{"title":"Top up on demand","category":"default","creationDate":1776961627,"content":"<p>You can submit requests to manually top-up your users' balance accounts when needed. In this case, you create a one-off payment funded by your user, that increases the balance in their balance account.<\/p>\n<h2>Requirements<\/h2>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Requirement<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Integration type<\/strong><\/td>\n<td style=\"text-align: left;\">Adyen for Platforms<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"\/pt\/development-resources\/api-credentials\/roles\/\">API credential roles<\/a><\/strong><\/td>\n<td style=\"text-align: left;\">Make sure that you have the credentials for the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/overview\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Checkout API<\/a>.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"\/pt\/development-resources\/webhooks\">Webhooks<\/a><\/strong><\/td>\n<td style=\"text-align: left;\">Ensure that your server can receive and accept <a href=\"\/pt\/development-resources\/webhooks\">standard webhooks<\/a>.<br>Subscribe to the following webhooks: <ul><li markdown=\"1\"> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Transfer webhooks<\/a><\/li><li markdown=\"1\"> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transaction-webhooks\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Transaction webhooks<\/a><\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"\/pt\/marketplaces\/verification-overview\/capabilities\">Capabilities<\/a><\/strong><\/td>\n<td style=\"text-align: left;\">Make sure your user has the right capabilities to <a href=\"#fund-the-top-up\">fund the top-up<\/a>.<br><br>To top up using your user's <a href=\"\/pt\/marketplaces\/top-up-balance-account\/on-demand-top-ups\/?tab=transfer-instrument-example_1\">verified transfer transfer instrument (bank account)<\/a>, they need the following capabilities:<ul><li markdown=\"1\"><strong>receiveFromPlatformPayments<\/strong><\/li><li markdown=\"1\"><strong>receiveFromTransferInstrument<\/strong><\/li><\/ul><br>To top up using <a href=\"\/pt\/marketplaces\/top-up-balance-account\/on-demand-top-ups\/?tab=other-payment-methods-example_2\">other payment methods<\/a>, your user needs the following capability:<ul><li markdown=\"1\"><strong>receiveFromPlatformPayments<\/strong><\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Limitations<\/strong><\/td>\n<td style=\"text-align: left;\">To top-up using your user's <a href=\"\/pt\/marketplaces\/top-up-balance-account\/on-demand-top-ups\/?tab=transfer-instrument-example_1\">verified transfer instrument (bank account)<\/a>, your user must have a bank account in the SEPA zone, the UK, or the US.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Setup steps<\/strong><\/td>\n<td style=\"text-align: left;\">Before you begin: <ul><li markdown=\"1\">Ask our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a> to enable on-demand top-ups for your marketplace.<\/li><li>To top up using your user's verified transfer instrument, make sure that you <a href=\"#compliance\">stay compliant with the direct debit regulations<\/a> in your user's region.<\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Fund the top-up<\/h2>\n<p>Top-ups of your users' balance account are usually funded by your users themselves.<\/p>\n<p>Your users can fund the top-up of their balance accounts in the following ways:<\/p>\n<h4>Option 1: Using their <a href=\"\/pt\/marketplaces\/onboard-users\/onboarding-steps\/\">verified transfer instrument<\/a> (bank account)<\/h4>\n<ul>\n<li>\n<p>The following capabilities must be <strong>allowed<\/strong> for your user, and have a <strong>valid<\/strong>  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/balanceplatform\/latest\/get\/accountHolders\/(id)#responses-200-capabilities-verificationStatus\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">verificationStatus<\/a>:<\/p>\n<ul>\n<li><strong>receiveFromPlatformPayments<\/strong><\/li>\n<li><strong>receiveFromTransferInstrument<\/strong><\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Your user must have a bank account in the SEPA zone, the UK, or the US. You cannot fund a top-up with bank accounts from other regions.<\/p>\n<\/li>\n<\/ul>\n<h4>Option 2: Using any other payment method<\/h4>\n<p>Make sure that following capability is <strong>allowed<\/strong> for your user, and has a <strong>valid<\/strong>  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/balanceplatform\/latest\/get\/accountHolders\/(id)#responses-200-capabilities-verificationStatus\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">verificationStatus<\/a>: <strong>receiveFromPlatformPayments<\/strong><\/p>\n<h2>Differentiate the top-up<\/h2>\n<p>When you process a payment to top up a balance account, you can include instructions to define the top-up and differentiate it from regular payments. This allows you to:<\/p>\n<ul>\n<li>Reconcile top-ups separately from other payments using our reports.<\/li>\n<li>For users based in the US, exclude top-ups from tax filings. Top-ups do not count towards your user's revenue, and are not included in the 1099-K tax forms.<\/li>\n<\/ul>\n<p>When you provide instructions to define the top-up, you can also specify where to book the top-up amount and the transaction fees it incurs.<\/p>\n<h2>(Conditional) Stay compliant with regulations<\/h2>\n<p>When you initiate a top-up from your user's verified transfer instrument (bank account), you must ensure that you stay compliant with the direct debit regulations in your user's region. If your user's bank account is in the SEPA zone or the UK, you must do the following:<\/p>\n<h3>SEPA Direct Debit<\/h3>\n<p>To initiate top-ups from bank accounts in the SEPA zone using SEPA Direct Debit, your users must first accept a mandate that authorizes you to debit their accounts. We recommend that you use the following text for the mandate:<\/p>\n<blockquote>\n<p><em>By providing your payment details and confirming this payment, you authorize (A) {Name of your marketplace} and Adyen, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account by the payment instruction. As part of your rights, you're entitled to a refund from your bank under the terms and conditions of your agreement with your bank. You must claim a refund within 8 weeks from the date your account was debited. You can request a statement from your bank explaining your rights.<\/em><\/p>\n<\/blockquote>\n<p>Your users only need to accept this mandate once. You can either add the recommended text to their service agreement document with your marketplace, or send it to them in an email.<\/p>\n<h3>BACS Direct Debit<\/h3>\n<p>For each top-up you initiate from bank accounts in the UK using BACS Direct Debit, your users must confirm the following:<\/p>\n<ul>\n<li>They authorize you to debit their bank account to cover negative balances on their balance account.<\/li>\n<li>The bank account is in their name.<\/li>\n<li>They are the only signatory required to authorize the direct debit on this account.<\/li>\n<\/ul>\n<p>We recommend that you use the following text for the confirmations:<\/p>\n<blockquote>\n<ul><li>\n<p><em>I agree that {name of your marketplace} can deduct funds from my bank account to cover negative balances on my balance account.