If you process your user's transactions through stores, you can configure the store to automatically apply your billing logic. For example, you can deduct your platform's commission and the transaction fees, or choose how to book potential chargebacks.
This means that you do not need to send split instructions for every payment, capture, refund, or chargeback.
For Adyen to automatically apply the split instructions, you need to:
- Create a split configuration profile that contains the conditions that determine whether to split a payment, and the instructions on how to split the payment.
You can create and manage your split configuration profiles and rules in your Customer Area, or using the Management API. - Link the profile to your user's store when you create or update the store.
By default, all transaction amounts and fees are booked to your platform's liable balance account, which can make reconciliation harder for you platform and users. We recommend that you either create a split configuration profiles, or send the split instructions with every payment, capture, and refund request.
Split configuration profiles
A split configuration profile contains at least one rule. A rule consists of conditions and instructions on how to split transactions. If a transaction meets all conditions of the rule, the split instructions are applied.
If a profile contains multiple rules that apply to the transaction, we use the split instructions from the rule that is the highest in the rule hierarchy.
Conditions
The conditions define if a transaction is split according to the split instructions. If a transaction meets all of the conditions of the rule, then the split instructions are applied.
| Condition | Required | Description |
|---|---|---|
| Currency |  |
Defines whether the rule applies to a specific currency, or all currencies. |
| Payment method | |
Defines whether the rule applies to a specific payment method, or all payment methods associated with the store. You can define different rules for payment method variants as well. |
| Funding source | Defines whether the rule applies to only credit cards, debit cards, or both. | |
| Shopper interaction | |
Defines whether the rule applies to a specific sales channel, or all channels. |
Split instructions
The split instructions determine how a transaction is split: the amounts booked to your liable balance account and to your user's balance accounts, and how they appear in the webhooks and reports.
| Split instruction | Required | Description |
|---|---|---|
| Commission | |
Defines the amount to book to your platform's liable balance account as a commission fee for payments. It can be a fixed amount (specified in minor units), a percentage (specified in basis points), or both. |
| Transaction fees | |
Defines where to book the transaction fees. The fees can be booked either to your liable balance account or your user's balance account, together or separately. |
| Additional commission | Defines whether an additional commission for payments is booked to your user's balance account. | |
| Refund | Defines where to to book the refund amount. | |
| Refund cost allocation | Defines where to book the fees associated with refunds. | |
| Chargeback | Defines where to book the chargeback amount. | |
| Chargeback cost allocation | Defines where to book the fees associated with chargebacks. | |
| Remainder | Defines where to book the leftover amount (after currency conversion). | |
| Surcharge | Defines where to book surcharges. | |
| Tip | Defines where to book tips. |
When a transaction meets all conditions of the rule, Adyen applies the corresponding split instructions.
We recommend that you always include a catch-all rule (set all conditions to ANY) in your profile, because if none of the rules apply to the transaction, then all funds are booked to your liable balance account.
Adyen evaluates all transactions processed through the store, based on the rules in the store's split configuration profile. In case you need to split a specific transaction differently, you can send transaction-specific split instructions in the payment, capture, or refund request. Any split instruction that you send in a request overrides the automatic splits.
Rule hierarchy
If a split configuration profile has multiple rules, and more than one rule applies to the transaction, Adyen applies the rule with the highest priority condition. The conditions are prioritized based on the following hierarchy:
- Currency
- Payment method (or payment method variant)*
- Funding source
- Shopper interaction
The rule hierarchy also takes into account the different payment method variants. For example, you create two rules for your user's store:
- Rule 1 applies to all Visa card payments. In this case, the payment method is set to visa.
- Rule 2 applies to only Visa Signature card payments. In this case, the payment method is set to visasignature.
The payment is evaluated based on the most granular payment method level, so we apply the split instructions of rule 2.
