{"title":"Multi pay-in","category":"default","creationDate":1776961628,"content":"

Multi pay-in is a service offered by Adyen that creates a single environment for all your processing volume. It consolidates all funds processed for your users within Adyen's infrastructure, making it possible for you to combine payments processed by Adyen with third-party acquired volume. This means that you can extend your payment method offering, while reducing payment processing and payout framework complexity. You can receive, store, allocate, and pay out all your users' funds within a single environment.<\/p>\n

Requirements<\/h2>\n

Take into account the following requirements, limitations, and preparations for this service.<\/p>\n\n\n\n\n\n\n\n\n\n
Requirement<\/th>\nDescription<\/th>\n<\/tr>\n<\/thead>\n
Integration type<\/strong><\/td>\nYou must have an online payments integration<\/a> on Adyen for Platforms.<\/td>\n<\/tr>\n
API credentials<\/a><\/strong><\/td>\nYou must have credentials for the following APIs:
Webhooks<\/a><\/strong><\/td>\nSubscribe to any of the following webhooks:
Capabilities<\/a><\/strong><\/td>\nMake sure that your account holders have the following capabilities:
  • sendToBalanceAccount<\/strong><\/li>
  • receiveFromBalanceAccount<\/strong><\/li><\/ul><\/td>\n<\/tr>\n
Limitations<\/strong><\/td>\nMulti pay-in does not support separate authorization and capture.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

How it works<\/h2>\n

With multi pay-in, you receive the payouts for payments acquired by your pay-in partner (third-party provider) in a multi pay-in account<\/strong>. You then transfer the funds from the multi pay-in account to balance accounts in your balance platform, splitting the payments between your user's and your own liable balance accounts.<\/p>\n

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To comply with financial regulations, you must allocate the funds you receive in your multi pay-in account to the balance accounts in your balance platform within 24 hours.<\/p>\n<\/div>\n

The following sections describe how you can receive<\/a>, allocate<\/a>, and refund payments<\/a> acquired or processed through a pay-in partner.<\/p>\n

1. Receive funds<\/h3>\n

When you request multi pay-in, we create a multi pay-in account for you in your balance platform to act as the payout account for your pay-in partner. If you have many pay-in partners, we create a separate account for each of them.<\/p>\n

The multi pay-in account is legally held by Adyen solely for your user's benefit to hold their funds before you allocate them to the balance accounts in your platform.<\/p>\n

For more information on multi pay-in accounts, see Receive funds from a third party<\/a>.<\/p>\n

2. Allocate payments<\/h3>\n

After you receive the funds in your multi pay-in account, you allocate each payment to the balance accounts in your platform by making a POST \/payments<\/a> API request.<\/p>\n

In your payment request, you specify the split instructions<\/a>, as you would for any payment acquired through Adyen. According to the split instructions you send in the request, we allocate the funds to specified balance accounts in your balance platform. If you do not send the split instructions in the request, all funds and fees are booked to your liable balance account.<\/p>\n

The following diagram shows the flow of funds when you use multi pay-in to consolidate payments acquired by Adyen and your pay-in partner in your balance platform:<\/p>\n

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  1. The customers pay.\n