{"title":"Processing online payments","category":"Classic Platforms","creationDate":1776961628,"content":"<div class=\"sc-notice info\"><div>\n<p>This page is for classic Adyen for Platforms integrations. If you are just starting your implementation, refer to our <a href=\"\/pt\/adyen-for-platforms-model\">new integration guide<\/a> instead.<\/p>\n<\/div><\/div>\n<p>With every payment, capture, or refund on Adyen for Platforms, you can split the funds between any number of <a href=\"\/pt\/classic-platforms\/account-structure\/#your-platform\">accounts in your platform<\/a>, including your liable account. For example, when a customer pays on your platform, you can split the funds so that a portion goes to your liable account as platform fee, and the sale amount goes to the account holder's account.<\/p>\n<p>You can <a href=\"#providing-split-instructions\">provide split instructions through API requests<\/a>, or if your integration processes payments through stores, you can also <a href=\"\/pt\/classic-platforms\/processing-payments\/split-data-in-additionaldata\">create a split configuration<\/a> to automatically split payments. If you do not provide split instructions, the payments and all associated fees are booked to your platform's liable account.<\/p>\n<h3 id=\"supported-payment-methods\">Supported payment methods<\/h3>\n<p>Adyen for Platforms supports a wide range of payment methods, such as major card brands (Visa, Mastercard, American Express, Discover\/Diners), Apple Pay, Google Pay, SEPA, iDEAL, and more. Restrictions may apply where Adyen is not in the settlement flow. Reach out to your sales manager to confirm.<\/p>\n<h2 id=\"providing-split-instructions\">Providing split instructions through API requests<\/h2>\n<p>You can split an incoming or outgoing fund transfer into a maximum of 1000 split items, booked to different <a href=\"\/pt\/classic-platforms\/account-structure\/#your-platform\">accounts in your platform<\/a>, including your liable account.<\/p>\n<p>You can provide split instructions:<\/p>\n<ul>\n<li><a href=\"#processing-split-payments\">At the time of payment<\/a>.<\/li>\n<li>When\u00a0<a href=\"#split-at-capture\">capturing<\/a> a payment.<\/li>\n<li>When <a href=\"#split-a-refund\">refunding<\/a> a payment.<\/li>\n<\/ul>\n<p>To split funds, you'll need to send the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-splits\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">splits<\/a> array. For each split object in the array, you need to specify the following fields:<\/p>\n<ul>\n<li> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-splits-account\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">account<\/a>&#58; The  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Account\/latest\/post\/getAccountHolder#responses-200-accounts-accountCode\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">accountCode<\/a> of the account where the split amount will be sent.<\/li>\n<li> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-splits-amount-value\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">amount.value<\/a>&#58; The split amount.<\/li>\n<li> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-splits-type\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">type<\/a>&#58; When sending the amount to any other account in your platform, set the type to <span translate=\"no\"><strong>MarketPlace<\/strong><\/span>. Other types such as <span translate=\"no\"><strong>Commission<\/strong><\/span> or <span translate=\"no\"><strong>VAT<\/strong><\/span> sends the split amount to your liable account.