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Split transactions between balance accounts

Learn how to split transactions between balance accounts in your marketplace.

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 in a split configuration profile or through and API request, the whole transaction amount and fees are booked to your user's balance account.

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:
  • receivePayments
  • receiveFromPlatformPayments
  • sendToTransferInstrument
Setup steps When you build your online payments integration, choose between the following server-side flows:The advanced flow supports more use cases. However, sessions is the default integration that we recommend and that meets the requirements of most online payments integrations.

When to provide split instructions

You can provide instructions to split payments and chargebacks when you make calls to the following endpoints:

Splitting payments at capture is only possible for payment methods that support separate captures.

You can provide instructions to split refunds when you make calls to the following endpoint:

This means that for every authorization, capture, or refund request that occurs in your marketplace, you can determine how to book the funds from that transaction.

How to split a transaction

When you process transactions for your users, you can split the funds and book them to any number of balance accounts in your marketplace.

Send split instructions

You can provide instructions to split payments, refunds, and chargebacks.

Split types

When you send an API request for a transaction, you must define split instructions for each split of the full transaction amount using the splits array. In each set of split instructions within the array, you must use the type field to define the purpose of that split.

Certain split types also require you to define other values in the split instructions. For example, when you want to book the split amount to your user's balance account (type is BalanceAccount), you must specify the ID of that balance account using the account parameter.

The following table shows the possible split type values you can send in your request, and whether you must send another parameter (account, amount, or reference) in the split instruction. If you do not specify an account in your split instructions, the split amount is booked to your liable balance account.

Split type Description Required additional parameters Recommended additional parameters
BalanceAccount Books a part of the transaction to your user's balance account. You must specify the account and the amount in your request. account

amount

reference
Commission Books your marketplace's commission to your liable balance account. amount reference
Interchange Books the fee paid to the issuer to the specified account. account

reference
SchemeFee Books the scheme fee to the specified account. account

reference
AcquiringFees Books the aggregated amount of the interchange and scheme fees to the specified account. account

reference
AdyenCommission Books the transaction fee due to Adyen under blended rates to the specified account. account

reference
AdyenMarkup Books the transaction fee due to Adyen under Interchange ++ pricing to the specified account. account

reference
AdyenFees Books the aggregated amount of Adyen's commission and markup to the specified balance account. account

reference
PaymentFee Books the aggregated amount of all the transaction fees to the specified account. account

reference
VAT Books the value-added tax (VAT) incurred on a payment to the specified account, allowing you to book this tax separately from the sale amount. amount account

reference
Remainder Books the amount left over after currency conversion to the specified account. account

reference
TopUp Books the funds from a top-up, paid by your user, to the specified account . account

amount		 reference

Próximas etapas

Split payments at authorization

Learn how to split a payment at the time of authorization.
Split payments at capture

Learn how to split a payment at the time of capture.
Split refunds

Learn how to split refunds