-id-from-metadata"
    ),
    buyer=models.GuestBuyer(
        billing_details=models.BillingDetails(
            first_name="John",
            last_name="Doe"
        )
    ),
    payment_service_id="xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"
)

const transaction = await gr4vy.transactions.create({
    amount: 1299,
    currency: "USD",
    country: "US",
    intent: "capture",
    paymentMethod: {
        method: "plaid",
        token: "public-sandbox-xxxxx",
        accountId: "account-id-from-metadata"
    },
    buyer: {
        billingDetails: {
            firstName: "John",
            lastName: "Doe"
        }
    },
    paymentServiceId: "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"
})

Key parameters:

method - Set to plaid to indicate a Plaid-linked bank account
token - The public token received from Plaid Link
account_id - Optional. The specific account ID from Plaid metadata if the customer linked multiple accounts
payment_service_id - The UUID of your Adyen bank connection (found in Gr4vy dashboard)

The transaction is processed through Adyen as an ACH Direct Debit payment using the bank account details securely retrieved from Plaid.

Option 2: Bank account details

Submit raw bank account details directly via the API. Set method to bank and scheme to the appropriate value (ach, sepa, or bacs). The following example uses the ach scheme. For SEPA, replace the scheme with sepa and provide the IBAN as the account_number. For BACS, replace the scheme with bacs and provide the sort code as the routing_number.

var transaction = await client.Transactions.CreateAsync(
    transactionCreate: new TransactionCreate()
    {
        Amount = 1299,
        Currency = "USD",
        Country = "US",
        Intent = "capture",
        PaymentMethod = TransactionCreatePaymentMethod.CreateACHBankPaymentMethodCreate(
            new ACHBankPaymentMethodCreate()
            {
                AccountNumber = "1234567890",
                RoutingNumber = "011000138",
                AccountType = "checking",
                AccountHolder = new BankAccountHolder()
                {
                    FirstName = "John",
                    LastName = "Doe"
                }
            }
        ),
        PaymentServiceId = "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"
    }
);

amount := int64(1299)
currency := "USD"
country := "US"
paymentServiceId := "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"

achPaymentMethod := components.ACHBankPaymentMethodCreate{
    AccountNumber: "1234567890",
    RoutingNumber: "011000138",
    AccountType:   components.AccountTypeChecking,
    AccountHolder: components.BankAccountHolder{
        FirstName: gr4vy.String("John"),
        LastName:  gr4vy.String("Doe"),
    },
}
paymentMethod := components.CreateTransactionCreatePaymentMethodACHBankPaymentMethodCreate(achPaymentMethod)

transactionCreate := components.TransactionCreate{
    Amount:           amount,
    Currency:         currency,
    Country:          &country,
    Intent:           gr4vy.Pointer(components.TransactionIntentCapture),
    PaymentMethod:    &paymentMethod,
    PaymentServiceID: &paymentServiceId,
}

transaction, err := client.Transactions.Create(ctx, transactionCreate, nil, nil, nil)

CreateTransactionResponse transactionResponse = gr4vyClient.transactions().create()
    .transactionCreate(TransactionCreate.builder()
        .amount(1299L)
        .currency("USD")
        .country("US")
        .intent(TransactionIntent.CAPTURE)
        .paymentMethod(TransactionCreatePaymentMethod.of(ACHBankPaymentMethodCreate.builder()
            .accountNumber("1234567890")
            .routingNumber("011000138")
            .accountType(AccountType.CHECKING)
            .accountHolder(BankAccountHolder.builder()
                .firstName("John")
                .lastName("Doe")
                .build())
            .build()))
        .paymentServiceId("xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx")
        .build())
    .call();

Transaction transaction = transactionResponse.transaction().orElse(null);

$transactionCreate = new TransactionCreate(
    amount: 1299,
    currency: 'USD',
    country: 'US',
    intent: 'capture',
    paymentMethod: new ACHBankPaymentMethodCreate(
        accountNumber: '1234567890',
        routingNumber: '011000138',
        accountType: 'checking',
        accountHolder: new BankAccountHolder(
            firstName: 'John',
            lastName: 'Doe'
        )
    ),
    paymentServiceId: 'xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx'
);
$response = $sdk->transactions->create($transactionCreate);
$transaction = $response->transaction;

transaction = client.transactions.create(
    amount=1299,
    currency="USD",
    country="US",
    intent="capture",
    payment_method={
        "method": "bank",
        "scheme": "ach",
        "account_number": "1234567890",
        "routing_number": "011000138",
        "account_type": "checking",
        "account_holder": {
            "first_name": "John",
            "last_name": "Doe"
        }
    },
    payment_service_id="xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"
)

const transaction = await client.transactions.create({
    amount: 1299,
    currency: "USD",
    country: "US",
    intent: "capture",
    paymentMethod: {
        method: "bank",
        scheme: "ach",
        accountNumber: "1234567890",
        routingNumber: "011000138",
        accountType: "checking",
        accountHolder: {
            firstName: "John",
            lastName: "Doe"
        }
    },
    paymentServiceId: "xxxxxxxx-xxxx-xxxx-xxxx-xxxxxxxxxxxx"
});

For vaulting, recurring payments, and additional details, see the Bank accounts guide.

Testing

In a test environment, you can use Plaid’s sandbox mode along with Adyen’s test environment:

Configure Plaid with sandbox credentials
Use Plaid’s test credentials to link a test bank account
Process test transactions through Adyen’s sandbox

For bank account details, use Adyen’s test account numbers for ACH, SEPA, or BACS as documented in Adyen’s testing guides. Refer to Plaid’s testing documentation for available test credentials and scenarios.

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Adyen - Bank account (ACH, SEPA, BACS)

Setup

Prerequisites

Capabilities

Supported countries

Supported currencies

Billing details

Limitations

Refunds

Payment methods

Usage

Option 1: Plaid Link

Option 2: Bank account details

Testing

​Setup

​Prerequisites

​Capabilities

​Supported countries

​Supported currencies

​Billing details

​Limitations

​Refunds

​Payment methods

​Usage

​Option 1: Plaid Link

​Option 2: Bank account details

​Testing

Setup

Prerequisites

Capabilities

Supported countries

Supported currencies

Billing details

Limitations

Refunds

Payment methods

Usage

Option 1: Plaid Link

Option 2: Bank account details

Testing