---
title: "Payment facilitators"
description: "Learn what additional information you must send in your requests if you are a payment facilitator."
url: "https://docs.adyen.com/platforms/online-payments/payment-facilitators"
source_url: "https://docs.adyen.com/platforms/online-payments/payment-facilitators.md"
canonical: "https://docs.adyen.com/platforms/online-payments/payment-facilitators"
last_modified: "2026-05-26T13:48:55+02:00"
language: "en"
---

# Payment facilitators

Learn what additional information you must send in your requests if you are a payment facilitator.

[View source](/platforms/online-payments/payment-facilitators.md)

Card schemes require you to send certain data points with each transaction. These data points must refer to your user, who is considered the Merchant of Record when a transaction is facilitated by your platform.

## Requirements

| Requirement                                                    | Description                                                                                                      |   |
| -------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------- | - |
| **Integration type**                                           | You must have an Adyen [online payments integration and a checkout UI](/online-payments/build-your-integration). |   |
| **[API credentials](/development-resources/api-credentials/)** | You must have credentials for the [Checkout API](https://docs.adyen.com/api-explorer/Checkout/latest/overview).  |   |

## Send user data points with a transaction

During the [/sessions](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions) or [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) authorization for each transaction, card schemes require data points that specify the following information about your user:

* **Unique identifier**: You must assign a unique identifier to each of your users.
* **Name**: You must provide an accurate name for the user that is present on the shopper's statement. For Mastercard, this includes an aggregator prefix.
* **Location**: You must provide the user's location as the location of the transaction.

### Required parameters

You must send `additionalData` parameters with the [/sessions](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions) or [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) authorization request. For cancellations, captures, and refunds, Adyen automatically populates your user's details from the initial payment.

Submit your request using [AdditionalDataSubMerchant](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant) parameters.

The `[subSellerNr]` is always **1**. Submit all `additionalData` parameters as:\
`additionalData.subMerchant.subSeller1.[parameter]`

| Required additional parameters                                                                                                                                                                                                       | Description                                                                                                   |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | ------------------------------------------------------------------------------------------------------------- |
| [additionalData.subMerchant.numberOfSubSellers](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-numberOfSubSellers)                                   | The number of users in the transaction. Set this to **1**.                                                    |
| [additionalData.subMerchant.subSeller\[subSellerNr\].id](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-id)                   | A unique identifier you assigned to your user.                                                                |
| [additionalData.subMerchant.subSeller\[subSellerNr\].name](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-name)               | The name of your user.                                                                                        |
| [additionalData.subMerchant.subSeller\[subSellerNr\].street](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-street)           | The street name and house number of your user's address.                                                      |
| [additionalData.subMerchant.subSeller\[subSellerNr\].postalCode](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-postalCode)   | The postal code of your user's address, without dashes. **Required only in Canada and the United States.      |
| [additionalData.subMerchant.subSeller\[subSellerNr\].city](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-city)               | The city of your user's address.                                                                              |
| [additionalData.subMerchant.subSeller\[subSellerNr\].state](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-state)             | The state code of your user's address, if applicable.                                                         |
| [additionalData.subMerchant.subSeller\[subSellerNr\].country](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-country)         | The three-letter [ISO](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-3) country code of your user's address. |
| [additionalData.subMerchant.subSeller\[subSellerNr\].email](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-email)             | The email address of the user.                                                                                |
|                                                                                                                                                                                                                                      |                                                                                                               |
| [additionalData.subMerchant.subSeller\[subSellerNr\].phoneNumber](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-additionalData-AdditionalDataSubMerchant-subMerchant-subSeller_subSellerNr_-phoneNumber) | The phone number of the user.                                                                                 |

Before going live, confirm with your Adyen contact that the `paymentFacilitatorIds`, `aggregatorPrefix` and `amexCapnSubmitterId` are configured for your platform.

