The image below shows how your Adyen account and your platform account are connected.
Let's say that you have a company called Example Travel with the following setup:
- An Adyen company account ExampleTravelLLC.
- Two Adyen merchant accounts ExampleTravel_NL and ExampleTravel_US.
- A platform called ExampleTravel_Platform.
- The ExampleTravel_Platform has:
- A business bank account holder with one account.
- An individual account holder with multiple accounts.
- Your account holder and liable account.
The boxes in blue—your Adyen merchant accounts and the accounts in your platform—represent the resources where funds flow.
For example, when a customer in the Netherlands pays for a trip offered by the individual account holder:
- The payment is processed in ExampleTravel_NL.
- The funds are settled in the accounts in your platform. For this example, you specify to split the funds between your Liable account and the individual account holder's Account 2. The funds are kept in the account holder's account until they are paid out.
- You pay out to the individual account holder's verified bank account.
Common structures for the accounts in your platform
Adyen for Platforms provides a flexible account structure that supports various platform types and models. In designing your platform, consider how you want to manage accounts and payouts.
Most of our Adyen for Platforms customers use a one-to-one relationship between the account and bank account.
- 1 account holder with 1 bank account.
- 1 account.
You pay out from the account to the account holder's verified bank account.
Multiple accounts and bank accounts
While most platforms only need one account per account holder, you can optionally create multiple accounts. Having multiple accounts helps when an account holder has different business lines and would like to keep funds and accounting history separate for each line. Similarly, an account holder can have multiple bank accounts.
You can use a many-to-many relationship between accounts and bank accounts.
- 1 account holder with multiple bank accounts.
- Multiple accounts.
To pay out the account holder, the platform instructs which account to take funds from and which verified bank account to send the funds to.
In the image below, the account holder has two accounts and two verified bank accounts. When paying out, the platform directs to pay out the funds from Account 2 and send it to Bank account 1.
In case of a one-to-many or many-to-one relationship between accounts and bank accounts, the platform instructs the source account or the destination bank account.