{"title":"Process payments","category":"default","creationDate":1571779920,"content":"
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This page explains how to process payments with an Enterprise Issuing integration. If you are using Embedded Issuing, see respective pages for marketplaces<\/a> or platforms<\/a>.<\/p>\n<\/div>\n

In addition to issuing cards, you can use Adyen's payment processing platform to acquire payments for your business. You can process both online<\/a> and in-person payments<\/a> from your customers. If you want, you can use the revenue from these acquired payments to fund your Adyen-issued cards.<\/p>\n

Fund settlement<\/h2>\n
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  1. Payments are processed through your stores and arrive in your merchant account in a pending state.<\/li>\n
  2. After the configured settlement delay (T+2 by default), these funds become available in your merchant account.<\/li>\n
  3. Adyen deducts the fees incurred on these payments from your merchant account.<\/li>\n
  4. All the remaining available funds are then aggregated into a net settlement batch. By default, these batches are created on an hourly basis. You can also opt to have them created on a daily basis instead. To do this, reach out to your Adyen contact.<\/li>\n
  5. The funds from each settlement batch are booked to the balance platform and get settled in the balance account configured for that merchant account.<\/li>\n
  6. You can use the amounts in your balance accounts to fund your Adyen-issued cards or pay out the funds to your transfer instrument (verified external bank account).<\/li>\n<\/ol>\n

    Flow of funds<\/h2>\n

    In the following example, you have a hotel called HotelChainLLC<\/strong> with 2 hotel branches in Europe:<\/p>\n