--- title: "Split transactions between balance accounts" description: "Learn how to split transactions in your platform." url: "https://docs.adyen.com/platforms/in-person-payments/split-transactions" source_url: "https://docs.adyen.com/platforms/in-person-payments/split-transactions.md" canonical: "https://docs.adyen.com/platforms/in-person-payments/split-transactions" last_modified: "2024-04-23T16:12:00+02:00" language: "en" --- # Split transactions between balance accounts Learn how to split transactions in your platform. [View source](/platforms/in-person-payments/split-transactions.md) 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 you must define instructions about how to split the funds between your user's balance accounts and your platform's liable balance account. You can define these instructions in the following ways: * Automatically split all transactions processed through your user's store by setting up [split configuration profiles](/platforms/automatic-split-configuration). * Split transactions by defining instructions for each API request. The instructions you provide in your API requests override the instructions you defined in your split configuration profiles. If you do not provide any split instructions in a split configuration profile or through an API request, the whole transaction amount and fees are booked to your liable balance account. ## Requirements In addition to the [general requirements](/platforms/in-person-payments#requirements) for in-person payments with an Adyen for Platforms integration, take into account the following requirement. | Requirement | Description | | -------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Integration type** | A [Terminal API](/point-of-sale/design-your-integration/terminal-api) integration with [payment terminals](/point-of-sale/what-we-support/select-your-terminals) or with a [Mobile solution](/point-of-sale/ipp-mobile).The standalone solution does not support adding split instructions to individual payments or refunds | ## Split specific transactions If you want to define separate instructions for specific transactions in your platform, you can define the split instructions in your API requests. The instructions you provide in your API requests override any [automatic split configuration profiles](/platforms/automatic-split-configuration) applied to your user's store. The following information on this page explains the process of defining split instructions for specific transactions. Before sending an API request with split instructions, make sure you understand: * [When to provide split instructions](#when-to-provide-split-instructions) * [How you can split a transaction](#how-to-split-a-transaction) * [How to send split instructions](#send-split-instructions) * [Which split types you can include in your request](#split-types) ## When to provide split instructions You can provide instructions to split payments when you make the following requests: * [A Terminal API payment request](/platforms/in-person-payments/split-transactions/split-payments-at-authorization) to authorize a payment. * [A Checkout API `/captures` request](/platforms/in-person-payments/split-transactions/split-payments-at-capture) to capture a payment. You can provide instructions to split refunds when you make the following request: * [A Terminal API referenced refund request](/platforms/in-person-payments/split-transactions/split-refunds) This means that for every individual authorization, capture, or refund request that occurs in your platform, you can determine how to book the funds from that transaction. ## How to split a transaction When you process transactions for your users, you can split the funds and book them to any number of balance accounts in your platform. ### Tab: Payments For payments, you can provide split instructions for booking: * The sale amount for the goods or services * Your platform's commission for the payment * [The fees incurred by the payment](/platforms/in-person-payments/transaction-fees) * [The amount paid by your user to top up their balance account](/platforms/top-up-balance-account/on-demand-top-ups) ### Tab: Refunds For refunds, you can provide split instructions for booking: * The sale amount of the refund * Your platform's commission that is now refunded * [The fees incurred by the refund](/platforms/in-person-payments/transaction-fees) ### Tab: Chargebacks For [chargebacks](/platforms/online-payments/split-transactions/split-chargebacks/), you can provide split instructions for booking: * The disputed amount of the chargeback * The fees incurred by the chargeback ## Send split instructions When you send an API request for a payment or refund, you must define split instructions for each [type of split](#split-types) of the full transaction amount. To define split instructions in your Terminal API payment or referenced refund requests: 1. Format the split instructions either as a string of form-encoded key-value pairs, or as a JSON object converted to a Base64-encoded string. 