Here is an example of a split payment request facilitated on behalf of your user:

**Split the funds of the payment**

#### curl

```bash
curl https://checkout-test.adyen.com/v72/payments \
-H 'x-api-key: ADYEN_API_KEY' \
-H 'content-type: application/json' \
-X POST \
-d '{
      "paymentMethod": {
          "type": "scheme",
          "number": "4111111111111111",
          "cvc": "737",
          "expiryMonth": "03",
          "expiryYear": "2030",
          "holderName": "John Smith"
      },
      "amount": {
          "value": 40000,
          "currency": "USD"
      },
      "reference": "YOUR_ORDER_NUMBER",
      "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
      "returnUrl": "https://your-company.example.com/...",
      "splits":[
          {
              "amount": {
                  "value": 39600
              },
              "type": "BalanceAccount",
              "account": "BA00000000000000000000001",
              "reference": "Your reference for the sale amount.",
              "description": "Your description for the sale amount."
          },
          {
              "amount": {
                  "value": 400
              },
              "type": "Commission",
              "reference": "Your reference for your commission.",
              "description": "Your description for your commission."
          },
          {
              "type": "PaymentFee",
              "account": "BA00000000000000000000001",
              "reference": "Your reference for the transaction fees.",
              "description": "Your description for the transaction fees."
          }
      ],
      "additionalData" : {
          "subMerchant.numberOfSubSellers" : 1,
          "subMerchant.subSeller1.id" : "12345",
          "subMerchant.subSeller1.name" : "Test Merchant",
          "subMerchant.subSeller1.street" : "Street Address",
          "subMerchant.subSeller1.postalCode" : "POSTAL_CODE",
          "subMerchant.subSeller1.city" : "CITY",
          "subMerchant.subSeller1.state" : "STATE",
          "subMerchant.subSeller1.country" : "COUNTRY"
      }
}'
```

#### Java

```java
// Adyen Java API Library v25.0.0
import com.adyen.Client;
import com.adyen.enums.Environment;
import com.adyen.model.checkout.*;
import java.time.OffsetDateTime;
import java.util.*;
import com.adyen.model.RequestOptions;
import com.adyen.service.checkout.*;

// For the live environment, additionally include your liveEndpointUrlPrefix.
Client client = new Client("ADYEN_API_KEY", Environment.TEST);

// Create the request object(s)
SplitAmount splitAmount1 = new SplitAmount()
  .value(39600L);

SplitAmount splitAmount2 = new SplitAmount()
  .value(400L);

Amount amount = new Amount()
  .currency("USD")
  .value(40000L);

Split split1 = new Split()
  .reference("Your reference for the sale amount.")
  .amount(splitAmount1)
  .description("Your description for the sale amount.")
  .type(Split.TypeEnum.BALANCEACCOUNT)
  .account("BA00000000000000000000001");

Split split2 = new Split()
  .reference("Your reference for your commission.")
  .amount(splitAmount2)
  .description("Your description for your commission.")
  .type(Split.TypeEnum.COMMISSION);

Split split3 = new Split()
  .reference("Your reference for the transaction fees.")
  .description("Your description for the transaction fees.")
  .type(Split.TypeEnum.PAYMENTFEE)
  .account("BA00000000000000000000001");

CardDetails cardDetails = new CardDetails()
  .number("4111111111111111")
  .cvc("737")
  .holderName("John Smith")
  .expiryMonth("03")
  .expiryYear("2030")
  .type(CardDetails.TypeEnum.SCHEME);

PaymentRequest paymentRequest = new PaymentRequest()
  .reference("YOUR_ORDER_NUMBER")
  .amount(amount)
  .splits(Arrays.asList(split1, split2, split3))
  .merchantAccount("YOUR_MERCHANT_ACCOUNT")
  .paymentMethod(new CheckoutPaymentMethod(cardDetails))
  .additionalData(new HashMap<String, String>(Map.of(
    "subMerchant.subSeller1.postalCode", "POSTAL_CODE",
    "subMerchant.subSeller1.id", "12345",
    "subMerchant.subSeller1.street", "Street Address",
    "subMerchant.subSeller1.country", "COUNTRY",
    "subMerchant.subSeller1.city", "CITY",
    "subMerchant.subSeller1.state", "STATE",
    "subMerchant.numberOfSubSellers", "1",
    "subMerchant.subSeller1.name", "Test Merchant"
  )))
  .returnUrl("https://your-company.example.com/...");

// Make the API call
PaymentsApi service = new PaymentsApi(client);
PaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey("UUID"));
```