<\/em><\/p>\n<\/li><li>\n<p><em>I confirm that the bank account is in my name and that I am the only signatory required to authorize the direct debit on this bank account.<\/em><\/p>\n<\/li><\/ul>\n<\/blockquote>\n<p>You must also send an advance notice to your users by email for each top-up you initiate. According to scheme rules, your users may file a chargeback when they do not receive a notification at least 10 days before a charge. The notice must contain the following:<\/p>\n<ul>\n<li>The total amount to be debited from your user\u2019s account.<\/li>\n<li>The direct debit due date (day, month, and year). This is 2 business days after the top-up is initiated.<\/li>\n<li>The  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments#request-paymentMethod-BacsDirectDebitDetails-storedPaymentMethodId\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">recurringDetailReference<\/a> of the payment.<\/li>\n<li>The name of your marketplace.<\/li>\n<li>Your contact phone number and email address.<\/li>\n<\/ul>\n<p>We recommend that you use the following text for the notice:<\/p>\n<blockquote>\n<p><em>Subject: ADVANCE NOTICE OF DIRECT DEBIT COLLECTION<br><br>We will debit your bank account on or shortly after <strong>{Settlement date (dd\/mm\/yy)}<\/strong>. This payment will appear on your bank statement as <strong>ADYEN RE {Your marketplace name}<\/strong>, with recurring detail reference {Your <code>recurringDetailReference<\/code>}.<br><br>Name of your user: {Your user's legal entity name}<br>Direct debit amount due: {Top-up amount}<br><br>Please check the details provided. If you have any queries about this notification, or would like to cancel or make changes, please contact {Your company name and telephone number}.<br><br>You have the right to cancel your direct debit at any time. Bacs Direct Debits are covered by the Direct Debit Guarantee.<\/em><\/p>\n<\/blockquote>\n<h2>Make a top-up request<\/h2>\n<p>To top up a balance account, make a POST  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/payments\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/payments<\/a> request for the amount you want to top up.<\/p>\n<div class=\"notices yellow\">\n<p>You cannot initiate a top-up using a  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/Checkout\/latest\/post\/sessions\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\/sessions<\/a> request.<\/p>\n<\/div>\n<p>The following tabs show you how to initiate a top-up using your user's transfer instrument or another payment method.<\/p>\n\n<div id=\"tab2d0zC\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Transfer instrument&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;In your payment request, specify the following fields:&lt;\\\/p&gt;\\n&lt;table&gt;\\n&lt;thead&gt;\\n&lt;tr&gt;\\n&lt;th style=\\&quot;text-align: left;\\&quot;&gt;Parameter&lt;\\\/th&gt;\\n&lt;th style=\\&quot;text-align: center;\\&quot;&gt;Required&lt;\\\/th&gt;\\n&lt;th style=\\&quot;text-align: left;\\&quot;&gt;Description&lt;\\\/th&gt;\\n&lt;\\\/tr&gt;\\n&lt;\\\/thead&gt;\\n&lt;tbody&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-amount-currency\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;amount.currency&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;br&gt;Required for currency conversion.&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The currency of the top-up.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-amount-currency\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;amount.value&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The value of the top-up.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-merchantAccount\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;merchantAccount&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;Your merchant account name.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-reference\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;reference&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;Your unique reference for this payment.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-returnUrl\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;returnUrl&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;URL to where the shopper should be taken back to after a redirection. The URL can contain a maximum of 1024 characters and should include the protocol: &lt;code&gt;http:\\\/\\\/&lt;\\\/code&gt; or &lt;code&gt;https:\\\/\\\/&lt;\\\/code&gt;. You can also include your own additional query parameters, for example, shopper ID or order reference number.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-paymentMethod\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;paymentMethod.type&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The type of payment method. Possible values:&lt;br&gt;&lt;ul&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;&lt;strong&gt;ach&lt;\\\/strong&gt;: for payments from verified bank accounts in the US, made in USD.&lt;\\\/li&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;&lt;strong&gt;sepadirectdebit&lt;\\\/strong&gt;: for payments from verified bank accounts in the SEPA zone, made in EUR.&lt;\\\/li&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;&lt;strong&gt;directdebit_GB&lt;\\\/strong&gt;: for payments from verified bank accounts in the UK, made in GBP.&lt;\\\/li&gt;&lt;\\\/ul&gt;&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-paymentMethod\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;paymentMethod.transferInstrumentId&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The unique identifier of your user&#039;s verified transfer instrument (bank account).&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;An array containing instructions for each split of the total payment amount. You can define instructions for the top-up here.&lt;br&gt;&lt;br&gt;If you do not include a splits array, the funds are booked to your liable account, and classified as a regular payment.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;\\\/tbody&gt;\\n&lt;\\\/table&gt;\\n&lt;h3&gt;Splits array&lt;\\\/h3&gt;\\n&lt;p&gt;To define the top-up and differentiate it from regular payments, include the following objects in your  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits&lt;\\\/a&gt; array:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;An object for the top-up amount\\n&lt;\\\/li&gt;\\n&lt;li&gt;One or more objects for the &lt;a href=\\&quot;\\\/pt\\\/marketplaces\\\/transaction-fees\\&quot;&gt;transaction fees&lt;\\\/a&gt;.\\n&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;In each object within the array, specify:&lt;\\\/p&gt;\\n&lt;table&gt;\\n&lt;thead&gt;\\n&lt;tr&gt;\\n&lt;th style=\\&quot;text-align: left;\\&quot;&gt;Parameter&lt;\\\/th&gt;\\n&lt;th style=\\&quot;text-align: center;\\&quot;&gt;Required&lt;\\\/th&gt;\\n&lt;th style=\\&quot;text-align: left;\\&quot;&gt;Description&lt;\\\/th&gt;\\n&lt;\\\/tr&gt;\\n&lt;\\\/thead&gt;\\n&lt;tbody&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits-type\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits.type&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;Defines the top-up and the transaction fees.&lt;ul&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;Top-up amount: set to &lt;strong&gt;TopUp&lt;\\\/strong&gt;.