---
title: "Multi pay-in"
description: "Learn how you can consolidate payments processed by Adyen and a third-party payment provider in your balance platform."
url: "https://docs.adyen.com/platforms/multi-pay-in"
source_url: "https://docs.adyen.com/platforms/multi-pay-in.md"
canonical: "https://docs.adyen.com/platforms/multi-pay-in"
last_modified: "2026-06-01T15:33:15+02:00"
language: "en"
---

# Multi pay-in

Learn how you can consolidate payments processed by Adyen and a third-party payment provider in your balance platform.

[View source](/platforms/multi-pay-in.md)

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.

## Requirements

Take into account the following requirements, limitations, and preparations for this service.

| Requirement                                                       | Description                                                                                                                                                                                                                                |
| ----------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| **Integration type**                                              | You must have an [online payments integration](/online-payments/build-your-integration) on Adyen for Platforms.                                                                                                                            |
| **[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)**                   | 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:- **sendToBalanceAccount**
- **receiveFromBalanceAccount**                                                                                                             |
| **Limitations**                                                   | Multi pay-in does not support separate authorization and capture.                                                                                                                                                                          |

## How it works

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**. 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.

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.

The following sections describe how you can [receive](#receive-funds), [allocate](#allocate-payments), and [refund payments](#refund-payments) acquired or processed through a pay-in partner.

### 1. Receive funds

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.

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.

For more information on multi pay-in accounts, see [Receive funds from a third party](/platforms/multi-pay-in/receive-funds).

### 2. Allocate payments

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](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments) API request.

In your payment request, you specify the [split instructions](/platforms/multi-pay-in/payments#splits-array), 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.

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:

[![](/user/pages/reuse/pfs-payments/multi-pay-in/00.intro/multi_pay-in_payments.svg)](/user/pages/reuse/pfs-payments/multi-pay-in/00.intro/multi_pay-in_payments.svg)

1. The customers pay.

   * Customer A pays EUR 100.00, which is processed by Adyen (left).
   * Customer B pays EUR 100.00, which is processed through your pay-in partner (right).

2. The processing fees for the third-party payment are deducted by the pay-in partner.

3. The payments for the goods or services are credited to your user's balance account.

4. Your commission for both payments is credited to your liable balance account.

5. All applicable fees are deducted from your liable balance account.

6. All funds are settled in and paid out from the balance accounts in your balance platform.

For more information on how to transfer and allocate payments from your multi pay-in account to balance accounts, see [Allocate third-party payments](/platforms/multi-pay-in/payments).

### 3. Refund payments

When needed, you can initiate partial or full refunds for third-party payments using multi pay-in.

The refund process can differ depending on your pay-in partner. In general, if a customer asks for a refund:

1. Your pay-in partner transfers the refund amount to your user's customer.
2. The pay-in partner withholds the refund amount from the next payout batch to your multi pay-in account.
3. You send a [/payments/{paymentPspReference}/refunds](https://docs.adyen.com/api-explorer/Checkout/latest/post/payments/\(paymentPspReference\)/refunds) request to debit the refund amount.
4. The funds are deducted from specified balance accounts in your balance platform, according to your instructions.
5. The refund amount is transferred to your multi pay-in account to offset the amount withheld by your pay-in partner.

The following diagram shows the flow of funds when you refund a payment processed through a pay-in partner:

[![](/user/pages/reuse/pfs-payments/multi-pay-in/00.intro/multi_pay-in_refund.svg)](/user/pages/reuse/pfs-payments/multi-pay-in/00.intro/multi_pay-in_refund.svg)

1. You send a refund request to Adyen.

2. We deduct the funds.

   * We deduct EUR 98.00 from your user's balance account (payment).
   * We deduct EUR 2.00 from your liable balance account (commission).

3. We transfer the full refund amount (USD 100.00) to your multi pay-in account.

For more information on how to refund payments processed through your pay-in partner, see [Refund third-party payments](/platforms/multi-pay-in/refunds).

## Next steps

[required](/platforms/multi-pay-in/receive-funds)

[Receive funds](/platforms/multi-pay-in/receive-funds)

[Learn about how funds settle in your multi pay-in accounts.](/platforms/multi-pay-in/receive-funds)

[Top up multi pay-in account](/platforms/multi-pay-in/refunds)

[Top up the balance of your multi pay-in account with funds from your liable balance account.](/platforms/multi-pay-in/refunds)

[required](/platforms/multi-pay-in/payments)

[Allocate third-party payments](/platforms/multi-pay-in/payments)

[Learn how to transfer and allocate funds using multi pay-in.](/platforms/multi-pay-in/payments)

[Refund third-party payments](/platforms/multi-pay-in/refunds)

[Learn how to refund payments processed through a pay-in partner.](/platforms/multi-pay-in/refunds)
