---
title: "Process online payments"
description: "Learn how to process online payments on behalf of your users."
url: "https://docs.adyen.com/platforms/online-payments"
source_url: "https://docs.adyen.com/platforms/online-payments.md"
canonical: "https://docs.adyen.com/platforms/online-payments"
last_modified: "2023-04-28T17:05:00+02:00"
language: "en"
---

# Process online payments

Learn how to process online payments on behalf of your users.

[View source](/platforms/online-payments.md)

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](/online-payments/build-your-integration).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| **[API credentials](/development-resources/api-credentials/)**    | You must have credentials for the following APIs:- [Checkout API](https://docs.adyen.com/api-explorer/Checkout/latest/overview)
- [Transfers API](https://docs.adyen.com/api-explorer/transfers/latest/overview)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |
| **[Webhooks](/development-resources/webhooks)**                   | Ensure that your server can receive and accept [standard webhooks](/development-resources/webhooks). Subscribe to any of the following webhooks:- [Transfer webhooks](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/overview)
- [Transaction webhooks](https://docs.adyen.com/api-explorer/transaction-webhooks/latest/overview)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |
| **[Capabilities](/platforms/verification-overview/capabilities)** | Make sure that your account holders have the following capabilities:- **receivePayments**
- **receiveFromPlatformPayments**
- **sendToTransferInstrument**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |
| **Limitations**                                                   | If an account holder does not have the **receiveFromPlatformPayments** capability in a **valid** state, the funds cannot be allocated to their balance account. The full amount is booked to your liable balance account.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| **Setup steps**                                                   | When you build your online payments integration, choose between the following server-side flows:- **\[Sessions flow]** (/online-payments/build-your-integration/sessions-flow): your server makes a single Checkout API request to the [/sessions](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions) endpoint.
- **\[Advanced flow]** (/online-payments/build-your-integration/advanced-flow): your server makes three Checkout API requests to the [/paymentMethods](https://docs.adyen.com/api-explorer/Checkout/latest/post/paymentMethods), [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments), and [/payments/details](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/details) endpoints.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. |

## 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 about how to split the funds between your user's balance accounts and your platform's liable balance account. You can define these instructions in the following ways:

* Automatically split all transactions processed through your user's store by setting up [split configuration profiles](/platforms/automatic-split-configuration).
* Split transactions by defining instructions for each API request. 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 in a split configuration profile or through an API request, the whole transaction amount and fees are booked to your liable balance account.

For more information, see [Split transactions](/platforms/online-payments/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.

[![Diagram of the flow of funds for online payments](/user/pages/docs/05.platforms/27.online-payments/platform_ecom.svg)](/user/pages/docs/05.platforms/27.online-payments/platform_ecom.svg)

1. The customer pays USD 400.00 for the goods or services.

2. The payment is processed through Adyen's payment processing platform.

3. 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 account as the transaction fees

4. The funds from the payment and commission settle in your user's balance account and in your liable balance account, respectively.

5. The funds are paid out:

   * The remaining USD 2.00 to your transfer instrument
   * USD 396.00 to your user's transfer instrument

## Next steps

[Split transactions manually](/platforms/online-payments/split-transactions)

[Learn how to manually split each online transaction in your platform.](/platforms/online-payments/split-transactions)

[Split transactions automatically](/platforms/automatic-split-configuration)

[Learn how to configure automatic payment splits in your platform.](/platforms/automatic-split-configuration)