&lt;\\\/li&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;Transaction fees: set to the necessary &lt;a href=\\&quot;\\\/pt\\\/marketplaces\\\/transaction-fees\\\/#transaction-fee-types\\&quot;&gt;transaction fee type&lt;\\\/a&gt;.&lt;\\\/li&gt;&lt;\\\/ul&gt;&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits-account\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits.account&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The balance account that is credited or debited. &lt;ul&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;Top-up amount: the unique identifier of the balance account you want to top up.&lt;\\\/li&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;Transaction fees: the unique identifier of the balance account to which you want to book the fees.&lt;\\\/li&gt;&lt;\\\/ul&gt;&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits-amount-value\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits.amount.value&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;br&gt;Required for the top-up object&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The amount of the top-up. You do not need to specify this field for the transaction fees object, because they are not known at the time of payment.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;\\\/tbody&gt;\\n&lt;\\\/table&gt;\\n&lt;p&gt;Here is an example of a POST  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;\\\/payments&lt;\\\/a&gt; request to top up your user&#039;s balance account with EUR 100.00 using their transfer instrument with ID &lt;strong&gt;SE00000000000000000000001&lt;\\\/strong&gt;. In this example, your user is based in the SEPA zone.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Top-up request using a bank account from the SEPA zone&#039;\\&quot; :id=\\&quot;&#039;top-up-transfer-instrument&#039;\\&quot; :code-data=\\&quot;[{&amp;quot;language&amp;quot;:&amp;quot;bash&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;curl https:\\\\\\\/\\\\\\\/checkout-test.adyen.com\\\\\\\/v72\\\\\\\/payments \\\\\\\\\\\\n-H &#039;x-api-key: ADYEN_API_KEY&#039; \\\\\\\\\\\\n-H &#039;content-type: application\\\\\\\/json&#039; \\\\\\\\\\\\n-X POST \\\\\\\\\\\\n-d &#039;{\\\\n      \\\\&amp;quot;paymentMethod\\\\&amp;quot;: {\\\\n        \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;sepadirectdebit\\\\&amp;quot;,\\\\n        \\\\&amp;quot;transferInstrumentId\\\\&amp;quot;: \\\\&amp;quot;SE00000000000000000000001\\\\&amp;quot;\\\\n      },\\\\n      \\\\&amp;quot;amount\\\\&amp;quot;: {\\\\n        \\\\&amp;quot;value\\\\&amp;quot;: 10000,\\\\n        \\\\&amp;quot;currency\\\\&amp;quot;: \\\\&amp;quot;EUR\\\\&amp;quot;\\\\n      },\\\\n      \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;,\\\\n      \\\\&amp;quot;merchantAccount\\\\&amp;quot;: \\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n      \\\\&amp;quot;returnUrl\\\\&amp;quot;: \\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;,\\\\n      \\\\&amp;quot;splits\\\\&amp;quot;: [\\\\n          {\\\\n            \\\\&amp;quot;amount\\\\&amp;quot;: {\\\\n              \\\\&amp;quot;value\\\\&amp;quot;: 10000\\\\n            },\\\\n            \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;TopUp\\\\&amp;quot;,\\\\n            \\\\&amp;quot;account\\\\&amp;quot;: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;,\\\\n            \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;,\\\\n            \\\\&amp;quot;description\\\\&amp;quot;: \\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;\\\\n          },\\\\n          {\\\\n            \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;PaymentFee\\\\&amp;quot;,\\\\n            \\\\&amp;quot;account\\\\&amp;quot;: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;,\\\\n            \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;,\\\\n            \\\\&amp;quot;description\\\\&amp;quot;: \\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;\\\\n          }\\\\n      ]\\\\n    }&#039;&amp;quot;}]\\&quot; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;p&gt;After you make the request, you receive the following response:&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Response&#039;\\&quot; :id=\\&quot;&#039;response-transfer-instrument&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;\\\\n{\\\\n   \\\\\\&quot;additionalData\\\\\\&quot;: {\\\\n       \\\\\\&quot;sepadirectdebit.dateOfSignature\\\\\\&quot;: \\\\\\&quot;2024-05-02\\\\\\&quot;,\\\\n       \\\\\\&quot;sepadirectdebit.mandateId\\\\\\&quot;: \\\\\\&quot;FJM726V375BV9D82\\\\\\&quot;,\\\\n       \\\\\\&quot;sepadirectdebit.sequenceType\\\\\\&quot;: \\\\\\&quot;Recurring\\\\\\&quot;\\\\n   },\\\\n   \\\\\\&quot;pspReference\\\\\\&quot;: \\\\\\&quot;QFQTPCQ8HXSKGK82\\\\\\&quot;,\\\\n   \\\\\\&quot;resultCode\\\\\\&quot;: \\\\\\&quot;Authorised\\\\\\&quot;,\\\\n   \\\\\\&quot;amount\\\\\\&quot;: {\\\\n       \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;EUR\\\\\\&quot;,\\\\n       \\\\\\&quot;value\\\\\\&quot;: 10000\\\\n   },\\\\n   \\\\\\&quot;merchantReference\\\\\\&quot;: \\\\\\&quot;YOUR_ORDER_NUMBER\\\\\\&quot;,\\\\n   \\\\\\&quot;paymentMethod\\\\\\&quot;: {\\\\n       \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;sepadirectdebit\\\\\\&quot;\\\\n   }\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:&quot;transfer-instrument-example&quot;,&quot;oldTabId&quot;:&quot;transfer-instrument-example_1&quot;,&quot;relation&quot;:&quot;&quot;},{&quot;title&quot;:&quot;Other payment methods&quot;,&quot;content&quot;:&quot;\\n&lt;p&gt;In your payment request, specify the following fields:&lt;\\\/p&gt;\\n&lt;table&gt;\\n&lt;thead&gt;\\n&lt;tr&gt;\\n&lt;th style=\\&quot;text-align: left;\\&quot;&gt;Parameter&lt;\\\/th&gt;\\n&lt;th style=\\&quot;text-align: center;\\&quot;&gt;Required&lt;\\\/th&gt;\\n&lt;th style=\\&quot;text-align: left;\\&quot;&gt;Description&lt;\\\/th&gt;\\n&lt;\\\/tr&gt;\\n&lt;\\\/thead&gt;\\n&lt;tbody&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-amount-currency\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;amount.currency&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;br&gt;Required for currency conversion.&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The currency of the top-up.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-amount-currency\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;amount.value&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The value of the top-up.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-merchantAccount\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;merchantAccount&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;Your merchant account name.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-reference\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;reference&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;Your unique reference for this payment.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-returnUrl\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;returnUrl&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;URL to where the shopper should be taken back to after a redirection. The URL can contain a maximum of 1024 characters and should include the protocol: &lt;code&gt;http:\\\/\\\/&lt;\\\/code&gt; or &lt;code&gt;https:\\\/\\\/&lt;\\\/code&gt;. You can also include your own additional query parameters, for example, shopper ID or order reference number.