---
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/platforms/process-payments"
source_url: "https://docs.adyen.com/platforms/process-payments.md"
canonical: "https://docs.adyen.com/platforms/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](/platforms/process-payments.md)

With an Adyen for Platforms integration, you can process [online](#online-payments) and [in-person](#in-person-payments) 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.

## Online payments

To process online payments, you must first build an Adyen online payments integration and checkout UI. For more information about the prerequisites, see [Online payments](/platforms/online-payments).

After you build your integration, you can accept payments with cards, wallets, and local payment methods on your website and mobile app.

## In-person payments

To process in-person payments, you must first integrate your POS app with Adyen's terminals and Terminal API. For more information about the prerequisites, see [In-person payments](/platforms/in-person-payments).

After you finish your integration, you can accept payments at the point of sale using Adyen's payment terminals.

## 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 manually for each [online](/platforms/online-payments/split-transactions) or [in-person](/platforms/in-person-payments/split-transactions) request you send, or set up [split configuration profiles](/platforms/automatic-split-configuration) that automatically split all transactions processed through your user's store. 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.

## Fund settlement

After processing transactions for your users, Adyen settles the funds to the balance accounts in your platform 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](/platforms/settle-funds).

## Flow of funds

The following diagram shows the flow of funds if you have both an online and in-person payments integration, from the moment your user's customers pay to when your user's and your platform's funds are paid out.

[![Diagram of the flow of funds for online and in-person payments](/user/pages/docs/05.platforms/24.process-payments/platform_ecom_pos.svg)](/user/pages/docs/05.platforms/24.process-payments/platform_ecom_pos.svg)

1. You user's customers pay.

   1. Customer A pays USD 100.00 at your user's physical store for the goods or services.
   2. Customer B pays USD 100.00 at your user's online store for the goods or services.

2. The payments are 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:

   1. In-person payment:

      * USD 95.00 credited to your user's balance account
      * USD 5.00 credited to your liable balance account as your commission
      * USD 2.00 deducted from your liable balance account as the transaction fees

   2. Online payment:

      * USD 96.00 credited to your user's balance account
      * USD 4.00 credited to your liable balance account as your commission
      * USD 1.00 deducted from your liable balance account as the transaction fees

4. The funds from both payments settle in your user's balance account, and the commissions settle in your liable balance account.

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

   * USD 191.00 to your user's transfer instrument
   * USD 6.00 to your platform's transfer instrument

## Webhooks

Adyen sends webhooks to inform you of payment-related events that occur in your platform. 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.

## Next steps

[Configure additional payment methods](/platforms/payment-methods)

[Learn how to configure payment methods for your users' stores.](/platforms/payment-methods)

[Process online payments](/platforms/online-payments)

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

[Process in-person payments](/platforms/in-person-payments)

[Learn how to split in-person payments.](/platforms/in-person-payments)
