Process payments

With an Adyen for Platforms integration, you can process online transactions on behalf of your users using Adyen's payment processing platform. For each transaction you process, you can split the funds between your users' balance accounts and your liable balance account, and deduct fees and costs as needed.

Prerequisites

Before you can start processing transactions on behalf of your users, you must:

1. Build an Adyen online payments integration and a checkout UI. When you build your integration:

   • Choose between the following server-side flows:

     • Sessions flow : Your server makes a single Checkout API request to the /sessions endpoint. Learn how to build a checkout UI with components.

     • Advanced flow : Your server makes three Checkout API requests, to the /paymentMethods, /payments, and /payments/details endpoints.

     The advanced flow supports more use cases. However, sessions flow is the default integration that we recommend and that meets the requirements for most online payments integrations.

     To ease the process of building your online payments integration, we recommend to integrate Adyen's client-side libraries or server-side libraries.

   • Ensure that your server can receive and accept standard webhooks.

2. Configure payment methods for the merchant accounts in your platform.

3. Ensure that your server can receive and accept payment webhooks specific to your marketplace.

4. Have API credentials for the Checkout API.

Send split instructions

To make sure that the pay-in, settlement, and payout processes run smoothly for all users' transactions, you must book the funds and fees to the correct balance accounts.

This means that in each individual payment, capture, and refund request that you send on behalf of your users, you have to include instructions on how to split the funds between your user's balance accounts and your marketplace's liable balance account.

If you do not provide any split instructions, the whole transaction is booked to your platform's liable balance account, including all associated fees.

For more information, see Split transactions.

Settle funds

After processing transactions for your users, Adyen settles the funds to the balance accounts in your marketplace according to the split instructions you defined. On each balance account, you can configure settlement models that define how the sales funds are settled to your users' transfer instruments.

For more information, see Settle funds.

Webhooks

Adyen sends webhooks to inform you of payment-related events that occur in your marketplace. Subscribe to these webhooks to keep track of these events and their status.

For more information, see Webhooks.