<\/li>\n<li> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-splits-reference\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">reference<\/a>&#58; Your unique identifier for the split. While this field is only required in the API if <code>type<\/code> is <span translate=\"no\"><strong>MarketPlace<\/strong><\/span>, we strongly recommend that you send a reference for all other types. You can use the reference to reconcile the split and the associated payment in the transaction overview and in the <a href=\"\/pt\/classic-platforms\/reconciliation-use-cases\">reports<\/a>. Without a reference, the amounts are merged and you will be unable to reconcile the split.<\/li>\n<\/ul>\n<p>For example, when a customer pays for goods on your platform for USD&nbsp;400.00, you can split the payment such that:<\/p>\n<ul>\n<li>USD&nbsp;300.00 goes to the seller's account as payment for the goods. You'll send the payment to the account of the seller account holder with  <code>accountCode<\/code> <strong>8516026831348764<\/strong>.<\/li>\n<li>USD&nbsp;100.00 goes to your liable account as your platform's commission.<\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Structure of a splits array'\" :id=\"''\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"splits\\\":[\\n    {\\n         \\\"amount\\\":{\\n             \\\"value\\\":30000\\n         },\\n         \\\"type\\\":\\\"MarketPlace\\\",\\n         \\\"account\\\":\\\"8516026831348764\\\",\\n         \\\"reference\\\":\\\"QXhlbFN0b2x0ZW5iZXJnCg\\\"\\n      },\\n      {\\n         \\\"amount\\\":{\\n             \\\"value\\\":10000\\n         },\\n         \\\"type\\\":\\\"Commission\\\",\\n         \\\"reference\\\":\\\"THVjYXNCbGVkc29lCg\\\"\\n      }\\n   ]\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h3 id=\"validating-split-instructions\">Validating split instructions<\/h3>\n<p>Adyen frontend systems only validate the format of the split instructions. The accounts provided in split instructions are <strong>not<\/strong> validated by the frontend.<\/p>\n<p>If you provide split instructions with an account that does not exist, or an account belonging to an account holder with a <a href=\"\/pt\/classic-platforms\/verification-process#account-holder-statuses\"><strong>Closed<\/strong> status<\/a>, the full amount of the transaction will be sent to the liable account regardless of the original split instructions.<\/p>\n<p>You will receive a <a href=\"https:\/\/docs.adyen.com\/api-explorer\/#\/NotificationService\/latest\/PAYMENT_FAILURE\" class=\"codeLabel external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">PAYMENT_FAILURE<\/a> notification of the failed split. You can use <a href=\"\/pt\/classic-platforms\/fund-transfer\">Fund transfer<\/a> to correct any account balances.<\/p>\n<h2 id=\"processing-split-payments\">Split at payment<\/h2>\n<p>To split funds at the time of payment, <a href=\"#providing-split-instructions\">provide split instructions<\/a> in your POST  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/payments<\/a> request. You can send split instructions regardless of your <a href=\"\/pt\/get-started-with-adyen\/adyen-glossary\/#pci-compliance\">PCI compliance level<\/a>.<\/p>\n<p>If you do not know what the total split will look like for your account holders at the time of a payment, you can skip providing any split instructions at payment and instead <a href=\"#split-at-capture\">provide split instructions at capture<\/a>. Split data provided at capture overrides any split instructions provided with the initial payment request.<\/p>\n<p>Below is an example of a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/payments<\/a> request with split instructions. To make test payments, refer to <a href=\"\/pt\/development-resources\/test-cards-and-credentials\/test-card-numbers\">Test card numbers<\/a>.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Split funds at time of payment'\" :id=\"'split-at-payment-request'\" :code-data=\"[{&quot;language&quot;:&quot;bash&quot;,&quot;tabTitle&quot;:&quot;&quot;,&quot;content&quot;:&quot;# Set your X-API-KEY with the API key from the Customer Area.