#### PHP

```php
// Adyen PHP API Library v17.4.0
use Adyen\Client;
use Adyen\Environment;
use Adyen\Model\Checkout\Amount;
use Adyen\Model\Checkout\Split;
use Adyen\Model\Checkout\CheckoutPaymentMethod;
use Adyen\Model\Checkout\SplitAmount;
use Adyen\Model\Checkout\PaymentRequest;
use Adyen\Service\Checkout\PaymentsApi;

$client = new Client();
$client->setXApiKey("ADYEN_API_KEY");
// For the live environment, additionally include your liveEndpointUrlPrefix.
$client->setEnvironment(Environment::TEST);


// Create the request object(s)
$splitAmount1 = new SplitAmount();
$splitAmount1
  ->setValue(39600);

$splitAmount2 = new SplitAmount();
$splitAmount2
  ->setValue(400);

$amount = new Amount();
$amount
  ->setCurrency("USD")
  ->setValue(40000);

$split1 = new Split();
$split1
  ->setReference("Your reference for the sale amount.")
  ->setAmount($splitAmount1)
  ->setDescription("Your description for the sale amount.")
  ->setType("BalanceAccount")
  ->setAccount("BA00000000000000000000001");

$split2 = new Split();
$split2
  ->setReference("Your reference for your commission.")
  ->setAmount($splitAmount2)
  ->setDescription("Your description for your commission.")
  ->setType("Commission");

$split3 = new Split();
$split3
  ->setReference("Your reference for the transaction fees.")
  ->setDescription("Your description for the transaction fees.")
  ->setType("PaymentFee")
  ->setAccount("BA00000000000000000000001");

$checkoutPaymentMethod = new CheckoutPaymentMethod();
$checkoutPaymentMethod
  ->setNumber("4111111111111111")
  ->setCvc("737")
  ->setHolderName("John Smith")
  ->setExpiryMonth("03")
  ->setExpiryYear("2030")
  ->setType("scheme");

$paymentRequest = new PaymentRequest();
$paymentRequest
  ->setReference("YOUR_ORDER_NUMBER")
  ->setAmount($amount)
  ->setSplits(array($split1, $split2, $split3))
  ->setMerchantAccount("YOUR_MERCHANT_ACCOUNT")
  ->setPaymentMethod($checkoutPaymentMethod)
  ->setAdditionalData(
    array(
      "subMerchant.subSeller1.postalCode" => "POSTAL_CODE",
      "subMerchant.subSeller1.id" => "12345",
      "subMerchant.subSeller1.street" => "Street Address",
      "subMerchant.subSeller1.country" => "COUNTRY",
      "subMerchant.subSeller1.city" => "CITY",
      "subMerchant.subSeller1.state" => "STATE",
      "subMerchant.numberOfSubSellers" => "1",
      "subMerchant.subSeller1.name" => "Test Merchant"
    )
  )
  ->setReturnUrl("https://your-company.example.com/...");

$requestOptions['idempotencyKey'] = 'UUID';

// Make the API call
$service = new PaymentsApi($client);
$response = $service->payments($paymentRequest, $requestOptions);
```

