You can offer Adyen-issued cards to your users in your Adyen for Platforms integration. This enables you to make your balance platform more flexible and improve the user experience.
For example, your company is a SaaS platform called Diner Manage. Your company offers management software for small and medium restaurants. To expand your financial services, you want to issue cards to your users, so that they can pay for business-related purchases.
Based on this use case, here is the one of the simplest account structures you can have:
- A company account (DinerManageLLC) that represents your business entity.
- Three merchant accounts, organized by country/region, to manage payment methods available in their area:
- DinerManage_NL
- DinerManage_DE
- DinerManage_BE
If you process online or in-person payments with Adyen, the processed funds are settled in these merchant accounts.
- A balance platform called DinerManage_BalancePlatform, which has:
- A liable account holder for your business.
- A liable balance account to hold the funds of your business in your balance platform.
- For your cardholder:
- An account holder defining your cardholder's capabilities for using Adyen-issued cards.
- One or more balance accounts, based on currency, to hold the funds available for their Adyen-issued cards.
- A legal entity that contains information about your business.
- A legal entity that contains information about your cardholder.
- A business line containing information about your cardholder's industry. In this case, it is food and delivery services.
- A payment instrument (Adyen-issued card) connected to your cardholder's balance account. When your cardholder uses an Adyen-issued card to pay for food orders, the payment funds are deducted from the their balance account.
The following diagram shows how these resources are connected in an Issuing integration.