\\ncurl https:\\\/\\\/checkout-test.adyen.com\\\/v72\\\/payments \\\\\\n-H 'x-api-key: ADYEN_API_KEY' \\\\\\n-H 'content-type: application\\\/json' \\\\\\n-d '{\\n  \\&quot;paymentMethod\\&quot;: {\\n    \\&quot;type\\&quot;: \\&quot;scheme\\&quot;,\\n    \\&quot;number\\&quot;: \\&quot;4111111111111111\\&quot;,\\n    \\&quot;cvc\\&quot;: \\&quot;737\\&quot;,\\n    \\&quot;expiryMonth\\&quot;: \\&quot;03\\&quot;,\\n    \\&quot;expiryYear\\&quot;: \\&quot;2030\\&quot;,\\n    \\&quot;holderName\\&quot;: \\&quot;John Smith\\&quot;\\n  },\\n  \\&quot;amount\\&quot;: {\\n    \\&quot;value\\&quot;: 40000,\\n    \\&quot;currency\\&quot;: \\&quot;USD\\&quot;\\n  },\\n  \\&quot;reference\\&quot;: \\&quot;YOUR_ORDER_NUMBER\\&quot;,\\n  \\&quot;merchantAccount\\&quot;: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n  \\&quot;returnUrl\\&quot;: \\&quot;https:\\\/\\\/your-company.example.com\\\/...\\&quot;,\\n  \\&quot;splits\\&quot;:[\\n    {\\n         \\&quot;amount\\&quot;:{\\n             \\&quot;value\\&quot;:30000\\n         },\\n         \\&quot;type\\&quot;:\\&quot;MarketPlace\\&quot;,\\n         \\&quot;account\\&quot;:\\&quot;8516026831348764\\&quot;,\\n         \\&quot;reference\\&quot;:\\&quot;QXhlbFN0b2x0ZW5iZXJnCg\\&quot;\\n      },\\n      {\\n         \\&quot;amount\\&quot;:{\\n             \\&quot;value\\&quot;:10000\\n         },\\n         \\&quot;type\\&quot;:\\&quot;Commission\\&quot;,\\n         \\&quot;reference\\&quot;:\\&quot;THVjYXNCbGVkc29lCg\\&quot;\\n      }\\n   ]\\n}'&quot;}]\" :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h3 id=\"payment-statuses\">Payment statuses<\/h3>\n<p>Once a payment has reached the <span translate=\"no\"><strong>SentForSettle<\/strong><\/span> state, the transaction will show up in the account as a <span translate=\"no\"><strong>PENDING_CREDIT<\/strong><\/span> transaction. Once Adyen has received the funds for the payment, the transaction will be updated to <span translate=\"no\"><strong>CREDITED<\/strong><\/span> and the funds will be available to <a href=\"\/pt\/classic-platforms\/payouts\">pay out on the account<\/a>.<\/p>\n<p>You can always look at the transaction associated with all accounts on a account holder using the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Fund\/latest\/post\/accountHolderTransactionList\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/accountHolderTransactionList<\/a> call.<\/p>\n<h2 id=\"split-at-capture\">Split at capture<\/h2>\n<p>If you do not know the final split amounts at the time of payment, you can provide split instructions with in your  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\/(paymentPspReference)\/captures\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/payments\/{paymentPspReference}\/captures<\/a> request.<\/p>\n<p>You can only split at capture for payment methods that support <a href=\"\/pt\/online-payments\/capture\">separate captures<\/a>. For example, you cannot split at capture for <a href=\"\/pt\/payment-methods\/ideal\">iDEAL<\/a> payments, because iDEAL does not support separate captures.<\/p>\n<p>Providing split instructions at capture overrules data from the original payment request. If you do not send split instructions in the capture request, then we'll use the split instructions from the payment authorization.<\/p>\n<p>Partial captures require you to supply split instructions. If you do not provide split instructions, then all the funds to go to the liable account.<\/p>\n<div data-component-wrapper=\"code-sample\">\n    <code-sample :title=\"'Split funds at capture'\" :id=\"''\" :code-data=\"[{&quot;language&quot;:&quot;bash&quot;,&quot;tabTitle&quot;:&quot;&quot;,&quot;content&quot;:&quot;# Set your X-API-KEY with the API key from the Customer Area.