#### C\#

```cs
// Adyen .net API Library v14.4.0
using Adyen;
using Environment = Adyen.Model.Environment;
using Adyen.Model;
using Adyen.Model.Checkout;
using Adyen.Service.Checkout;

// For the live environment, additionally include your liveEndpointUrlPrefix.
var config = new Config()
{
    XApiKey = "ADYEN_API_KEY",
    Environment = Environment.Test
};
var client = new Client(config);

// Create the request object(s)
SplitAmount splitAmount1 = new SplitAmount
{
  Value = 39600
};

SplitAmount splitAmount2 = new SplitAmount
{
  Value = 400
};

Amount amount = new Amount
{
  Currency = "USD",
  Value = 40000
};

Split split1 = new Split
{
  Reference = "Your reference for the sale amount.",
  Amount = splitAmount1,
  Description = "Your description for the sale amount.",
  Type = Split.TypeEnum.BalanceAccount,
  Account = "BA00000000000000000000001"
};

Split split2 = new Split
{
  Reference = "Your reference for your commission.",
  Amount = splitAmount2,
  Description = "Your description for your commission.",
  Type = Split.TypeEnum.Commission
};

Split split3 = new Split
{
  Reference = "Your reference for the transaction fees.",
  Description = "Your description for the transaction fees.",
  Type = Split.TypeEnum.PaymentFee,
  Account = "BA00000000000000000000001"
};

CardDetails cardDetails = new CardDetails
{
  Number = "4111111111111111",
  Cvc = "737",
  HolderName = "John Smith",
  ExpiryMonth = "03",
  ExpiryYear = "2030",
  Type = CardDetails.TypeEnum.Scheme
};

PaymentRequest paymentRequest = new PaymentRequest
{
  Reference = "YOUR_ORDER_NUMBER",
  Amount = amount,
  Splits = new List<Split>{ split1, split2, split3 },
  MerchantAccount = "YOUR_MERCHANT_ACCOUNT",
  PaymentMethod = new CheckoutPaymentMethod(cardDetails),
  AdditionalData = new Dictionary<string, string>
  {

    { "subMerchant.subSeller1.postalCode", "POSTAL_CODE" },
    { "subMerchant.subSeller1.id", "12345" },
    { "subMerchant.subSeller1.street", "Street Address" },
    { "subMerchant.subSeller1.country", "COUNTRY" },
    { "subMerchant.subSeller1.city", "CITY" },
    { "subMerchant.subSeller1.state", "STATE" },
    { "subMerchant.numberOfSubSellers", "1" },
    { "subMerchant.subSeller1.name", "Test Merchant" }
  },
  ReturnUrl = "https://your-company.example.com/..."
};

// Make the API call
var service = new PaymentsService(client);
var response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = "UUID"});
```

#### NodeJS (JavaScript)

```js
// Adyen Node API Library v16.2.0
// Require the parts of the module you want to use
const { Client, CheckoutAPI } = require('@adyen/api-library');
// Initialize the client object
// For the live environment, additionally include your liveEndpointUrlPrefix.
const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

// Create the request object(s)
const paymentRequest = {
  paymentMethod: {
    type: "scheme",
    number: "4111111111111111",
    cvc: "737",
    expiryMonth: "03",
    expiryYear: "2030",
    holderName: "John Smith"
  },
  amount: {
    value: 40000,
    currency: "EUR"
  },
  reference: "YOUR_ORDER_NUMBER",
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  returnUrl: "https://your-company.example.com/...",
  splits: [ {
    amount: {
      value: 39600
    },
    type: "BalanceAccount",
    account: "BA00000000000000000000001",
    reference: "Your reference for the sale amount.",
    description: "Your description for the sale amount."
  }, {
    amount: {
      value: 400
    },
    type: "Commission",
    reference: "Your reference for the commission.",
    description: "Your description for the commission."
  }, {
    type: "PaymentFee",
    account: "BA00000000000000000000001",
    reference: "Your reference for the transaction fees.",
    description: "Your description for the transaction fees."
  } ],
  additionalData: {
    "subMerchant.numberOfSubSellers" : 1,
    "subMerchant.subSeller1.id" : "12345",
    "subMerchant.subSeller1.name" : "Test Merchant",
    "subMerchant.subSeller1.street" : "Street Address",
    "subMerchant.subSeller1.postalCode" : "POSTAL_CODE",
    "subMerchant.subSeller1.city" : "CITY",
    "subMerchant.subSeller1.state" : "STATE",
    "subMerchant.subSeller1.country" : "COUNTRY"
  }
}

// Make the API call
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

#### Go

