{"title":"Marketplace account structure","category":"default","creationDate":1776961627,"content":"<p>As a marketplace, you process online payments on behalf of your users. Customers recognize that they are doing business directly with your marketplace.<\/p>\n<h2>Account structure<\/h2>\n<p>To comply with payment scheme regulations, you must have a balance platform and merchant account in <a href=\"\/pt\/marketplaces#acquiring-regions\">each region that you are registered and wish to acquire payments<\/a>.<\/p>\n<div class=\"notices green\">\n<p>If you are a global marketplace with multiregional sellers who can transfer funds to each other:<ul><li>You must have a single balance platform for all your acquiring regions.<\/li><li>You cannot offer additional financial products to your users.<\/li><\/ul><\/p>\n<\/div>\n<p>In the following example, you have a company called <strong>Online Marketplace<\/strong>. You process online payments for your users, who operate in two acquiring regions (<span translate=\"no\"><strong>EU<\/strong><\/span> and <span translate=\"no\"><strong>US<\/strong><\/span>) and three different countries\/areas (<span translate=\"no\"><strong>NL<\/strong><\/span>, <span translate=\"no\"><strong>DE<\/strong><\/span>, and <span translate=\"no\"><strong>US<\/strong><\/span>).<\/p>\n<p>You can classify resources based on whether they belong to your marketplace or to your user(s).<\/p>\n<h3>Resources belonging to your marketplace<\/h3>\n<ul>\n<li>\n<p>A company account that represents your business entity: <span translate=\"no\"><strong>OnlineMarketplaceLLC<\/strong><\/span>.<\/p>\n<\/li>\n<li>\n<p>Three merchant accounts, organized by country\/region:<\/p>\n<ul>\n<li><span translate=\"no\"><strong>OnlineMarketplace_NL<\/strong><\/span><\/li>\n<li><span translate=\"no\"><strong>OnlineMarketplace_DE<\/strong><\/span><\/li>\n<li><span translate=\"no\"><strong>OnlineMarketplace_US<\/strong><\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Two balance platforms, one for each region in which you acquire payments (<span translate=\"no\"><strong>EU<\/strong><\/span> and <span translate=\"no\"><strong>US<\/strong><\/span>):<\/p>\n<ul>\n<li><span translate=\"no\"><strong>OnlineMarketplace_EU<\/strong><\/span><\/li>\n<li><span translate=\"no\"><strong>OnlineMarketplace_US<\/strong><\/span><\/li>\n<\/ul>\n<\/li>\n<li>\n<p>A liable account holder, and a liable balance account to hold your marketplace's funds.<\/p>\n<\/li>\n<li>\n<p>A legal entity in each acquiring region, containing information about your marketplace. This information is needed for required Know Your Customer (KYC) verification checks.<\/p>\n<\/li>\n<\/ul>\n<h3>Resources belonging to each user<\/h3>\n<ul>\n<li>\n<p>At least one account holder for each country your user operates in, defining their payment processing capabilities.<\/p>\n<\/li>\n<li>\n<p>For each account holder, at least one balance account with a defined base currency, to hold your user's funds.<\/p>\n<\/li>\n<li>\n<p>For each balance account, a <a href=\"\/pt\/marketplaces\/account-structure-resources\/legal-entity-management\">transfer instrument (verified bank account)<\/a> to pay out that account's funds.<\/p>\n<\/li>\n<li>\n<p>A legal entity in each country your user operates in, containing information about their business. This information is needed for required Know Your Customer (KYC) verification checks.<\/p>\n<\/li>\n<\/ul>\n<h3>Diagram<\/h3>\n<p>The following diagram shows how these resources are connected.<\/p>\n<p><a rel=\"lightbox\" href=\"\/user\/pages\/docs\/04.marketplaces\/02.account-structure-resources\/01.marketplace-structure\/marketplaces.svg\" src=\"\">\n  <img alt=\"\" src=\"\/user\/pages\/docs\/04.marketplaces\/02.account-structure-resources\/01.marketplace-structure\/marketplaces.svg\" \/>\n<\/a><\/p>\n<h2>Flow of funds<\/h2>\n<p>When a customer in the Netherlands pays for goods or services offered by your user:<\/p>\n<ol>\n<li>The payment is processed in the <span translate=\"no\"><strong>OnlineMarketplace_NL<\/strong><\/span> merchant account.<\/li>\n<li>The funds are settled in the balance accounts of your <span translate=\"no\"><strong>OnlineMarketplace_EU<\/strong><\/span> balance platform.<\/li>\n<li>The funds are kept in your user's balance accounts until they are paid out.<\/li>\n<li>You pay out to the account holder's transfer instrument (verified bank account).