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Split refunds

Learn how to split the funds in a refund.

When processing a refund for your user, you can split the refund amount between the balance accounts in your platform. This allows you to choose who is liable for the refund.

We recommend that you always provide split data in refunds so that you are always in control and can support different refund scenarios, such as partial and multiple partial refunds.

Send split data in your refund request to support different refund scenarios, such as a partial and multiple partial refunds.

When sending split data on a refund request, you must:

  • Only use balance accounts that were part of the original split.
  • Use the same reference values from the original split.

For example, let's split a USD 10 payment with USD 2 going to your liable balance account and USD 8 going to account BA00000000000000000000003. The split data has reference values splitId_1 and splitId_1_commission.

Here is an example /payments request with a splits array.

The following example is the refund of the above payment if you split the refund with USD 5 from your liable balance account and USD 5 from account BA32272223222B5DHXHHG73VM. The refund must use the same reference values as the original split data in the payment request (splitId_1 and splitId_1_commission).

Here is an example /payments/{paymentPspReference}/refunds request where you provide the split data in the splits array:

Validating split information

The API request validates only the format of the split data, not the balance accounts specified in the request. This means that even if the payment, capture, and refund is successful, it is possible that the funds are not credited to/deducted from the specified balance account. If the balance account does not exist, or it is linked to an account holder with a closed status, the full transaction (sale amount, commission, and fees) is booked to your platform's liable balance account.

To correct the balances, you can transfer the funds between the balance accounts in your platform.

See also