```go
// Adyen Go API Library v9.3.0
import (
  "context"
  "github.com/adyen/adyen-go-api-library/v9/src/common"
  "github.com/adyen/adyen-go-api-library/v9/src/adyen"
  "github.com/adyen/adyen-go-api-library/v9/src/checkout"
)
// For the live environment, additionally include your liveEndpointUrlPrefix.
client := adyen.NewClient(&common.Config{
  ApiKey:      "ADYEN_API_KEY",
  Environment: common.TestEnv,
})

// Create the request object(s)
splitAmount1 := checkout.SplitAmount{
  Value: 39600,
}

splitAmount2 := checkout.SplitAmount{
  Value: 400,
}

amount := checkout.Amount{
  Currency: "USD",
  Value: 40000,
}

split1 := checkout.Split{
  Reference: common.PtrString("Your reference for the sale amount."),
  Amount: &splitAmount1,
  Description: common.PtrString("Your description for the sale amount."),
  Type: "BalanceAccount",
  Account: common.PtrString("BA00000000000000000000001"),
}

split2 := checkout.Split{
  Reference: common.PtrString("Your reference for your commission."),
  Amount: &splitAmount2,
  Description: common.PtrString("Your description for your commission."),
  Type: "Commission",
}

split3 := checkout.Split{
  Reference: common.PtrString("Your reference for the transaction fees."),
  Description: common.PtrString("Your description for the transaction fees."),
  Type: "PaymentFee",
  Account: common.PtrString("BA00000000000000000000001"),
}

cardDetails := checkout.CardDetails{
  Number: common.PtrString("4111111111111111"),
  Cvc: common.PtrString("737"),
  HolderName: common.PtrString("John Smith"),
  ExpiryMonth: common.PtrString("03"),
  ExpiryYear: common.PtrString("2030"),
  Type: common.PtrString("scheme"),
}

paymentRequest := checkout.PaymentRequest{
  Reference: "YOUR_ORDER_NUMBER",
  Amount: amount,
  Splits: []checkout.Split{
      split1, split2, split3,
  },
  MerchantAccount: "YOUR_MERCHANT_ACCOUNT",
  PaymentMethod: checkout.CardDetailsAsCheckoutPaymentMethod(&cardDetails),
  AdditionalData: &map[string]string{
    "subMerchant.subSeller1.postalCode": "POSTAL_CODE",
    "subMerchant.subSeller1.id": "12345",
    "subMerchant.subSeller1.street": "Street Address",
    "subMerchant.subSeller1.country": "COUNTRY",
    "subMerchant.subSeller1.city": "CITY",
    "subMerchant.subSeller1.state": "STATE",
    "subMerchant.numberOfSubSellers": "1",
    "subMerchant.subSeller1.name": "Test Merchant",
  },
  ReturnUrl: "https://your-company.example.com/...",
}

// Make the API call
service := client.Checkout()
req := service.PaymentsApi.PaymentsInput().IdempotencyKey("UUID").PaymentRequest(paymentRequest)
res, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)
```

#### Python

```py
# Adyen Python API Library v12.2.0
import Adyen

adyen = Adyen.Adyen()
adyen.client.xapikey = "ADYEN_API_KEY"
# For the live environment, additionally include your liveEndpointUrlPrefix.
adyen.client.platform = "test" # The environment to use library in.

