You can offer Adyen-issued cards to your users in your Adyen for Platforms integration. This enables you to make your balance platform more flexible and improve the user experience.
Account structure
To comply with scheme regulations, you must have a balance platform and merchant account in each region that you are registered and wish to acquire payments.
For example, your company is a SaaS platform called Diner Manage. Your company offers management software for small and medium restaurants. To expand your financial services, you want to issue cards to your users, so that they can pay for business-related purchases.
Based on this use case, we can classify resources depending on whether they belong to your business or to your cardholder(s).
Resources belonging to your business
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A company account (DinerManageLLC) that represents your business entity.
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Three merchant accounts, organized by country/region, to manage payment methods available in their area:
- DinerManage_NL
- DinerManage_DE
- DinerManage_BE
If you process online or in-person payments with Adyen, the processed funds are settled in these merchant accounts.
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Two balance platforms, one for each region in which you acquire payments (EU and US):
- DinerManage_EU
- DinerManage_US
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A liable account holder for your business.
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A liable balance account to hold the funds of your business in your balance platform.
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A legal entity in each acquiring region that contains information about your business.
Resources belonging to each cardholder
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One or more stores tied to the respective merchant accounts (based on country of operation), representing your cardholders' restaurant locations:
- Restaurant_AMS
- Restaurant_BER
- Restaurant_NYC
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At least one account holder for each country your cardholder operates in, defining their capabilities for using Adyen-issued cards.
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For each account holder, at least one balance account, based on currency, to hold the funds available for their Adyen-issued cards.
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For each account holder, one or more balance accounts to link to your user's payment instruments (Adyen-issued card). If your user has multiple payment instruments, you can link them all to the same balance account, which must be separate from the balance account that holds your user's funds.
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A legal entity in each country your cardholder operates in, containing information about their business. This information is needed for the required verification checks (KYC).
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A business line in each country your cardholder operates in, containing information about their industry. In this case, it is food and delivery services.
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A payment instrument (Adyen-issued card) connected to your cardholder's balance account. When your cardholder uses an Adyen-issued card to pay for food orders, the payment funds are deducted from their balance account.
Diagram
The following diagram shows how these resources are connected in an Issuing integration.
