With an Adyen for Platforms integration, you can process online transactions on behalf of your users using Adyen's payment processing platform. For each transaction you process, you can split the funds between your users' balance accounts and your liable balance account, and deduct fees and costs as needed.
Requirements
Take into account the following requirements, limitations, and preparations to start processing payments.
| Requirement | Description |
|---|---|
| Integration type | You must have an Adyen online payments integration and a checkout UI. |
| API credentials | You must have credentials for the following APIs: |
| Webhooks | Ensure that your server can receive and accept standard webhooks. Subscribe to any of the following webhooks: |
| Capabilities | Make sure that your account holders have the following capabilities:
|
| Setup steps | When you build your online payments integration, choose and implement one of the following server-side flows:
|
Split transactions
To make sure that the pay-in, settlement, and payout processes run smoothly for all users' transactions, you must book the funds and fees to the correct balance accounts.
This means that in each individual payment, capture, and refund request that you send on behalf of your users, you have to include instructions on how to split the funds between your user's balance accounts and your marketplace's liable balance account.
If you do not provide any split instructions, the whole transaction is booked to your platform's liable balance account, including all associated fees.
For more information, see Split transactions.
Settle funds
After processing transactions for your users, Adyen settles the funds to the balance accounts in your marketplace according to the split instructions you defined. On each balance account, you can configure settlement models that define how the sales funds are settled to your users' transfer instruments.
For more information, see Settle funds.
Flow of funds
The following diagram shows the flow of funds from the moment your user's customer pays to when your user's and your marketplace's funds are paid out.
- The customer pays USD 400.00 for the goods or services.
The payment is processed through Adyen's payment processing platform. - Based on the split instructions included in the payment request, we book the following amounts to the balance accounts in your balance platform:
- USD 396.00 credited to your user's balance account
- USD 4.00 credited to your liable balance account as your commission
- USD 2.00 deducted from your liable balance accounts as the transaction fees
- Depending on your payout schedule, we pay out the funds:
- USD 396.00 to your user's transfer instrument
- USD 2.00 to your transfer instrument
Webhooks
Adyen sends webhooks to inform you of payment-related events that occur in your marketplace. Subscribe to these webhooks to keep track of these events and their status.
For more information, see Webhooks.