---
title: "Split transactions between balance accounts"
description: "Learn how to split transactions in your platform."
url: "https://docs.adyen.com/platforms/online-payments/split-transactions"
source_url: "https://docs.adyen.com/platforms/online-payments/split-transactions.md"
canonical: "https://docs.adyen.com/platforms/online-payments/split-transactions"
last_modified: "2024-04-23T16:12:00+02:00"
language: "en"
---

# Split transactions between balance accounts

Learn how to split transactions in your platform.

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

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.

## Splitting specific transactions

If you want to define separate instructions for specific transactions in your platform, you can define the split instructions in your API requests. The instructions you provide in your API requests override any [automatic split configuration profiles](/platforms/automatic-split-configuration) applied to your user's store.

The following information on this page explains the process of defining split instructions for specific transactions. Before sending an API request with split instructions, make sure you understand:

* [When to provide split instructions](#when-to-provide-split-instructions)
* [How you can split a transaction](#how-to-split-a-transaction)
* [How to send split instructions](#send-split-instructions)
* [Which split types you can include in your request](#split-types)

## When to provide split instructions

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

* [/payments](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) or [/sessions](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions) to authorize a payment.
* [/payments/{paymentPspReference}/amountUpdates](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/amountUpdates) to update the authorized payment amount.
* [/payments/{paymentPspReference}/captures](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/captures) to capture a payment.

Splitting payments at capture is only possible for payment methods that support [separate captures](/online-payments/capture).

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

* [/payments/{paymentPspReference}/refunds](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/refunds) to refund a payment.

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

## How to split a transaction

### Tab: Payments

For payments, you can provide specific instructions on booking:

* The sale amount for the goods or services
* Your platform's commission for the payment
* [The fees incurred by the payment](/platforms/online-payments/transaction-fees)
* The leftover amount after [currency conversion](/platforms/online-payments/currency-conversion/payments)
* [The amount paid by your user to top up their balance account](/platforms/top-up-balance-account/on-demand-top-ups)

### Tab: Refunds

For refunds, you can provide specific instructions on booking:

* The sale amount of the refund
* Your marketplace's commission that is now refunded
* [The fees incurred by the refund](/platforms/online-payments/transaction-fees)
* The leftover amount after [currency conversion](/platforms/online-payments/currency-conversion/refunds)

### Tab: Chargebacks

For [chargebacks](/platforms/online-payments/split-transactions/split-chargebacks/), you can provide specific instructions on booking:

* The disputed amount of the chargeback
* The fees incurred by the chargeback

## Send split instructions

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

### Tab: Payments and refunds

When you send an API request for a payment or refund, you must define split instructions for each split of the full transaction amount. You can do this by including a `splits` array in your [authorization](/platforms/online-payments/split-transactions/split-payments-at-authorization), [capture](/platforms/online-payments/split-transactions/split-payments-at-capture), or [refund](/platforms/online-payments/split-transactions/split-refunds) requests. Each object in the `splits` array represents one set of split instructions, and defines how to book a specific part of the transaction.

Within each object in the `splits` array, you must define certain values. The links in the following table show you which values you need to provide for each type of request you make.

| Request               | Splits array in API explorer                                                                                                                                                                                          |
| --------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Authorization request | [/payments splits array](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-splits) [/sessions splits array](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions#request-splits) |
| Capture request       | [splits](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/captures#request-splits) array for captures                                                                        |
| Refund request        | [splits](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/refunds#request-splits) array for refunds                                                                          |

For more information on making a payment, capture, or refund request with a `splits` array, see the following pages:

* [Split a payment at authorization](/platforms/online-payments/split-transactions/split-payments-at-authorization)
* [Split a payment at capture](/platforms/in-person-payments/split-transactions/split-payments-at-capture)
* [Split refunds](/platforms/online-payments/split-transactions/split-refunds)

### Tab: Chargebacks

When you send an authorization or capture request for a payment, you can define instructions on how to book potential chargebacks on that payment. To do this, include a `platformChargebackLogic` object in your authorization or capture request.

The links in the following table show you which values you need to provide inside the object.

| Request               | API explorer                                                                                                                                                                                                                                                                      |
| --------------------- | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Authorization request | [platformChargebackLogic (/payments)](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments#request-platformChargebackLogic) [platformChargebackLogic (/sessions)](https://docs.adyen.com/api-explorer/Checkout/latest/post/sessions#request-platformChargebackLogic) |
| Capture request       | [platformChargebackLogic](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/captures#request-platformChargebackLogic) object for captures.                                                                                                |

For more information on defining split instructions for chargebacks, see [Split chargebacks](/platforms/online-payments/split-transactions/split-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 platform'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](https://www.adyen.com/knowledge-hub/interchange-fees-explained) to the specified `account`.          |                                | `account` `reference`             |   |
| **AdyenMarkup**     | Books the transaction fee due to Adyen under [Interchange ++ pricing](https://www.adyen.com/knowledge-hub/interchange-fees-explained) 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](/platforms/online-payments/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](/platforms/online-payments/currency-conversion) to the specified `account`.                                |                                | `account` `reference`             |   |
| **Surcharge**       | Books the [surcharge](/platforms/online-payments/surcharge) paid by the customer to the specified `account`.                                                      | `amount`                       | `account` `reference`             |   |
| **TopUp**           | Books the funds from a [top-up](/platforms/top-up-balance-account/on-demand-top-ups), paid by your user, to the specified `account` .                             | `account` `amount`             | `reference`                       |   |

## Next steps

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

[Learn how to split a payment at the time of authorization.](/platforms/online-payments/split-transactions/split-payments-at-authorization)

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

[Learn how to split a payment at the time of capture.](/platforms/online-payments/split-transactions/split-payments-at-capture)

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

[Learn how to split refunds](/platforms/online-payments/split-transactions/split-refunds)
