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Account structure with business accounts

Understand how business accounts can be connected to your platform account.

To make your platform more flexible and improve your users' experience, you can offer business accounts to your users.

For example, you have a large food delivery company called Food delivery, where your users are delivery drivers and restaurants. You want to create business accounts for the restaurants to pay their suppliers and partners.

Based on this use case, here is one of the simplest account structures you can have:

  • A company account (FoodDeliveryLLC), that represents your business entity.
  • Three merchant accounts, organized by country/region, to manage payment methods available in their area:
    • FoodDelivery_NL
    • FoodDelivery_DE
    • FoodDelivery_BE
  • A store tied to each merchant account, representing your user's restaurant locations:
    • Restaurant_AMS
    • Restaurant_BER
    • Restaurant_BRU
  • A balance platform called FoodDelivery_BalancePlatform, which has:
    • A liable account holder for your platform, and a liable balance account to hold your platform's funds.
    • For each user:
      • An account holder defining your user's payment processing capabilities.
      • Multiple balance accounts, based on currency, to hold your user's funds.
  • A legal entity containing information about your platform.
  • For each user, a legal entity containing information about their business.
  • A business line containing information about your user's industry. In this case, it is food and delivery services.
  • A payment instrument, whose transactions are processed using the funds in your user's balance account:
    • A business account for each restaurant, that they can use to pay their suppliers and partners.

The following diagram shows how these resources are connected.