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-paymentMethod\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;paymentMethod&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The details of the payment method. You can check which parameters to include for each payment method by selecting that payment method in the drop down list in  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-paymentMethod\\&quot; class=\\&quot; external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;API explorer&lt;\\\/a&gt;.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;An array containing instructions for each split of the total payment amount. You can define instructions for the top-up here.&lt;br&gt;&lt;br&gt;If you do not include a splits array, the funds are booked to your liable account, and classified as a regular payment.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;\\\/tbody&gt;\\n&lt;\\\/table&gt;\\n&lt;h3&gt;Splits array&lt;\\\/h3&gt;\\n&lt;p&gt;To define the top-up and differentiate it from regular payments, include the following objects in your  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits&lt;\\\/a&gt; array:&lt;\\\/p&gt;\\n&lt;ul&gt;\\n&lt;li&gt;An object for the top-up amount\\n&lt;\\\/li&gt;\\n&lt;li&gt;One or more objects for the &lt;a href=\\&quot;\\\/pt\\\/marketplaces\\\/transaction-fees\\&quot;&gt;transaction fees&lt;\\\/a&gt;.\\n&lt;\\\/li&gt;\\n&lt;\\\/ul&gt;\\n&lt;p&gt;In each object within the array, specify:&lt;\\\/p&gt;\\n&lt;table&gt;\\n&lt;thead&gt;\\n&lt;tr&gt;\\n&lt;th style=\\&quot;text-align: left;\\&quot;&gt;Parameter&lt;\\\/th&gt;\\n&lt;th style=\\&quot;text-align: center;\\&quot;&gt;Required&lt;\\\/th&gt;\\n&lt;th style=\\&quot;text-align: left;\\&quot;&gt;Description&lt;\\\/th&gt;\\n&lt;\\\/tr&gt;\\n&lt;\\\/thead&gt;\\n&lt;tbody&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits-type\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits.type&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;Defines the top-up and the transaction fees.&lt;ul&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;Top-up amount: set to &lt;strong&gt;TopUp&lt;\\\/strong&gt;.&lt;\\\/li&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;Transaction fees: set to the necessary &lt;a href=\\&quot;\\\/pt\\\/marketplaces\\\/transaction-fees\\\/#transaction-fee-types\\&quot;&gt;transaction fee type&lt;\\\/a&gt;.&lt;\\\/li&gt;&lt;\\\/ul&gt;&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits-account\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits.account&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The balance account that is credited or debited. &lt;ul&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;Top-up amount: the unique identifier of the balance account you want to top up.&lt;\\\/li&gt;&lt;li markdown=\\&quot;1\\&quot;&gt;Transaction fees: the unique identifier of the balance account to which you want to book the fees.&lt;\\\/li&gt;&lt;\\\/ul&gt;&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;tr&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt; &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments#request-splits-amount-value\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;splits.amount.value&lt;\\\/a&gt;&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: center;\\&quot;&gt;&lt;img title=\\&quot;-white_check_mark-\\&quot; alt=\\&quot;-white_check_mark-\\&quot; class=\\&quot;smileys\\&quot; src=\\&quot;\\\/user\\\/data\\\/smileys\\\/emoji\\\/white_check_mark.png\\&quot; \\\/&gt;&lt;br&gt;Required for the top-up object&lt;\\\/td&gt;\\n&lt;td style=\\&quot;text-align: left;\\&quot;&gt;The amount of the top-up. You do not need to specify this field for the transaction fees object, because they are not known at the time of payment.&lt;\\\/td&gt;\\n&lt;\\\/tr&gt;\\n&lt;\\\/tbody&gt;\\n&lt;\\\/table&gt;\\n&lt;p&gt;Here is an example of a POST  &lt;a href=\\&quot;https:\\\/\\\/docs.adyen.com\\\/api-explorer\\\/Checkout\\\/latest\\\/post\\\/payments\\&quot; class=\\&quot;codeLabel  external-link no-image\\&quot; target=\\&quot;_blank\\&quot; rel=\\&quot;nofollow noopener noreferrer\\&quot;&gt;\\\/payments&lt;\\\/a&gt; request to top up your user&#039;s balance account with EUR 100.00 using a Visa credit card.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Top-up request using a Visa credit card&#039;\\&quot; :id=\\&quot;&#039;top-up-visa-credit-card&#039;\\&quot; :code-data=\\&quot;[{&amp;quot;language&amp;quot;:&amp;quot;bash&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;curl&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;curl https:\\\\\\\/\\\\\\\/checkout-test.adyen.com\\\\\\\/v72\\\\\\\/payments \\\\\\\\\\\\n-H &#039;x-api-key: ADYEN_API_KEY&#039; \\\\\\\\\\\\n-H &#039;content-type: application\\\\\\\/json&#039; \\\\\\\\\\\\n-X POST \\\\\\\\\\\\n-d &#039;{\\\\n      \\\\&amp;quot;paymentMethod\\\\&amp;quot;: {\\\\n        \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;scheme\\\\&amp;quot;,\\\\n        \\\\&amp;quot;number\\\\&amp;quot;: \\\\&amp;quot;4111111111111111\\\\&amp;quot;,\\\\n        \\\\&amp;quot;cvc\\\\&amp;quot;: \\\\&amp;quot;737\\\\&amp;quot;,\\\\n        \\\\&amp;quot;expiryMonth\\\\&amp;quot;: \\\\&amp;quot;03\\\\&amp;quot;,\\\\n        \\\\&amp;quot;expiryYear\\\\&amp;quot;: \\\\&amp;quot;2030\\\\&amp;quot;,\\\\n        \\\\&amp;quot;holderName\\\\&amp;quot;: \\\\&amp;quot;John Smith\\\\&amp;quot;\\\\n      },\\\\n      \\\\&amp;quot;amount\\\\&amp;quot;: {\\\\n        \\\\&amp;quot;value\\\\&amp;quot;: 10000,\\\\n        \\\\&amp;quot;currency\\\\&amp;quot;: \\\\&amp;quot;EUR\\\\&amp;quot;\\\\n      },\\\\n      \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;,\\\\n      \\\\&amp;quot;merchantAccount\\\\&amp;quot;: \\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n      \\\\&amp;quot;returnUrl\\\\&amp;quot;: \\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;,\\\\n      \\\\&amp;quot;splits\\\\&amp;quot;: [\\\\n          {\\\\n            \\\\&amp;quot;amount\\\\&amp;quot;: {\\\\n              \\\\&amp;quot;value\\\\&amp;quot;: 10000\\\\n            },\\\\n            \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;TopUp\\\\&amp;quot;,\\\\n            \\\\&amp;quot;account\\\\&amp;quot;: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;,\\\\n            \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;,\\\\n            \\\\&amp;quot;description\\\\&amp;quot;: \\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;\\\\n          },\\\\n          {\\\\n            \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;PaymentFee\\\\&amp;quot;,\\\\n            \\\\&amp;quot;account\\\\&amp;quot;: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;,\\\\n            \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;,\\\\n            \\\\&amp;quot;description\\\\&amp;quot;: \\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;\\\\n          }\\\\n      ]\\\\n    }&#039;&amp;quot;},{&amp;quot;language&amp;quot;:&amp;quot;java&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;Java&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;\\\\\\\/\\\\\\\/ Adyen Java API Library v33.0.0\\\\nimport com.adyen.Client;\\\\nimport com.adyen.enums.Environment;\\\\nimport com.adyen.model.checkout.*;\\\\nimport java.time.OffsetDateTime;\\\\nimport java.util.