Examples
Here are two example scenarios based on the following split rules:
| Rule | Currency | Payment method | Funding source | Shopper interaction | Commission |
|---|---|---|---|---|---|
| 1 | EUR | Any | Any | Any | EUR 3.00 + 1% |
| 2 | Any | Any | Any | Ecommerce | USD 2.50 + 1% |
| 3 | EUR | visa | Any | Any | EUR 2.00 + 1% |
| 4 | EUR | visasignature | Any | Ecommerce | EUR 1.40 + 1% |
| 5 | EUR | Any | credit | Any | EUR 1.50 + 1% |
Scenario 1: Ecommerce payment in EUR using American Express
- Rule 3 and 4 don't apply, because the payment method is different.
- Out of the rules that do apply, rules 1 and 5 have a higher priority than rule 2 because of the currency (EUR).
- Rule 5 has a higher priority than rule 1 because of the funding source (credit).
Adyen applies rule 5 to split the transaction, and sends EUR 1.50 + 1% to your liable balance account.
Scenario 2: Ecommerce payment in EUR using a Visa debit card
- Rule 4 doesn't apply, because the payment method variant is different.
- Because of the specific currency (EUR), rules 1, 3, and 5 have a higher priority than rule 2 (Any).
- Because of the specific payment method (visa), rule 3 has a higher priority than rules 1 and 5 (Any).
Adyen applies rule 3 to split the transaction, and sends EUR 2.00 + 1% to your liable balance account.
Scenario 3: Ecommerce payment in EUR using a Visa Signature card
- Because of the specific currency (EUR), rules 1, 3, 4, and 5 have a higher priority than rule 2 (Any).
- Because of the specific payment method variant (visasignature), rule 4 has a higher priority than rules 1 and 5 (Any), and rule 3 (visa).
Adyen applies rule 4 to split the transaction, and sends EUR 1.40 + 1% to your liable balance account.
Commission
With each payment you accept on behalf of your users, you can charge them a commission. A commission can either be a fixed amount (fixed commission), a percentage of the payment amount (variable commission), or both.
By default, the variable commission is calculated as a percentage of the total payment amount, which includes the tip and the surcharge paid by the customer. However, if you do not want to charge a commission on the tip and/or surcharge, you can exclude these from the commission calculation.
To configure your preferred commission calculation logic, reach out to our Support Team. Choose between the following options:
- Include the tip and the surcharge in the commission calculation (default).
- Only include the tip in the commission calculation.
- Only include the surcharge in the commission calculation.
- Exclude the tip and the surcharge from the commission calculation.
After a logic has been configured for your platform, the variable commissions you define in the split instructions, including the Additional commission, are calculated according to that logic.
Example - commission calculation
Consider the following example where the customer buys goods worth USD 100.00 from your user. You charge both a fixed and a variable commission on the payment.
| Sale amount | Tip | Surcharge | Total payment amount | Fixed commission | Variable commission |
|---|---|---|---|---|---|
| USD 100.00 | USD 10.00 | USD 1.00 | USD 111.00 | USD 5.00 per payment | 5% of payment amount |
The following table shows how we calculate the variable commission based on the logic you choose, and the total amount that is booked to your user. For each of these cases, the total amount paid by the customer is USD 111.00.
| Logic for calculating variable commission | Amount on which you charge a commission | Fixed commission | Variable commission | Total commission | Amount booked to user |
|---|---|---|---|---|---|
| Include the tip and the surcharge (default) | USD 111.00 | USD 5.00 | USD 5.55 | USD 10.55 | USD 100.45 |
| Only include the tip | USD 110.00 | USD 5.00 | USD 5.50 | USD 10.50 | USD 100.50 |
| Only including the surcharge | USD 101.00 | USD 5.00 | USD 5.05 | USD 10.05 | USD 100.95 |
| Exclude the tip and the surcharge | USD 100.00 | USD 5.00 | USD 5.00 | USD 10.00 | USD 101.00 |
Captures
When you capture a payment that meets all the conditions of your automatic split rule, the funds are booked according to the split instructions of the rule. If the capture amount differs from the original authorization amount, the split amounts are recalculated and the split instructions are applied to the captured amount.