<\/li>\n<\/ol>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/marketplaces\/onboard-users\/onboarding-steps\"\n                        target=\"_self\"\n                        >\n                    Onboarding steps\n                <\/a><\/li><li><a href=\"\/marketplaces\/manage-legal-entities\"\n                        target=\"_self\"\n                        >\n                    Legal entities\n                <\/a><\/li><li><a href=\"\/marketplaces\/manage-account-holders\"\n                        target=\"_self\"\n                        >\n                    Account holders\n                <\/a><\/li><li><a href=\"\/marketplaces\/manage-balance-accounts\"\n                        target=\"_self\"\n                        >\n                    Balance accounts\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/marketplaces\/account-structure-resources\/marketplace-structure","articleFields":{"description":"Understand your account structures to design a marketplace that suits your business needs.","feedback_component":true,"type":"page","_expandable":null,"operations":"","status":"current","parameters":{"directoryPath":"\/marketplaces","model":"marketplace"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/marketplaces\/account-structure-resources\/marketplace-structure","title":"Marketplace account structure","content":"As a marketplace, you process online payments on behalf of your users. Customers recognize that they are doing business directly with your marketplace.\nAccount structure\nTo comply with payment scheme regulations, you must have a balance platform and merchant account in each region that you are registered and wish to acquire payments.\n\nIf you are a global marketplace with multiregional sellers who can transfer funds to each other:You must have a single balance platform for all your acquiring regions.You cannot offer additional financial products to your users.\n\nIn the following example, you have a company called Online Marketplace. You process online payments for your users, who operate in two acquiring regions (EU and US) and three different countries\/areas (NL, DE, and US).\nYou can classify resources based on whether they belong to your marketplace or to your user(s).\nResources belonging to your marketplace\n\n\nA company account that represents your business entity: OnlineMarketplaceLLC.\n\n\nThree merchant accounts, organized by country\/region:\n\nOnlineMarketplace_NL\nOnlineMarketplace_DE\nOnlineMarketplace_US\n\n\n\nTwo balance platforms, one for each region in which you acquire payments (EU and US):\n\nOnlineMarketplace_EU\nOnlineMarketplace_US\n\n\n\nA liable account holder, and a liable balance account to hold your marketplace's funds.\n\n\nA legal entity in each acquiring region, containing information about your marketplace. This information is needed for required Know Your Customer (KYC) verification checks.\n\n\nResources belonging to each user\n\n\nAt least one account holder for each country your user operates in, defining their payment processing capabilities.\n\n\nFor each account holder, at least one balance account with a defined base currency, to hold your user's funds.\n\n\nFor each balance account, a transfer instrument (verified bank account) to pay out that account's funds.\n\n\nA legal entity in each country your user operates in, containing information about their business. This information is needed for required Know Your Customer (KYC) verification checks.\n\n\nDiagram\nThe following diagram shows how these resources are connected.\n\n  \n\nFlow of funds\nWhen a customer in the Netherlands pays for goods or services offered by your user:\n\nThe payment is processed in the OnlineMarketplace_NL merchant account.\nThe funds are settled in the balance accounts of your OnlineMarketplace_EU balance platform.\nThe funds are kept in your user's balance accounts until they are paid out.\nYou pay out to the account holder's transfer instrument (verified bank account).\n\n\n\n                    Onboarding steps\n                \n                    Legal entities\n                \n                    Account holders\n                \n                    Balance accounts\n                \n","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Marketplaces","lvl2":"Account structure and resources","lvl3":"Marketplace account structure"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/marketplaces","lvl2":"https:\/\/docs.adyen.com\/pt\/marketplaces\/account-structure-resources","lvl3":"\/pt\/marketplaces\/account-structure-resources\/marketplace-structure"},"levels":4,"category":"Marketplaces","category_color":"green","tags":["Marketplace","account","structure"]},"articleFiles":{"marketplaces.svg":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/04.marketplaces\/02.account-structure-resources\/01.marketplace-structure\/marketplaces.svg\" \/>"}}