# Create the request object(s)
json_request = {
  "paymentMethod": {
    "type": "scheme",
    "number": "4111111111111111",
    "cvc": "737",
    "expiryMonth": "03",
    "expiryYear": "2030",
    "holderName": "John Smith"
  },
  "amount": {
    "value": 40000,
    "currency": "USD"
  },
  "reference": "YOUR_ORDER_NUMBER",
  "merchantAccount": "YOUR_MERCHANT_ACCOUNT",
  "returnUrl": "https://your-company.example.com/...",
  "splits": [ {
    "amount": {
      "value": 39600
    },
    "type": "BalanceAccount",
    "account": "BA00000000000000000000001",
    "reference": "Your reference for the sale amount.",
    "description": "Your description for the sale amount."
  }, {
    "amount": {
      "value": 400
    },
    "type": "Commission",
    "reference": "Your reference for your commission.",
    "description": "Your description for your commission."
  }, {
    "type": "PaymentFee",
    "account": "BA00000000000000000000001",
    "reference": "Your reference for the transaction fees.",
    "description": "Your description for the transaction fees."
  } ],
  "additionalData": {
    "subMerchant.numberOfSubSellers" : 1,
    "subMerchant.subSeller1.id" : "12345",
    "subMerchant.subSeller1.name" : "Test Merchant",
    "subMerchant.subSeller1.street" : "Street Address",
    "subMerchant.subSeller1.postalCode" : "POSTAL_CODE",
    "subMerchant.subSeller1.city" : "CITY",
    "subMerchant.subSeller1.state" : "STATE",
    "subMerchant.subSeller1.country" : "COUNTRY"
  }
}

# Make the API call
result = adyen.checkout.payments_api.payments(request=json_request, idempotency_key="UUID")
```

#### Ruby

```rb
# Adyen Ruby API Library v9.3.0
require "adyen-ruby-api-library"

adyen = Adyen::Client.new
adyen.api_key = 'ADYEN_API_KEY'
# For the live environment, additionally include your liveEndpointUrlPrefix.
adyen.env = :test # Set to "live" for live environment

# Create the request object(s)
request_body = {
  :paymentMethod => {
    :type => 'scheme',
    :number => '4111111111111111',
    :cvc => '737',
    :expiryMonth => '03',
    :expiryYear => '2030',
    :holderName => 'John Smith'
  },
  :amount => {
    :value => 40000,
    :currency => 'USD'
  },
  :reference => 'YOUR_ORDER_NUMBER',
  :merchantAccount => 'YOUR_MERCHANT_ACCOUNT',
  :returnUrl => 'https://your-company.example.com/...',
  :splits => [ {
    :amount => {
      :value => 39600
    },
    :type => 'BalanceAccount',
    :account => 'BA00000000000000000000001',
    :reference => 'Your reference for the sale amount.',
    :description => 'Your description for the sale amount.'
  }, {
    :amount => {
      :value => 400
    },
    :type => 'Commission',
    :reference => 'Your reference for your commission.',
    :description => 'Your description for your commission.'
  }, {
    :type => 'PaymentFee',
    :account => 'BA00000000000000000000001',
    :reference => 'Your reference for the transaction fees.',
    :description => 'Your description for the transaction fees.'
  } ],
  :additionalData => {
    :subMerchant.numberOfSubSellers => 1,
    :subMerchant.subSeller1.id => '12345',
    :subMerchant.subSeller1.name => 'Test Merchant',
    :subMerchant.subSeller1.street => 'Street Address',
    :subMerchant.subSeller1.postalCode => 'POSTAL_CODE',
    :subMerchant.subSeller1.city => 'CITY',
    :subMerchant.subSeller1.state => 'STATE',
    :subMerchant.subSeller1.country => 'COUNTRY'
  }
}