\\ncurl https:\\\/\\\/checkout-test.adyen.com\\\/v72\\\/payments\\\/{paymentPspReference}\\\/captures \\\\\\n-H 'x-api-key: ADYEN_API_KEY' \\\\\\n-H 'content-type: application\\\/json' \\\\\\n-d '{\\n    \\&quot;merchantAccount\\&quot;: \\&quot;YOUR_MERCHANT_ACCOUNT\\&quot;,\\n    \\&quot;amount\\&quot;: {\\n        \\&quot;value\\&quot;: 599,\\n        \\&quot;currency\\&quot;: \\&quot;EUR\\&quot;\\n    },\\n    \\&quot;reference\\&quot;: \\&quot;YOUR_REFERENCE_NUMBER\\&quot;,\\n    \\&quot;splits\\&quot;:[\\n      {\\n         \\&quot;amount\\&quot;:{\\n             \\&quot;value\\&quot;:399\\n         },\\n         \\&quot;type\\&quot;:\\&quot;MarketPlace\\&quot;,\\n         \\&quot;account\\&quot;:\\&quot;151272963\\&quot;,\\n         \\&quot;reference\\&quot;:\\&quot;Partial capture #1\\&quot;\\n      },\\n      {\\n         \\&quot;amount\\&quot;:{\\n             \\&quot;value\\&quot;:200\\n         },\\n         \\&quot;type\\&quot;:\\&quot;MarketPlace\\&quot;,\\n         \\&quot;account\\&quot;:\\&quot;181472818\\&quot;,\\n         \\&quot;reference\\&quot;:\\&quot;Partial capture #2\\&quot;\\n      }\\n    ]\\n}'&quot;}]\" :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<h2 id=\"split-a-refund\">Split a refund<\/h2>\n<p>We recommend that you always provide split instructions in refunds so that you are always in control and can support different refund scenarios, such as partial and multiple partial refunds.<\/p>\n\n<div id=\"tabWdSxl\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Provide split instructions (Recommended)&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;Send split instructions in your refund request to support different refund scenarios, such as a partial and multiple partial refunds.&lt;\\\/p&gt;\\n&lt;p&gt;When sending split instructions on a refund request, you must:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;Only use accounts that were part of the original split.&lt;\\\/li&gt;\\n&lt;li&gt;Use the same &lt;code&gt;reference&lt;\\\/code&gt; values from the original split.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;For example, let&#039;s split a USD&amp;nbsp;10 payment with USD&amp;nbsp;2 going to your liable account and USD&amp;nbsp;8 going to\\u00a0&lt;code&gt;account&lt;\\\/code&gt; &lt;strong&gt;12345.&lt;\\\/strong&gt; If you provide a split &lt;code&gt;reference&lt;\\\/code&gt; of &lt;strong&gt;splitId_1&lt;\\\/strong&gt; for the payment, then on the refund, you will need to use the same split &lt;code&gt;reference&lt;\\\/code&gt; of &lt;strong&gt;splitId_1&lt;\\\/strong&gt;.&lt;\\\/p&gt;\\n&lt;p&gt;Here is the example  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;\\\/payments&lt;\\\/a&gt; request of USD&amp;nbsp;10 with USD&amp;nbsp;2 going to your liable account and USD&amp;nbsp;8 to &lt;code&gt;account&lt;\\\/code&gt; &lt;strong&gt;12345&lt;\\\/strong&gt;.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Make a payment with split instructions&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=\\&quot;[{&amp;quot;language&amp;quot;:&amp;quot;bash&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;# Set your X-API-KEY with the API key from the Customer Area.\\\\ncurl https:\\\\\\\/\\\\\\\/checkout-test.adyen.com\\\\\\\/v72\\\\\\\/payments \\\\\\\\\\\\n-H &#039;x-api-key: ADYEN_API_KEY&#039; \\\\\\\\\\\\n-H &#039;content-type: application\\\\\\\/json&#039; \\\\\\\\\\\\n-d &#039;{\\\\n   \\\\&amp;quot;paymentMethod\\\\&amp;quot;:{\\\\n      \\\\&amp;quot;type\\\\&amp;quot;:\\\\&amp;quot;scheme\\\\&amp;quot;,\\\\n      \\\\&amp;quot;number\\\\&amp;quot;:\\\\&amp;quot;4400 0000 0000 0008\\\\&amp;quot;,\\\\n      \\\\&amp;quot;expiryMonth\\\\&amp;quot;:\\\\&amp;quot;03\\\\&amp;quot;,\\\\n      \\\\&amp;quot;expiryYear\\\\&amp;quot;:\\\\&amp;quot;2030\\\\&amp;quot;,\\\\n      \\\\&amp;quot;holderName\\\\&amp;quot;:\\\\&amp;quot;John Smith\\\\&amp;quot;,\\\\n      \\\\&amp;quot;cvc\\\\&amp;quot;:\\\\&amp;quot;737\\\\&amp;quot;\\\\n   },\\\\n   \\\\&amp;quot;amount\\\\&amp;quot;:{\\\\n      \\\\&amp;quot;value\\\\&amp;quot;:1000,\\\\n      \\\\&amp;quot;currency\\\\&amp;quot;:\\\\&amp;quot;USD\\\\&amp;quot;\\\\n   },\\\\n   \\\\&amp;quot;reference\\\\&amp;quot;:\\\\&amp;quot;YOUR_REFERENCE_NUMBER\\\\&amp;quot;,\\\\n   \\\\&amp;quot;merchantAccount\\\\&amp;quot;:\\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n   \\\\&amp;quot;returnUrl\\\\&amp;quot;:\\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;,\\\\n   \\\\&amp;quot;splits\\\\&amp;quot;:[\\\\n      {\\\\n         \\\\&amp;quot;amount\\\\&amp;quot;:{\\\\n             \\\\&amp;quot;value\\\\&amp;quot;:200\\\\n         },\\\\n         \\\\&amp;quot;type\\\\&amp;quot;:\\\\&amp;quot;Commission\\\\&amp;quot;,\\\\n         \\\\&amp;quot;reference\\\\&amp;quot;:\\\\&amp;quot;splitId_1_commission\\\\&amp;quot;\\\\n      },\\\\n      {\\\\n         \\\\&amp;quot;amount\\\\&amp;quot;:{\\\\n             \\\\&amp;quot;value\\\\&amp;quot;:800\\\\n         },\\\\n         \\\\&amp;quot;type\\\\&amp;quot;:\\\\&amp;quot;MarketPlace\\\\&amp;quot;,\\\\n         \\\\&amp;quot;account\\\\&amp;quot;:\\\\&amp;quot;12345\\\\&amp;quot;,\\\\n         \\\\&amp;quot;reference\\\\&amp;quot;:\\\\&amp;quot;splitId_1\\\\&amp;quot;\\\\n      }\\\\n   ]\\\\n}&#039;&amp;quot;}]\\&quot; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;p&gt;This following example would be the refund of that payment if you were going to split the refund with USD&amp;nbsp;5 from your liable account and USD&amp;nbsp;5 from &lt;code&gt;account&lt;\\\/code&gt; &lt;strong&gt;12345&lt;\\\/strong&gt;.&lt;\\\/p&gt;\\n&lt;p&gt;Here is an example  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments\\\/(paymentPspReference)\\\/refunds\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;\\\/payments\\\/{paymentPspReference}\\\/refunds&lt;\\\/a&gt; request.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Split a refund with different data&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=\\&quot;[{&amp;quot;language&amp;quot;:&amp;quot;bash&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;# Set your X-API-KEY with the API key from the Customer Area.\\\\ncurl https:\\\\\\\/\\\\\\\/checkout-test.adyen.com\\\\\\\/v72\\\\\\\/payments\\\\\\\/{paymentPspReference}\\\\\\\/refunds \\\\\\\\\\\\n-H &#039;x-api-key: ADYEN_API_KEY&#039; \\\\\\\\\\\\n-H &#039;content-type: application\\\\\\\/json&#039; \\\\\\\\\\\\n-d &#039;{\\\\n   \\\\&amp;quot;reference\\\\&amp;quot;:\\\\&amp;quot;YOUR_REFERENCE_NUMBER\\\\&amp;quot;,\\\\n   \\\\&amp;quot;merchantAccount\\\\&amp;quot;:\\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n   \\\\&amp;quot;amount\\\\&amp;quot;:{\\\\n      \\\\&amp;quot;value\\\\&amp;quot;:1000,\\\\n      \\\\&amp;quot;currency\\\\&amp;quot;:\\\\&amp;quot;USD\\\\&amp;quot;\\\\n   },\\\\n   \\\\&amp;quot;splits\\\\&amp;quot;:[\\\\n      {\\\\n         \\\\&amp;quot;amount\\\\&amp;quot;:{\\\\n             \\\\&amp;quot;value\\\\&amp;quot;:500\\\\n         },\\\\n         \\\\&amp;quot;type\\\\&amp;quot;:\\\\&amp;quot;Commission\\\\&amp;quot;,\\\\n         \\\\&amp;quot;reference\\\\&amp;quot;:\\\\&amp;quot;splitId_1_commission\\\\&amp;quot;\\\\n      },\\\\n      {\\\\n         \\\\&amp;quot;amount\\\\&amp;quot;:{\\\\n             \\\\&amp;quot;value\\\\&amp;quot;:500\\\\n         },\\\\n         \\\\&amp;quot;type\\\\&amp;quot;:\\\\&amp;quot;MarketPlace\\\\&amp;quot;,\\\\n         \\\\&amp;quot;account\\\\&amp;quot;:\\\\&amp;quot;12345\\\\&amp;quot;,\\\\n         \\\\&amp;quot;{hint:This is the same reference used in the split payment}reference{\\\\\\\/hint}\\\\&amp;quot;:\\\\&amp;quot;splitId_1\\\\&amp;quot;\\\\n      }\\\\n   ]\\\\n}&#039;&amp;quot;}]\\&quot; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:&quot;refund-different-split&quot;,&quot;oldTabId&quot;:&quot;refund-different-split_1&quot;,&quot;relation&quot;:&quot;&quot;},{&quot;title&quot;:&quot;Use split instructions from payment authorization&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;A refund without split instructions uses the original information from the payment authorization. Only leave the split instructions empty in the following conditions:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;The refund amount is the same as the authorized amount.