With an Adyen for Platforms integration, you can process in-person transactions at the point of sale 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 in-person payments integration. |
| 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 a point-of-sale integration with Adyen, you must take action on the following topics:
|
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 you must define instructions on how to split the funds between your user's balance accounts and your platform's liable balance account. You can either define these instructions in the following ways:
- Automatically split all transactions processed through a specific store by setting up split configuration profiles.
- Split specific transactions by defining instructions manually for each API request you send.
The instructions you provide in your API requests override the instructions you defined in your split configuration profiles.
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.
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 platform's funds are paid out.
- The customer pays USD 620.00 for the goods or services at your user's store.
- 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 600.00 credited to your user's balance account
- USD 20.00 credited to your liable balance account as your commission
- USD 5.00 deducted from your liable balance account as the transaction fees
- The funds from the payment and commission settle in your user's balance account and in your liable balance account, respectively.
- The funds are paid out:
- USD 600.00 to your user's transfer instrument
- USD 15.00 to your transfer instrument