2. Pass the formatted string of split instructions in the `SaleToAcquirerData` parameter of your [payment authorization](/platforms/in-person-payments/split-transactions/split-payments-at-authorization) or [refund](/platforms/in-person-payments/split-transactions/split-refunds) request. To define split instructions in your Checkout API [/payments/{paymentPspReference}/captures](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/captures) requests: 1. Get the PSP reference of the payment authorization you want to capture. 2. Pass the split instructions in the [splits](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/captures#request-splits) array of your [capture request](/platforms/in-person-payments/split-transactions/split-payments-at-capture). For more information on making a payment, capture, or refund request with splits, see the following pages: * [Split a payment at authorization](/platforms/in-person-payments/split-transactions/split-payments-at-authorization) * [Split a payment at capture](/platforms/in-person-payments/split-transactions/split-payments-at-capture) * [Split refunds](/platforms/in-person-payments/split-transactions/split-refunds) ## Split types When you send an API request for a transaction, you must define split instructions for each split of the full transaction amount using the `SaleToAcquirerData` parameter. In each set of split instructions within the `SaleToAcquirerData`, you must use the `type` field to define the purpose of that split. Certain split types also require you to define other values in the split instructions. For example, when you want to book the split amount to your user's balance account (`type` is **BalanceAccount**), you must specify the ID of that balance account using the `account` parameter. The following table shows the possible split `type` values you can send in your request, and whether you must send another parameter (`account`, `amount`, or `reference`) in the split instruction. If you do not specify an `account` in your split instructions, the split amount is booked to your liable balance account. | Split type | Description | Required additional parameters | Recommended additional parameters | | | ------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------ | --------------------------------- | - | | **BalanceAccount** | Books a part of the transaction to your user's balance account. You must specify the `account` and the `amount` in your request. | `account` `amount` `reference` | | | | **Commission** | Books your platform's commission to your liable balance account. | `amount` | `reference` | | | **Interchange** | Books the fee paid to the issuer to the specified `account`. | | `account` `reference` | | | **SchemeFee** | Books the scheme fee to the specified `account`. | | `account` `reference` | | | **AcquiringFees** | Books the aggregated amount of the interchange and scheme fees to the specified `account`. | | `account` `reference` | | | **AdyenCommission** | Books the transaction fee due to Adyen under [blended rates](https://www.adyen.com/knowledge-hub/interchange-fees-explained) to the specified `account`. | | `account` `reference` | | | **AdyenMarkup** | Books the transaction fee due to Adyen under [Interchange ++ pricing](https://www.adyen.com/knowledge-hub/interchange-fees-explained) to the specified `account`. | | `account` `reference` | | | **AdyenFees** | Books the aggregated amount of Adyen's commission and markup to the specified balance account. | | `account` `reference` | | | **PaymentFee** | Books the aggregated amount of all the [transaction fees](/platforms/in-person-payments/transaction-fees) to the specified `account`. | | `account` `reference` | | | **VAT** | Books the value-added tax (VAT) incurred on a payment to the specified `account`, allowing you to book this tax separately from the sale amount. | `amount` | `account` `reference` | | | **Surcharge** | Books the [surcharge](/platforms/in-person-payments/surcharge) paid by the customer to the specified `account`. | | `account` `reference` | | | **Tip** | Books the [tip (gratuity)](/platforms/in-person-payments/tipping) paid by the customer to the specified `account`. The customer provides the tip amount on the terminal. | | `account` `reference` | | ## Next steps [Split payments at authorization](/platforms/in-person-payments/split-transactions/split-payments-at-authorization) [Learn how to split a payment at the time of authorization.](/platforms/in-person-payments/split-transactions/split-payments-at-authorization) [Split payments at capture](/platforms/in-person-payments/split-transactions/split-payments-at-capture) [Learn how to split a payment at the time of capture.](/platforms/in-person-payments/split-transactions/split-payments-at-capture) [Split refunds](/platforms/in-person-payments/split-transactions/split-refunds) [Learn how to split refunds](/platforms/in-person-payments/split-transactions/split-refunds)