&lt;\\\/li&gt;\\n&lt;li&gt;The payment authorization contained split instructions.&lt;\\\/li&gt;\\n&lt;li&gt;You want to debit the amount based on the original split. If the payment authorization did not have split instructions, by default the full refund amount is debited from the liable balance account.&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;To split a refund using the original split instructions, send a refund request without any split instructions. The refund uses the split instructions from the authorization, &lt;em&gt;not&lt;\\\/em&gt; the split instructions from a capture.&lt;\\\/p&gt;\\n&lt;p&gt;Here is an example  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments\\\/(paymentPspReference)\\\/refunds\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;\\\/payments\\\/{paymentPspReference}\\\/refunds&lt;\\\/a&gt; request without providing split instructions.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Split a refund using the original split instructions&#039;\\&quot; :id=\\&quot;&#039;refund-request&#039;\\&quot; :code-data=\\&quot;[{&amp;quot;language&amp;quot;:&amp;quot;bash&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;# Set your X-API-KEY with the API key from the Customer Area.\\\\ncurl https:\\\\\\\/\\\\\\\/checkout-test.adyen.com\\\\\\\/v72\\\\\\\/payments\\\\\\\/{paymentPspReference}\\\\\\\/refunds \\\\\\\\\\\\n-H &#039;x-api-key: ADYEN_API_KEY&#039; \\\\\\\\\\\\n-H &#039;content-type: application\\\\\\\/json&#039; \\\\\\\\\\\\n-d &#039;{\\\\n   \\\\&amp;quot;reference\\\\&amp;quot;:\\\\&amp;quot;YOUR_REFERENCE_NUMBER\\\\&amp;quot;,\\\\n   \\\\&amp;quot;merchantAccount\\\\&amp;quot;:\\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n   \\\\&amp;quot;amount\\\\&amp;quot;:{\\\\n      \\\\&amp;quot;value\\\\&amp;quot;:599,\\\\n      \\\\&amp;quot;currency\\\\&amp;quot;:\\\\&amp;quot;USD\\\\&amp;quot;\\\\n   }\\\\n}&#039;&amp;quot;}]\\&quot; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:&quot;refund-original-split-data&quot;,&quot;oldTabId&quot;:&quot;refund-original-split-data_2&quot;,&quot;relation&quot;:&quot;&quot;}]\"\n            :should-update-when-url-changes='true'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<h2 id=\"chargeback-and-disputes\">Chargeback and disputes<\/h2>\n<p>You are responsible for all disputes and <a href=\"\/pt\/risk-management\/understanding-disputes\">dispute management<\/a>. This includes providing first line support to your sub-merchants and the customers of your platform, clearly communicating your contact details on your website or app, and managing all disputes between your customers and your sub-merchants.<\/p>\n<h3 id=\"split-chargebacks\">Split chargebacks<\/h3>\n<p>Chargebacks, by default, deduct according to original split instructions. Where a chargeback reversal amount does not match the payment amount, funds are deducted entirely from your liable account. You can <a href=\"\/pt\/classic-platforms\/fund-transfer\">transfer funds<\/a> to correct any account balances.<\/p>\n<p>If you want to configure your platform to deduct chargebacks entirely from your liable account instead, reach out to our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a>. When your platform is liable for chargebacks, you can also book the full amount of chargebacks or chargeback reversals entirely from your liable account regardless of the split. To enable this functionality, contact our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a>.