---
title: "Process payments"
description: "Learn how to enable your users to accept payments, and how split them between balance account in your platform."
url: "https://docs.adyen.com/marketplaces/process-payments"
source_url: "https://docs.adyen.com/marketplaces/process-payments.md"
canonical: "https://docs.adyen.com/marketplaces/process-payments"
last_modified: "2023-04-28T17:05:00+02:00"
language: "en"
---

# Process payments

Learn how to enable your users to accept payments, and how split them between balance account in your platform.

[View source](/marketplaces/process-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](/marketplaces/verification-overview/capabilities)** | Make sure that your account holders have the following capability in a [valid](/marketplaces/verification-overview/capabilities#verification-status-of-a-capability) state:- **receiveFromPlatformPayments**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| **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 in each individual payment, capture, and refund request that you send on behalf of your users, you have to include instructions on how to split the funds between your user's balance accounts and your marketplace's liable balance account.

If you do not provide any split instructions in a split configuration profile or through and API request, the whole transaction amount and fees are booked to your liable balance account.

For more information, see [Split transactions](/marketplaces/split-transactions).

## Fund settlement

After processing transactions for your users, Adyen settles the funds to the balance accounts in your marketplace according to the split instructions you defined. On each balance account, you can configure settlement models that define how the sales funds are settled to your users' transfer instruments.

For more information, see [Settle funds](/marketplaces/settle-funds).

## 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 marketplace's funds are paid out.

[![Diagram showing the flow of funds from customer payment through Adyen processing to balance account booking and final payout to transfer instruments](/user/pages/docs/04.marketplaces/22.process-payments/marketplace_split_funds.svg)](/user/pages/docs/04.marketplaces/22.process-payments/marketplace_split_funds.svg)

1. The customer pays USD 400.00 for the goods or services.\
   The payment is processed through Adyen's payment processing platform.

2. 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 accounts as the transaction fees

3. Depending on your payout schedule, we pay out the funds:

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

## Webhooks

Adyen sends webhooks to inform you of payment-related events that occur in your marketplace. Subscribe to the [Transfer webhooks](https://docs.adyen.com/api-explorer/transfer-webhooks/latest/overview) and [Transaction webhooks](https://docs.adyen.com/api-explorer/transaction-webhooks/latest/overview) to keep track of these events and their status.

## See also

* [Checkout components](/marketplaces/checkout-components)
* [Payment methods](/marketplaces/payment-methods)

## Next steps

[required](/marketplaces/split-transactions/split-payments-at-authorization)

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

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

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

[Learn how to split a transaction at the time of capture.](/marketplaces/split-transactions/split-payments-at-capture)
