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Automatically split payments in stores

Split payments automatically when processing through stores.

When processing payments through stores, you can create a configuration to automatically maintain and apply your billing logic. This means that you no longer need to send instructions about how to split a transaction amount in every payment or capture request.

For Adyen to automatically split transaction amounts, you'll need to:

  1. Create a split configuration that contains commission fees and transaction conditions.
  2. Create or update the store to add the split configuration and the account to which the split amount must be sent.

When we receive a transaction, we evaluate if it meets the conditions in the configuration. If it does, we apply the commission fee and split the funds between your liable account and the account specified for that store.

Before you begin

  1. Check if you have an integration that uses stores. Stores are currently available only for point of sale and partner platforms integrations.
  2. Contact our Support Team to enable split configuration for your platform.
  3. Make sure you have the Manage split configuration settings role for your Customer Area user.

How split configuration works

A split configuration contains one or more rules that defines commission fees and conditions when the fee applies. You create and manage split configurations in your Customer Area.

Each rule in a split configuration must have:

  • Commission fees. This amount could be fixed, a percentage of the total amount, or both.
  • Conditions for the rule. You must define a value for each condition. A transaction must meet all the conditions before the rule can be applied.
    • Channel: The sales channel. This can be a specific channel (such as ecommerce) or any sales channel.
    • Currency: Can be specific or any currency.
    • Payment method: Can be specific or any payment method available to the store.

If a transaction meets all the conditions of a rule, Adyen applies the corresponding commission fee. We recommend that you include a catchall rule (set all conditions to any), because if none of the rules apply to the transaction, then all the funds will go to the liable account.

Adyen evaluates the rules in the split configuration for all the transactions processed through the store. If you need to change the commission fees for specific transactions, you can send split data in the payment or capture API request. Any split data that you send through the API overrides the automatic split.

Rule hierarchy

If a split configuration has multiple rules and more than one rule applies to the transaction, Adyen applies the fee from the rule with the highest priority. The rules are prioritized based on the following hierarchy:

  1. Currency
  2. Payment method
  3. Channel

Examples

Let's take for example the following split configuration rules.

Channel Currency Payment Method Fee
1 Any EUR Any EUR 3.00 + 1%
2 Ecommerce Any Any USD 2.50 + 1%
3 Any EUR Visa EUR 2.00 + 1%
4 Ecommerce EUR Any EUR 1.50 + 1%

Scenario 1
An ecommerce transaction in EUR, using American Express.

The transaction meets the conditions for rules 1, 2, and 4, but rule 4 has the highest priority because it matches the specific currency (EUR) and channel (ecommerce). Adyen splits the transaction and sends EUR 1.50 + 1% to your liable account.

Scenario 2

An ecommerce transaction in EUR, using Visa.

The transaction meets the conditions for all the rules, but rule 3 has the highest priority because of the combination of specific currency (EUR) and payment method (Visa). Rule 3 has higher priority than rule 2 with the specific currency (EUR) and channel (ecommerce). Adyen splits the transaction and sends EUR 2.00 + 1% to your liable account.

Step 1: Create a split configuration

Now that you know how split configurations work, you can create and manage split configurations in your Customer Area. To access the page, make sure your Customer Area user has the Manage split configuration settings role.

  1. Log in to your Customer Area and switch to your merchant account.
  2. Go to Platform > Split configuration.
  3. Select the Add configuration profile button.
  4. Specify a name for the configuration.
  5. Select the Create button.

The new configuration will have a UUID under the configuration name. Take note of this because you'll use this later to create or update the store.

To add rules to a split configuration:

  1. Go to Platform > Split configuration.
  2. Find the specific profile and select the + button to see the configuration panel.
  3. Select the Add rule button.
  4. Configure the Channel, Scheme (payment method), Currency, Fixed Fee, and Variable Fee. Select the values from the dropdown list.
  5. Select the Create button.

The combination of Channel, Scheme, and Currency must be unique for each rule.

Step 2: Create or update the store

Make a POST /updateAccountHolder request to add the split configuration. In your request, include the following in the storeDetails array:

Here is how you would update an account holder to create a store with a split configuration.

Add store with split configuration to an account holder

If the store already exists, you can update the store entry to add the split configuration.

Add split configuration to account holder with existing store

Requests using /updateAccountHolder are processed asynchronously. You'll receive a response to your API request, but you must rely on the ACCOUNT_HOLDER_UPDATED notification webhook to know the final result of your request.

See also