<\/p>","url":"https:\/\/docs.adyen.com\/pt\/classic-platforms\/processing-payments","articleFields":{"description":"Learn how to split transactions with your account holders.","search_category":"Classic Platforms","feedback_component":true,"next_steps":[{"title":"Pay out to bank accounts","description":"Make scheduled or one-off payouts to bank accounts.","url":"\/classic-platforms\/payouts","required":false},{"title":"Pay out to cards","description":"Make one-off payouts to cards.","url":"\/classic-platforms\/payouts\/manual-payout\/payout-to-cards","required":false}],"search_tags":["split","split payments"],"id":"25142904","type":"page","_expandable":{"operations":""},"status":"current","last_edit_on":"26-08-2021 13:50","parameters":{"directoryPath":"\/classic-platforms"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/classic-platforms\/processing-payments","title":"Processing online payments","content":"\nThis page is for classic Adyen for Platforms integrations. If you are just starting your implementation, refer to our new integration guide instead.\n\nWith every payment, capture, or refund on Adyen for Platforms, you can split the funds between any number of accounts in your platform, including your liable account. For example, when a customer pays on your platform, you can split the funds so that a portion goes to your liable account as platform fee, and the sale amount goes to the account holder's account.\nYou can provide split instructions through API requests, or if your integration processes payments through stores, you can also create a split configuration to automatically split payments. If you do not provide split instructions, the payments and all associated fees are booked to your platform's liable account.\nSupported payment methods\nAdyen for Platforms supports a wide range of payment methods, such as major card brands (Visa, Mastercard, American Express, Discover\/Diners), Apple Pay, Google Pay, SEPA, iDEAL, and more. Restrictions may apply where Adyen is not in the settlement flow. Reach out to your sales manager to confirm.\nProviding split instructions through API requests\nYou can split an incoming or outgoing fund transfer into a maximum of 1000 split items, booked to different accounts in your platform, including your liable account.\nYou can provide split instructions:\n\nAt the time of payment.\nWhen\u00a0capturing a payment.\nWhen refunding a payment.\n\nTo split funds, you'll need to send the  splits array. For each split object in the array, you need to specify the following fields:\n\n account&#58; The  accountCode of the account where the split amount will be sent.\n amount.value&#58; The split amount.\n type&#58; When sending the amount to any other account in your platform, set the type to MarketPlace. Other types such as Commission or VAT sends the split amount to your liable account.\n reference&#58; Your unique identifier for the split. While this field is only required in the API if type is MarketPlace, we strongly recommend that you send a reference for all other types. You can use the reference to reconcile the split and the associated payment in the transaction overview and in the reports. Without a reference, the amounts are merged and you will be unable to reconcile the split.\n\nFor example, when a customer pays for goods on your platform for USD&nbsp;400.00, you can split the payment such that:\n\nUSD&nbsp;300.00 goes to the seller's account as payment for the goods. You'll send the payment to the account of the seller account holder with  accountCode 8516026831348764.\nUSD&nbsp;100.00 goes to your liable account as your platform's commission.\n\n\n    \n\nValidating split instructions\nAdyen frontend systems only validate the format of the split instructions. The accounts provided in split instructions are not validated by the frontend.