{"title":"Intelligent Money Movement","category":"default","creationDate":1776961629,"content":"<p>Intelligent Money Movement (IMM) is Adyen's cash management solution for enterprises. With IMM, you can combine payment processing with the enterprise financial features provided by Adyen's balance platform. This combination allows you to manage and optimize the full lifecycle of your business funds within your Adyen ecosystem.<\/p>\n<p>IMM allows you to:<\/p>\n<ul>\n<li>Manage incoming funds form multiple sources, such as processed payments, third-party bank transfers, or your verified bank account.<\/li>\n<li>Store and manage funds using enterprise accounts with financial capabilities.<\/li>\n<li>Make payouts to third-party bank accounts or cards, or your verified bank account.<\/li>\n<li>Make payments using Adyen-issued debit cards.<\/li>\n<\/ul>\n<h2>Flow of funds<\/h2>\n<p>When using IMM, the flow of funds is as follows:<\/p>\n<ol>\n<li>Adyen processes online and in-person purchases for your business.<\/li>\n<li>The funds from these purchases are settled in your merchant account.<\/li>\n<li>The funds on your merchant account are transferred to your balance account in your balance platform.<\/li>\n<li>After the funds are settled in your balance account, you can:\n<ul>\n<li>Use your enterprise account to send funds to third-party bank accounts or cards.<\/li>\n<li>Use Adyen-issued cards to make payments to counterparty merchants.<\/li>\n<\/ul><\/li>\n<li>When needed, you can add funds to your enterprise account using a verified or third-party bank account.<\/li>\n<\/ol>\n<p>The following diagram illustrates this flow.<\/p>\n<p><a rel=\"lightbox\" href=\"\/user\/pages\/docs\/38.intelligent-money-movement\/funds-flow-imm.svg\" src=\"\">\n  <img alt=\"\" src=\"\/user\/pages\/docs\/38.intelligent-money-movement\/funds-flow-imm.svg\" \/>\n<\/a><\/p>\n<h2>Integration overview<\/h2>\n<p>We can generate an end-to-end integration overview of IMM based on your business requirements. To do so, select on the following list the offerings that you are interested in.<\/p>\n<p><div class=\"adyen-checklist-wrapper\">\n    <input type=\"checkbox\" class=\"adyen-checklist\" name=\"Online Payments\" id=\"online-payments\"\n         >\n    <label>Accept online payments<\/label>\n    <div class=\"adyen-checklist-content\">\n        \n    <\/div>\n<\/div>\n<\/p>\n<p><div class=\"adyen-checklist-wrapper\">\n    <input type=\"checkbox\" class=\"adyen-checklist\" name=\"In Person Payments\" id=\"in-person-payments\"\n         >\n    <label>Accept in-person payments<\/label>\n    <div class=\"adyen-checklist-content\">\n        \n    <\/div>\n<\/div>\n<\/p>\n<p><div class=\"adyen-checklist-wrapper\">\n    <input type=\"checkbox\" class=\"adyen-checklist\" name=\"Fund management\" id=\"fund-management\"\n         >\n    <label>Manage your business funds using enterprise accounts<\/label>\n    <div class=\"adyen-checklist-content\">\n        \n    <\/div>\n<\/div>\n<\/p>\n<p><div class=\"adyen-checklist-wrapper\">\n    <input type=\"checkbox\" class=\"adyen-checklist\" name=\"Payouts\" id=\"payouts\"\n         >\n    <label>Make payouts to third parties<\/label>\n    <div class=\"adyen-checklist-content\">\n        \n    <\/div>\n<\/div>\n<\/p>\n<p><div class=\"adyen-checklist-wrapper\">\n    <input type=\"checkbox\" class=\"adyen-checklist\" name=\"Issuing Cards\" id=\"issuing-cards\"\n         >\n    <label>Issue cards to manage your business expenses<\/label>\n    <div class=\"adyen-checklist-content\">\n        \n    <\/div>\n<\/div>\n<\/p>\n<div style=\"margin-top: 1.5rem;\">\n  <a href=\"\/intelligent-money-movement\/integration-overview\" class=\"button\">Generate integration overview<\/a>\n<\/div>","url":"https:\/\/docs.adyen.com\/pt\/intelligent-money-movement","articleFields":{"description":"Combine payment processing with fund management and financial capabilities","section_icon":"smart-routing.svg","type":"page","_expandable":{"operations":""}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/intelligent-money-movement","title":"Intelligent Money Movement","content":"Intelligent Money Movement (IMM) is Adyen's cash management solution for enterprises. With IMM, you can combine payment processing with the enterprise financial features provided by Adyen's balance platform. This combination allows you to manage and optimize the full lifecycle of your business funds within your Adyen ecosystem.\nIMM allows you to:\n\nManage incoming funds form multiple sources, such as processed payments, third-party bank transfers, or your verified bank account.\nStore and manage funds using enterprise accounts with financial capabilities.\nMake payouts to third-party bank accounts or cards, or your verified bank account.\nMake payments using Adyen-issued debit cards.\n\nFlow of funds\nWhen using IMM, the flow of funds is as follows:\n\nAdyen processes online and in-person purchases for your business.\nThe funds from these purchases are settled in your merchant account.\nThe funds on your merchant account are transferred to your balance account in your balance platform.\nAfter the funds are settled in your balance account, you can:\n\nUse your enterprise account to send funds to third-party bank accounts or cards.\nUse Adyen-issued cards to make payments to counterparty merchants.\n\nWhen needed, you can add funds to your enterprise account using a verified or third-party bank account.\n\nThe following diagram illustrates this flow.\n\n  \n\nIntegration overview\nWe can generate an end-to-end integration overview of IMM based on your business requirements. To do so, select on the following list the offerings that you are interested in.\n\n    \n    Accept online payments\n    \n        \n    \n\n\n\n    \n    Accept in-person payments\n    \n        \n    \n\n\n\n    \n    Manage your business funds using enterprise accounts\n    \n        \n    \n\n\n\n    \n    Make payouts to third parties\n    \n        \n    \n\n\n\n    \n    Issue cards to manage your business expenses\n    \n        \n    \n\n\n\n  Generate integration overview\n","type":"page","locale":"pt","boost":19,"hierarchy":{"lvl0":"Home","lvl1":"Intelligent Money Movement"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"\/pt\/intelligent-money-movement"},"levels":2,"category":"","category_color":"","tags":["Intelligent","Money","Movement"]},"articleFiles":{"funds-flow-imm.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/38.intelligent-money-movement\/funds-flow-imm.svg\" \/>"}}