*;\\\\nimport com.adyen.model.RequestOptions;\\\\nimport com.adyen.service.checkout.*;\\\\n\\\\n\\\\\\\/\\\\\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\\\nClient client = new Client(\\\\&amp;quot;ADYEN_API_KEY\\\\&amp;quot;, Environment.TEST);\\\\n\\\\n\\\\\\\/\\\\\\\/ Create the request object(s)\\\\nSplitAmount splitAmount1 = new SplitAmount()\\\\n  .value(10000L);\\\\n\\\\nAmount amount = new Amount()\\\\n  .currency(\\\\&amp;quot;EUR\\\\&amp;quot;)\\\\n  .value(10000L);\\\\n\\\\nSplit split1 = new Split()\\\\n  .reference(\\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;)\\\\n  .amount(splitAmount1)\\\\n  .description(\\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;)\\\\n  .type(Split.TypeEnum.TOPUP)\\\\n  .account(\\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;);\\\\n\\\\nSplit split2 = new Split()\\\\n  .reference(\\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;)\\\\n  .description(\\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;)\\\\n  .type(Split.TypeEnum.PAYMENTFEE)\\\\n  .account(\\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;);\\\\n\\\\nCardDetails cardDetails = new CardDetails()\\\\n  .number(\\\\&amp;quot;4111111111111111\\\\&amp;quot;)\\\\n  .cvc(\\\\&amp;quot;737\\\\&amp;quot;)\\\\n  .holderName(\\\\&amp;quot;John Smith\\\\&amp;quot;)\\\\n  .expiryMonth(\\\\&amp;quot;03\\\\&amp;quot;)\\\\n  .expiryYear(\\\\&amp;quot;2030\\\\&amp;quot;)\\\\n  .type(CardDetails.TypeEnum.SCHEME);\\\\n\\\\nPaymentRequest paymentRequest = new PaymentRequest()\\\\n  .reference(\\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;)\\\\n  .amount(amount)\\\\n  .splits(Arrays.asList(split1, split2))\\\\n  .merchantAccount(\\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;)\\\\n  .paymentMethod(new CheckoutPaymentMethod(cardDetails))\\\\n  .returnUrl(\\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;);\\\\n\\\\n\\\\\\\/\\\\\\\/ Send the request\\\\nPaymentsApi service = new PaymentsApi(client);\\\\nPaymentResponse response = service.payments(paymentRequest, new RequestOptions().idempotencyKey(\\\\&amp;quot;UUID\\\\&amp;quot;));&amp;quot;},{&amp;quot;language&amp;quot;:&amp;quot;php&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;PHP&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;&amp;lt;?php\\\\n\\\\\\\/\\\\\\\/ Adyen PHP API Library v24.0.0\\\\nuse Adyen\\\\\\\\Client;\\\\nuse Adyen\\\\\\\\Environment;\\\\nuse Adyen\\\\\\\\Model\\\\\\\\Checkout\\\\\\\\Amount;\\\\nuse Adyen\\\\\\\\Model\\\\\\\\Checkout\\\\\\\\Split;\\\\nuse Adyen\\\\\\\\Model\\\\\\\\Checkout\\\\\\\\CheckoutPaymentMethod;\\\\nuse Adyen\\\\\\\\Model\\\\\\\\Checkout\\\\\\\\SplitAmount;\\\\nuse Adyen\\\\\\\\Model\\\\\\\\Checkout\\\\\\\\PaymentRequest;\\\\nuse Adyen\\\\\\\\Service\\\\\\\\Checkout\\\\\\\\PaymentsApi;\\\\n\\\\n$client = new Client();\\\\n$client-&amp;gt;setXApiKey(\\\\&amp;quot;ADYEN_API_KEY\\\\&amp;quot;);\\\\n\\\\\\\/\\\\\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\\\n$client-&amp;gt;setEnvironment(Environment::TEST);\\\\n\\\\n\\\\n\\\\\\\/\\\\\\\/ Create the request object(s)\\\\n$splitAmount1 = new SplitAmount();\\\\n$splitAmount1\\\\n  -&amp;gt;setValue(10000);\\\\n\\\\n$amount = new Amount();\\\\n$amount\\\\n  -&amp;gt;setCurrency(\\\\&amp;quot;EUR\\\\&amp;quot;)\\\\n  -&amp;gt;setValue(10000);\\\\n\\\\n$split1 = new Split();\\\\n$split1\\\\n  -&amp;gt;setReference(\\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;)\\\\n  -&amp;gt;setAmount($splitAmount1)\\\\n  -&amp;gt;setDescription(\\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;)\\\\n  -&amp;gt;setType(\\\\&amp;quot;TopUp\\\\&amp;quot;)\\\\n  -&amp;gt;setAccount(\\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;);\\\\n\\\\n$split2 = new Split();\\\\n$split2\\\\n  -&amp;gt;setReference(\\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;)\\\\n  -&amp;gt;setDescription(\\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;)\\\\n  -&amp;gt;setType(\\\\&amp;quot;PaymentFee\\\\&amp;quot;)\\\\n  -&amp;gt;setAccount(\\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;);\\\\n\\\\n$checkoutPaymentMethod = new CheckoutPaymentMethod();\\\\n$checkoutPaymentMethod\\\\n  -&amp;gt;setNumber(\\\\&amp;quot;4111111111111111\\\\&amp;quot;)\\\\n  -&amp;gt;setCvc(\\\\&amp;quot;737\\\\&amp;quot;)\\\\n  -&amp;gt;setHolderName(\\\\&amp;quot;John Smith\\\\&amp;quot;)\\\\n  -&amp;gt;setExpiryMonth(\\\\&amp;quot;03\\\\&amp;quot;)\\\\n  -&amp;gt;setExpiryYear(\\\\&amp;quot;2030\\\\&amp;quot;)\\\\n  -&amp;gt;setType(\\\\&amp;quot;scheme\\\\&amp;quot;);\\\\n\\\\n$paymentRequest = new PaymentRequest();\\\\n$paymentRequest\\\\n  -&amp;gt;setReference(\\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;)\\\\n  -&amp;gt;setAmount($amount)\\\\n  -&amp;gt;setSplits(array($split1, $split2))\\\\n  -&amp;gt;setMerchantAccount(\\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;)\\\\n  -&amp;gt;setPaymentMethod($checkoutPaymentMethod)\\\\n  -&amp;gt;setReturnUrl(\\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;);\\\\n\\\\n$requestOptions[&#039;idempotencyKey&#039;] = &#039;UUID&#039;;\\\\n\\\\n\\\\\\\/\\\\\\\/ Send the request\\\\n$service = new PaymentsApi($client);\\\\n$response = $service-&amp;gt;payments($paymentRequest, $requestOptions);&amp;quot;},{&amp;quot;language&amp;quot;:&amp;quot;cs&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;C#&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;\\\\\\\/\\\\\\\/ Adyen .net API Library v27.0.0\\\\nusing Adyen;\\\\nusing Environment = Adyen.Model.Environment;\\\\nusing Adyen.Model;\\\\nusing Adyen.Model.Checkout;\\\\nusing Adyen.Service.Checkout;\\\\n\\\\n\\\\\\\/\\\\\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\\\nvar config = new Config()\\\\n{\\\\n    XApiKey = \\\\&amp;quot;ADYEN_API_KEY\\\\&amp;quot;,\\\\n    Environment = Environment.Test\\\\n};\\\\nvar client = new Client(config);\\\\n\\\\n\\\\\\\/\\\\\\\/ Create the request object(s)\\\\nSplitAmount splitAmount1 = new SplitAmount\\\\n{\\\\n  Value = 10000\\\\n};\\\\n\\\\nAmount amount = new Amount\\\\n{\\\\n  Currency = \\\\&amp;quot;EUR\\\\&amp;quot;,\\\\n  Value = 10000\\\\n};\\\\n\\\\nSplit split1 = new Split\\\\n{\\\\n  Reference = \\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;,\\\\n  Amount = splitAmount1,\\\\n  Description = \\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;,\\\\n  Type = Split.TypeEnum.TopUp,\\\\n  Account = \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;\\\\n};\\\\n\\\\nSplit split2 = new Split\\\\n{\\\\n  Reference = \\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;,\\\\n  Description = \\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;,\\\\n  Type = Split.TypeEnum.PaymentFee,\\\\n  Account = \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;\\\\n};\\\\n\\\\nCardDetails cardDetails = new CardDetails\\\\n{\\\\n  Number = \\\\&amp;quot;4111111111111111\\\\&amp;quot;,\\\\n  Cvc = \\\\&amp;quot;737\\\\&amp;quot;,\\\\n  HolderName = \\\\&amp;quot;John Smith\\\\&amp;quot;,\\\\n  ExpiryMonth = \\\\&amp;quot;03\\\\&amp;quot;,\\\\n  ExpiryYear = \\\\&amp;quot;2030\\\\&amp;quot;,\\\\n  Type = CardDetails.TypeEnum.Scheme\\\\n};\\\\n\\\\nPaymentRequest paymentRequest = new PaymentRequest\\\\n{\\\\n  Reference = \\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;,\\\\n  Amount = amount,\\\\n  Splits = new List&amp;lt;Split&amp;gt;{ split1, split2 },\\\\n  MerchantAccount = \\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n  PaymentMethod = new CheckoutPaymentMethod(cardDetails),\\\\n  ReturnUrl = \\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;\\\\n};\\\\n\\\\n\\\\\\\/\\\\\\\/ Send the request\\\\nvar service = new PaymentsService(client);\\\\nvar response = service.Payments(paymentRequest, requestOptions: new RequestOptions { IdempotencyKey = \\\\&amp;quot;UUID\\\\&amp;quot;});&amp;quot;},{&amp;quot;language&amp;quot;:&amp;quot;js&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;NodeJS (JavaScript)&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;\\\\\\\/\\\\\\\/ Adyen Node API Library v23.3.0\\\\nconst { Client, CheckoutAPI } = require(&#039;@adyen\\\\\\\/api-library&#039;);\\\\n\\\\n\\\\\\\/\\\\\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\\\nconst client = new Client({ apiKey: \\\\&amp;quot;ADYEN_API_KEY\\\\&amp;quot;, environment: \\\\&amp;quot;TEST\\\\&amp;quot; });\\\\n\\\\n\\\\\\\/\\\\\\\/ Create the request object(s)\\\\nconst paymentRequest = {\\\\n  paymentMethod: {\\\\n    type: \\\\&amp;quot;scheme\\\\&amp;quot;,\\\\n    number: \\\\&amp;quot;4111111111111111\\\\&amp;quot;,\\\\n    cvc: \\\\&amp;quot;737\\\\&amp;quot;,\\\\n    expiryMonth: \\\\&amp;quot;03\\\\&amp;quot;,\\\\n    expiryYear: \\\\&amp;quot;2030\\\\&amp;quot;,\\\\n    holderName: \\\\&amp;quot;John Smith\\\\&amp;quot;\\\\n  },\\\\n  amount: {\\\\n    value: 10000,\\\\n    currency: \\\\&amp;quot;EUR\\\\&amp;quot;\\\\n  },\\\\n  reference: \\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;,\\\\n  merchantAccount: \\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n  returnUrl: \\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;,\\\\n  splits: [ {\\\\n    amount: {\\\\n      value: 10000\\\\n    },\\\\n    type: \\\\&amp;quot;TopUp\\\\&amp;quot;,\\\\n    account: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;,\\\\n    reference: \\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;,\\\\n    description: \\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;\\\\n  }, {\\\\n    type: \\\\&amp;quot;PaymentFee\\\\&amp;quot;,\\\\n    account: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;,\\\\n    reference: \\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;,\\\\n    description: \\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;\\\\n  } ]\\\\n}\\\\n\\\\n\\\\\\\/\\\\\\\/ Send the request\\\\nconst checkoutAPI = new CheckoutAPI(client);\\\\nconst response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: \\\\&amp;quot;UUID\\\\&amp;quot; });&amp;quot;},{&amp;quot;language&amp;quot;:&amp;quot;go&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;Go&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;\\\\\\\/\\\\\\\/ Adyen Go API Library v16.3.0\\\\nimport (\\\\n  \\\\&amp;quot;context\\\\&amp;quot;\\\\n  \\\\&amp;quot;github.com\\\\\\\/adyen\\\\\\\/adyen-go-api-library\\\\\\\/v16\\\\\\\/src\\\\\\\/common\\\\&amp;quot;\\\\n  \\\\&amp;quot;github.com\\\\\\\/adyen\\\\\\\/adyen-go-api-library\\\\\\\/v16\\\\\\\/src\\\\\\\/adyen\\\\&amp;quot;\\\\n  \\\\&amp;quot;github.com\\\\\\\/adyen\\\\\\\/adyen-go-api-library\\\\\\\/v16\\\\\\\/src\\\\\\\/checkout\\\\&amp;quot;\\\\n)\\\\n\\\\\\\/\\\\\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\\\nclient := adyen.NewClient(&amp;amp;common.Config{\\\\n  ApiKey:      \\\\&amp;quot;ADYEN_API_KEY\\\\&amp;quot;,\\\\n  Environment: common.TestEnv,\\\\n})\\\\n\\\\n\\\\\\\/\\\\\\\/ Create the request object(s)\\\\nsplitAmount1 := checkout.SplitAmount{\\\\n  Value: 10000,\\\\n}\\\\n\\\\namount := checkout.Amount{\\\\n  Currency: \\\\&amp;quot;EUR\\\\&amp;quot;,\\\\n  Value: 10000,\\\\n}\\\\n\\\\nsplit1 := checkout.Split{\\\\n  Reference: common.PtrString(\\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;),\\\\n  Amount: &amp;amp;splitAmount1,\\\\n  Description: common.PtrString(\\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;),\\\\n  Type: \\\\&amp;quot;TopUp\\\\&amp;quot;,\\\\n  Account: common.PtrString(\\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;),\\\\n}\\\\n\\\\nsplit2 := checkout.Split{\\\\n  Reference: common.PtrString(\\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;),\\\\n  Description: common.PtrString(\\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;),\\\\n  Type: \\\\&amp;quot;PaymentFee\\\\&amp;quot;,\\\\n  Account: common.PtrString(\\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;),\\\\n}\\\\n\\\\ncardDetails := checkout.CardDetails{\\\\n  Number: common.PtrString(\\\\&amp;quot;4111111111111111\\\\&amp;quot;),\\\\n  Cvc: common.PtrString(\\\\&amp;quot;737\\\\&amp;quot;),\\\\n  HolderName: common.PtrString(\\\\&amp;quot;John Smith\\\\&amp;quot;),\\\\n  ExpiryMonth: common.PtrString(\\\\&amp;quot;03\\\\&amp;quot;),\\\\n  ExpiryYear: common.PtrString(\\\\&amp;quot;2030\\\\&amp;quot;),\\\\n  Type: common.PtrString(\\\\&amp;quot;scheme\\\\&amp;quot;),\\\\n}\\\\n\\\\npaymentRequest := checkout.PaymentRequest{\\\\n  Reference: \\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;,\\\\n  Amount: amount,\\\\n  Splits: []checkout.Split{\\\\n      split1, split2,\\\\n  },\\\\n  MerchantAccount: \\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n  PaymentMethod: checkout.CardDetailsAsCheckoutPaymentMethod(&amp;amp;cardDetails),\\\\n  ReturnUrl: \\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;,\\\\n}\\\\n\\\\n\\\\\\\/\\\\\\\/ Send the request\\\\nservice := client.Checkout()\\\\nreq := service.PaymentsApi.PaymentsInput().IdempotencyKey(\\\\&amp;quot;UUID\\\\&amp;quot;).PaymentRequest(paymentRequest)\\\\nres, httpRes, err := service.PaymentsApi.Payments(context.Background(), req)&amp;quot;},{&amp;quot;language&amp;quot;:&amp;quot;py&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;Python&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;# Adyen Python API Library v13.3.0\\\\nimport Adyen\\\\n\\\\nadyen = Adyen.Adyen()\\\\nadyen.client.xapikey = \\\\&amp;quot;ADYEN_API_KEY\\\\&amp;quot;\\\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\\\nadyen.client.platform = \\\\&amp;quot;test\\\\&amp;quot; # The environment to use library in.\\\\n\\\\n# Create the request object(s)\\\\njson_request = {\\\\n  \\\\&amp;quot;paymentMethod\\\\&amp;quot;: {\\\\n    \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;scheme\\\\&amp;quot;,\\\\n    \\\\&amp;quot;number\\\\&amp;quot;: \\\\&amp;quot;4111111111111111\\\\&amp;quot;,\\\\n    \\\\&amp;quot;cvc\\\\&amp;quot;: \\\\&amp;quot;737\\\\&amp;quot;,\\\\n    \\\\&amp;quot;expiryMonth\\\\&amp;quot;: \\\\&amp;quot;03\\\\&amp;quot;,\\\\n    \\\\&amp;quot;expiryYear\\\\&amp;quot;: \\\\&amp;quot;2030\\\\&amp;quot;,\\\\n    \\\\&amp;quot;holderName\\\\&amp;quot;: \\\\&amp;quot;John Smith\\\\&amp;quot;\\\\n  },\\\\n  \\\\&amp;quot;amount\\\\&amp;quot;: {\\\\n    \\\\&amp;quot;value\\\\&amp;quot;: 10000,\\\\n    \\\\&amp;quot;currency\\\\&amp;quot;: \\\\&amp;quot;EUR\\\\&amp;quot;\\\\n  },\\\\n  \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;,\\\\n  \\\\&amp;quot;merchantAccount\\\\&amp;quot;: \\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n  \\\\&amp;quot;returnUrl\\\\&amp;quot;: \\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;,\\\\n  \\\\&amp;quot;splits\\\\&amp;quot;: [ {\\\\n    \\\\&amp;quot;amount\\\\&amp;quot;: {\\\\n      \\\\&amp;quot;value\\\\&amp;quot;: 10000\\\\n    },\\\\n    \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;TopUp\\\\&amp;quot;,\\\\n    \\\\&amp;quot;account\\\\&amp;quot;: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;,\\\\n    \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;,\\\\n    \\\\&amp;quot;description\\\\&amp;quot;: \\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;\\\\n  }, {\\\\n    \\\\&amp;quot;type\\\\&amp;quot;: \\\\&amp;quot;PaymentFee\\\\&amp;quot;,\\\\n    \\\\&amp;quot;account\\\\&amp;quot;: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;,\\\\n    \\\\&amp;quot;reference\\\\&amp;quot;: \\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;,\\\\n    \\\\&amp;quot;description\\\\&amp;quot;: \\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;\\\\n  } ]\\\\n}\\\\n\\\\n# Send the request\\\\nresult = adyen.checkout.payments_api.payments(request=json_request, idempotency_key=\\\\&amp;quot;UUID\\\\&amp;quot;)&amp;quot;},{&amp;quot;language&amp;quot;:&amp;quot;rb&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;Ruby&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;# Adyen Ruby API Library v10.1.1\\\\nrequire \\\\&amp;quot;adyen-ruby-api-library\\\\&amp;quot;\\\\n\\\\nadyen = Adyen::Client.new\\\\nadyen.api_key = &#039;ADYEN_API_KEY&#039;\\\\n# For the LIVE environment, also include your liveEndpointUrlPrefix.\\\\nadyen.env = :test # Set to \\\\&amp;quot;live\\\\&amp;quot; for live environment\\\\n\\\\n# Create the request object(s)\\\\nrequest_body = {\\\\n  :paymentMethod =&amp;gt; {\\\\n    :type =&amp;gt; &#039;scheme&#039;,\\\\n    :number =&amp;gt; &#039;4111111111111111&#039;,\\\\n    :cvc =&amp;gt; &#039;737&#039;,\\\\n    :expiryMonth =&amp;gt; &#039;03&#039;,\\\\n    :expiryYear =&amp;gt; &#039;2030&#039;,\\\\n    :holderName =&amp;gt; &#039;John Smith&#039;\\\\n  },\\\\n  :amount =&amp;gt; {\\\\n    :value =&amp;gt; 10000,\\\\n    :currency =&amp;gt; &#039;EUR&#039;\\\\n  },\\\\n  :reference =&amp;gt; &#039;YOUR_ORDER_NUMBER&#039;,\\\\n  :merchantAccount =&amp;gt; &#039;YOUR_MERCHANT_ACCOUNT&#039;,\\\\n  :returnUrl =&amp;gt; &#039;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...&#039;,\\\\n  :splits =&amp;gt; [ {\\\\n    :amount =&amp;gt; {\\\\n      :value =&amp;gt; 10000\\\\n    },\\\\n    :type =&amp;gt; &#039;TopUp&#039;,\\\\n    :account =&amp;gt; &#039;BA00000000000000000000001&#039;,\\\\n    :reference =&amp;gt; &#039;Your reference for the top-up.&#039;,\\\\n    :description =&amp;gt; &#039;Your description for the top-up.&#039;\\\\n  }, {\\\\n    :type =&amp;gt; &#039;PaymentFee&#039;,\\\\n    :account =&amp;gt; &#039;BA00000000000000000000001&#039;,\\\\n    :reference =&amp;gt; &#039;Your reference for the transaction fees.&#039;,\\\\n    :description =&amp;gt; &#039;Your description for the transaction fees.&#039;\\\\n  } ]\\\\n}\\\\n\\\\n# Send the request\\\\nresult = adyen.checkout.payments_api.payments(request_body, headers: { &#039;Idempotency-Key&#039; =&amp;gt; &#039;UUID&#039; })&amp;quot;},{&amp;quot;language&amp;quot;:&amp;quot;ts&amp;quot;,&amp;quot;tabTitle&amp;quot;:&amp;quot;NodeJS (TypeScript)&amp;quot;,&amp;quot;content&amp;quot;:&amp;quot;\\\\\\\/\\\\\\\/ Adyen Node API Library v23.3.0\\\\nimport { Client, CheckoutAPI, Types } from \\\\&amp;quot;@adyen\\\\\\\/api-library\\\\&amp;quot;;\\\\n\\\\n\\\\\\\/\\\\\\\/ For the LIVE environment, also include your liveEndpointUrlPrefix.\\\\nconst client = new Client({ apiKey: \\\\&amp;quot;ADYEN_API_KEY\\\\&amp;quot;, environment: \\\\&amp;quot;TEST\\\\&amp;quot; });\\\\n\\\\n\\\\\\\/\\\\\\\/ Create the request object(s)\\\\nconst splitAmount1: Types.checkout.SplitAmount = {\\\\n  value: 10000\\\\n};\\\\n\\\\nconst amount: Types.checkout.Amount = {\\\\n  currency: \\\\&amp;quot;EUR\\\\&amp;quot;,\\\\n  value: 10000\\\\n};\\\\n\\\\nconst split1: Types.checkout.Split = {\\\\n  reference: \\\\&amp;quot;Your reference for the top-up.\\\\&amp;quot;,\\\\n  amount: splitAmount1,\\\\n  description: \\\\&amp;quot;Your description for the top-up.\\\\&amp;quot;,\\\\n  type: Types.checkout.Split.TypeEnum.TopUp,\\\\n  account: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;\\\\n};\\\\n\\\\nconst split2: Types.checkout.Split = {\\\\n  reference: \\\\&amp;quot;Your reference for the transaction fees.\\\\&amp;quot;,\\\\n  description: \\\\&amp;quot;Your description for the transaction fees.\\\\&amp;quot;,\\\\n  type: Types.checkout.Split.TypeEnum.PaymentFee,\\\\n  account: \\\\&amp;quot;BA00000000000000000000001\\\\&amp;quot;\\\\n};\\\\n\\\\nconst cardDetails: Types.checkout.CardDetails = {\\\\n  number: \\\\&amp;quot;4111111111111111\\\\&amp;quot;,\\\\n  cvc: \\\\&amp;quot;737\\\\&amp;quot;,\\\\n  holderName: \\\\&amp;quot;John Smith\\\\&amp;quot;,\\\\n  expiryMonth: \\\\&amp;quot;03\\\\&amp;quot;,\\\\n  expiryYear: \\\\&amp;quot;2030\\\\&amp;quot;,\\\\n  type: Types.checkout.CardDetails.TypeEnum.Scheme\\\\n};\\\\n\\\\nconst paymentRequest: Types.checkout.PaymentRequest = {\\\\n  reference: \\\\&amp;quot;YOUR_ORDER_NUMBER\\\\&amp;quot;,\\\\n  amount: amount,\\\\n  splits: [split1, split2],\\\\n  merchantAccount: \\\\&amp;quot;YOUR_MERCHANT_ACCOUNT\\\\&amp;quot;,\\\\n  paymentMethod: cardDetails,\\\\n  returnUrl: \\\\&amp;quot;https:\\\\\\\/\\\\\\\/your-company.example.com\\\\\\\/...\\\\&amp;quot;\\\\n};\\\\n\\\\n\\\\\\\/\\\\\\\/ Send the request\\\\nconst checkoutAPI = new CheckoutAPI(client);\\\\nconst response = checkoutAPI.PaymentsApi.payments(paymentRequest, { idempotencyKey: \\\\&amp;quot;UUID\\\\&amp;quot; });&amp;quot;}]\\&quot; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;p&gt;After you make the request, you receive the following response:&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n    &lt;code-sample :title=\\&quot;&#039;Response&#039;\\&quot; :id=\\&quot;&#039;response-visa&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;\\\\n{\\\\n   \\\\\\&quot;additionalData\\\\\\&quot;: {...},\\\\n   \\\\\\&quot;pspReference\\\\\\&quot;: \\\\\\&quot;WNV97K8PPLC52VT5\\\\\\&quot;,\\\\n   \\\\\\&quot;resultCode\\\\\\&quot;: \\\\\\&quot;Authorised\\\\\\&quot;,\\\\n   \\\\\\&quot;amount\\\\\\&quot;: {\\\\n       \\\\\\&quot;currency\\\\\\&quot;: \\\\\\&quot;EUR\\\\\\&quot;,\\\\n       \\\\\\&quot;value\\\\\\&quot;: 10000\\\\n   },\\\\n   \\\\\\&quot;merchantReference\\\\\\&quot;: \\\\\\&quot;YOUR_ORDER_NUMBER\\\\\\&quot;,\\\\n   \\\\\\&quot;paymentMethod\\\\\\&quot;: {\\\\n       \\\\\\&quot;brand\\\\\\&quot;: \\\\\\&quot;visa\\\\\\&quot;,\\\\n       \\\\\\&quot;type\\\\\\&quot;: \\\\\\&quot;scheme\\\\\\&quot;\\\\n   }\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:&quot;other-payment-methods&quot;,&quot;oldTabId&quot;:&quot;other-payment-methods-example_2&quot;,&quot;relation&quot;:&quot;other-payment-methods&quot;}]\"\n            :should-update-when-url-changes='true'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<h2>Get updates when a top-up is triggered<\/h2>\n<p>Use <a href=\"\/pt\/marketplaces\/top-up-balance-account\/top-up-webhooks\">top-up webhooks<\/a> to track incoming payment requests related to on-demand top-ups. These webhooks provide the status of the incoming payment request, from the time when Adyen received the request and the payment was authorised, up to when the funds were added to the balance account. These webhooks also inform you if the payment failed.