A widely accepted practice for treating deuteron breakup in $A(d,p)B$ reactions relies on solving a three-body $A+n+p$ Schrodinger equation with pairwise $A$-$n$, $A$-$p$ and $n$-$p$ interactions. However, it was shown in [Phys. Rev. C textbf{89}, 024605 (2014)] that projection of the many-body $A+2$ wave function into the three-body $A+n+p$ channel results in a complicated three-body operator that cannot be reduced to a sum of pairwise potentials. It contains explicit contributions from terms that include interactions between the neutron and proton via excitation of the target $A$. Such terms are normally neglected. We estimate the first order contribution of these induced three-body terms and show that applying the adiabatic approximation to solving the $A+n+p$ model results in a simple modification of the two-body nucleon optical potentials. We illustrate the role of these terms for the case of $^{40}$Ca($d,p$)$^{41}$Ca transfer reactions at incident deuteron energies of 11.8, 20 and 56 MeV, using several parameterisations of nonlocal optical potentials.
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