\nIf you provide split instructions with an account that does not exist, or an account belonging to an account holder with a Closed status, the full amount of the transaction will be sent to the liable account regardless of the original split instructions.\nYou will receive a PAYMENT_FAILURE notification of the failed split. You can use Fund transfer to correct any account balances.\nSplit at payment\nTo split funds at the time of payment, provide split instructions in your POST  \/payments request. You can send split instructions regardless of your PCI compliance level.\nIf you do not know what the total split will look like for your account holders at the time of a payment, you can skip providing any split instructions at payment and instead provide split instructions at capture. Split data provided at capture overrides any split instructions provided with the initial payment request.\nBelow is an example of a  \/payments request with split instructions. To make test payments, refer to Test card numbers.\n\n    \n\nPayment statuses\nOnce a payment has reached the SentForSettle state, the transaction will show up in the account as a PENDING_CREDIT transaction. Once Adyen has received the funds for the payment, the transaction will be updated to CREDITED and the funds will be available to pay out on the account.\nYou can always look at the transaction associated with all accounts on a account holder using the  \/accountHolderTransactionList call.\nSplit at capture\nIf you do not know the final split amounts at the time of payment, you can provide split instructions with in your  \/payments\/{paymentPspReference}\/captures request.\nYou can only split at capture for payment methods that support separate captures. For example, you cannot split at capture for iDEAL payments, because iDEAL does not support separate captures.\nProviding split instructions at capture overrules data from the original payment request. If you do not send split instructions in the capture request, then we'll use the split instructions from the payment authorization.\nPartial captures require you to supply split instructions. If you do not provide split instructions, then all the funds to go to the liable account.\n\n    \n\nSplit a refund\nWe recommend that you always provide split instructions in refunds so that you are always in control and can support different refund scenarios, such as partial and multiple partial refunds.\n\n\n    \n        \n        \n    \n\n\nChargeback and disputes\nYou are responsible for all disputes and dispute management. This includes providing first line support to your sub-merchants and the customers of your platform, clearly communicating your contact details on your website or app, and managing all disputes between your customers and your sub-merchants.\nSplit chargebacks\nChargebacks, by default, deduct according to original split instructions. Where a chargeback reversal amount does not match the payment amount, funds are deducted entirely from your liable account. You can transfer funds to correct any account balances.\nIf you want to configure your platform to deduct chargebacks entirely from your liable account instead, reach out to our Support Team. When your platform is liable for chargebacks, you can also book the full amount of chargebacks or chargeback reversals entirely from your liable account regardless of the split. To enable this functionality, contact our Support Team.","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Classic integration","lvl2":"Processing online payments"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/classic-platforms","lvl2":"\/pt\/classic-platforms\/processing-payments"},"levels":3,"category":"Classic Platforms","category_color":"green","tags":["split","split payments"]}}