<\/p>","url":"https:\/\/docs.adyen.com\/pt\/marketplaces\/top-up-balance-account\/on-demand-top-ups","articleFields":{"description":"Make payment requests to top up balance accounts on demand.","cache_enable":false,"parameters":{"directoryPath":"\/marketplaces","model":"marketplace"}},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/marketplaces\/top-up-balance-account\/on-demand-top-ups","title":"Top up on demand","content":"You can submit requests to manually top-up your users' balance accounts when needed. In this case, you create a one-off payment funded by your user, that increases the balance in their balance account.\nRequirements\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nAdyen for Platforms\n\n\nAPI credential roles\nMake sure that you have the credentials for the  Checkout API.\n\n\nWebhooks\nEnsure that your server can receive and accept standard webhooks.Subscribe to the following webhooks:  Transfer webhooks Transaction webhooks\n\n\nCapabilities\nMake sure your user has the right capabilities to fund the top-up.To top up using your user's verified transfer transfer instrument (bank account), they need the following capabilities:receiveFromPlatformPaymentsreceiveFromTransferInstrumentTo top up using other payment methods, your user needs the following capability:receiveFromPlatformPayments\n\n\nLimitations\nTo top-up using your user's verified transfer instrument (bank account), your user must have a bank account in the SEPA zone, the UK, or the US.\n\n\nSetup steps\nBefore you begin: Ask our Support Team to enable on-demand top-ups for your marketplace.To top up using your user's verified transfer instrument, make sure that you stay compliant with the direct debit regulations in your user's region.\n\n\n\nFund the top-up\nTop-ups of your users' balance account are usually funded by your users themselves.\nYour users can fund the top-up of their balance accounts in the following ways:\nOption 1: Using their verified transfer instrument (bank account)\n\n\nThe following capabilities must be allowed for your user, and have a valid  verificationStatus:\n\nreceiveFromPlatformPayments\nreceiveFromTransferInstrument\n\n\n\nYour user must have a bank account in the SEPA zone, the UK, or the US. You cannot fund a top-up with bank accounts from other regions.\n\n\nOption 2: Using any other payment method\nMake sure that following capability is allowed for your user, and has a valid  verificationStatus: receiveFromPlatformPayments\nDifferentiate the top-up\nWhen you process a payment to top up a balance account, you can include instructions to define the top-up and differentiate it from regular payments. This allows you to:\n\nReconcile top-ups separately from other payments using our reports.\nFor users based in the US, exclude top-ups from tax filings. Top-ups do not count towards your user's revenue, and are not included in the 1099-K tax forms.\n\nWhen you provide instructions to define the top-up, you can also specify where to book the top-up amount and the transaction fees it incurs.\n(Conditional) Stay compliant with regulations\nWhen you initiate a top-up from your user's verified transfer instrument (bank account), you must ensure that you stay compliant with the direct debit regulations in your user's region. If your user's bank account is in the SEPA zone or the UK, you must do the following:\nSEPA Direct Debit\nTo initiate top-ups from bank accounts in the SEPA zone using SEPA Direct Debit, your users must first accept a mandate that authorizes you to debit their accounts. We recommend that you use the following text for the mandate:\n\nBy providing your payment details and confirming this payment, you authorize (A) {Name of your marketplace} and Adyen, our payment service provider, to send instructions to your bank to debit your account and (B) your bank to debit your account by the payment instruction. As part of your rights, you're entitled to a refund from your bank under the terms and conditions of your agreement with your bank. You must claim a refund within 8 weeks from the date your account was debited. You can request a statement from your bank explaining your rights.\n\nYour users only need to accept this mandate once. You can either add the recommended text to their service agreement document with your marketplace, or send it to them in an email.\nBACS Direct Debit\nFor each top-up you initiate from bank accounts in the UK using BACS Direct Debit, your users must confirm the following:\n\nThey authorize you to debit their bank account to cover negative balances on their balance account.\nThe bank account is in their name.\nThey are the only signatory required to authorize the direct debit on this account.\n\nWe recommend that you use the following text for the confirmations:\n\n\nI agree that {name of your marketplace} can deduct funds from my bank account to cover negative balances on my balance account.\n\nI confirm that the bank account is in my name and that I am the only signatory required to authorize the direct debit on this bank account.\n\n\nYou must also send an advance notice to your users by email for each top-up you initiate. According to scheme rules, your users may file a chargeback when they do not receive a notification at least 10 days before a charge. The notice must contain the following:\n\nThe total amount to be debited from your user\u2019s account.\nThe direct debit due date (day, month, and year). This is 2 business days after the top-up is initiated.\nThe  recurringDetailReference of the payment.\nThe name of your marketplace.\nYour contact phone number and email address.\n\nWe recommend that you use the following text for the notice:\n\nSubject: ADVANCE NOTICE OF DIRECT DEBIT COLLECTIONWe will debit your bank account on or shortly after {Settlement date (dd\/mm\/yy)}. This payment will appear on your bank statement as ADYEN RE {Your marketplace name}, with recurring detail reference {Your recurringDetailReference}.Name of your user: {Your user's legal entity name}Direct debit amount due: {Top-up amount}Please check the details provided. If you have any queries about this notification, or would like to cancel or make changes, please contact {Your company name and telephone number}.You have the right to cancel your direct debit at any time. Bacs Direct Debits are covered by the Direct Debit Guarantee.\n\nMake a top-up request\nTo top up a balance account, make a POST  \/payments request for the amount you want to top up.\n\nYou cannot initiate a top-up using a  \/sessions request.\n\nThe following tabs show you how to initiate a top-up using your user's transfer instrument or another payment method.\n\n\n    \n        \n        \n    \n\n\nGet updates when a top-up is triggered\nUse top-up webhooks to track incoming payment requests related to on-demand top-ups. These webhooks provide the status of the incoming payment request, from the time when Adyen received the request and the payment was authorised, up to when the funds were added to the balance account. These webhooks also inform you if the payment failed.","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Marketplaces","lvl2":"Top up balance accounts","lvl3":"Top up on demand"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/marketplaces","lvl2":"https:\/\/docs.adyen.com\/pt\/marketplaces\/top-up-balance-account","lvl3":"\/pt\/marketplaces\/top-up-balance-account\/on-demand-top-ups"},"levels":4,"category":"Marketplaces","category_color":"green","tags":["demand"]}}