# Make the API call
result = adyen.checkout.payments_api.payments(request_body, headers: { 'Idempotency-Key' => 'UUID' })
```

#### NodeJS (TypeScript)

```ts
// Adyen Node API Library v16.2.0
// Require the parts of the module you want to use
import { Client, CheckoutAPI, Types } from "@adyen/api-library";
// Initialize the client object
// For the live environment, additionally include your liveEndpointUrlPrefix.
const client = new Client({apiKey: "ADYEN_API_KEY", environment: "TEST"});

// Create the request object(s)
const splitAmount1: Types.checkout.SplitAmount = {
  value: 39600
};

const splitAmount2: Types.checkout.SplitAmount = {
  value: 400
};

const amount: Types.checkout.Amount = {
  currency: "USD",
  value: 40000
};

const split1: Types.checkout.Split = {
  reference: "Your reference for the sale amount.",
  amount: splitAmount1,
  description: "Your description for the sale amount.",
  type: Types.checkout.Split.TypeEnum.BalanceAccount,
  account: "BA00000000000000000000001"
};

const split2: Types.checkout.Split = {
  reference: "Your reference for your commission.",
  amount: splitAmount2,
  description: "Your description for your commission.",
  type: Types.checkout.Split.TypeEnum.Commission
};

const split3: Types.checkout.Split = {
  reference: "Your reference for the transaction fees.",
  description: "Your description for the transaction fees.",
  type: Types.checkout.Split.TypeEnum.PaymentFee,
  account: "BA00000000000000000000001"
};

const cardDetails: Types.checkout.CardDetails = {
  number: "4111111111111111",
  cvc: "737",
  holderName: "John Smith",
  expiryMonth: "03",
  expiryYear: "2030",
  type: Types.checkout.CardDetails.TypeEnum.Scheme
};

const paymentRequest: Types.checkout.PaymentRequest = {
  reference: "YOUR_ORDER_NUMBER",
  amount: amount,
  splits: [split1, split2, split3],
  merchantAccount: "YOUR_MERCHANT_ACCOUNT",
  paymentMethod: cardDetails,
  additionalData: {
    "subMerchant.subSeller1.postalCode": "POSTAL_CODE",
    "subMerchant.subSeller1.id": "12345",
    "subMerchant.subSeller1.street": "Street Address",
    "subMerchant.subSeller1.country": "COUNTRY",
    "subMerchant.subSeller1.city": "CITY",
    "subMerchant.subSeller1.state": "STATE",
    "subMerchant.numberOfSubSellers": "1",
    "subMerchant.subSeller1.name": "Test Merchant"
  },
  returnUrl: "https://your-company.example.com/..."
};

// Make the API call
const checkoutAPI = new CheckoutAPI(client);
const response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: "UUID" });
```

As a payment facilitator, most payment methods allow you to facilitate ecommerce payments using an aggregated MID (your platform's scheme account), instead of requiring a MID per user.

## Shopper statement

When shoppers check their bank statements, they need to be able to easily identify the charges they see. The text that describes charges is known as a *transaction  description*, *statement descriptor*, *shopper statement*, or *billing descriptor*. If shoppers do not recognize a transaction by its description:

* There is a higher chance your shopper issues a chargeback.
* You can get a fine from the relevant card scheme related to your chargeback rate.

To prevent these issues, ensure that your transaction description contains your brand or the (chain) merchant name that is most recognizable to the cardholder (as required by the card schemes), and optionally customize your transaction description.

If you are not using stores in your platform, you must configure the transaction description that appears on the shopper statement. Depending on this configuration, you can additionally provide a transaction-specific `shopperStatement` in your payment request. For more information, see [Transaction description](/account/transaction-description).

## Next steps

[Split payments at authorization](/platforms/online-payments/split-transactions/split-payments-at-authorization)

[Learn how to split a payment at the time of authorization.](/platforms/online-payments/split-transactions/split-payments-at-authorization)