---
title: "Process in-person payments"
description: "Process in-person payments on behalf of your users."
url: "https://docs.adyen.com/platforms/in-person-payments"
source_url: "https://docs.adyen.com/platforms/in-person-payments.md"
canonical: "https://docs.adyen.com/platforms/in-person-payments"
last_modified: "2023-03-07T16:31:00+01:00"
language: "en"
---

# Process in-person payments

Process in-person payments on behalf of your users.

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

With an Adyen for Platforms integration, you can process in-person transactions at the point of sale 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 in-person payments.

| Requirement                                                       | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| ----------------------------------------------------------------- |   |
| **Integration type**                                              | For in-person payments with Adyen, your POS app must be integrated with the [Terminal API](/point-of-sale/design-your-integration/terminal-api) and then either use [payment terminals](/point-of-sale/what-we-support/select-your-terminals) or a [Mobile solution](/point-of-sale/ipp-mobile). The [standalone solution](/point-of-sale/standalone) can serve as a fallback.                                                                                                                                                                                                                                                                                                                                                                                                                                   |
| **[API credentials](/development-resources/api-credentials/)**    | You must have credentials for the [Transfers API](https://docs.adyen.com/api-explorer/transfers/latest/overview). Additional API credentials depend on the in-person payments integration type. Refer to the relevant integration instructions.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| **[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**                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      |
| **Limitations**                                                   | The standalone solution supports split configuration profiles, but does not support splitting individual payment or refund requests.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |
| **Setup steps**                                                   | When you build a point-of-sale integration with Adyen, you must take action on the topics mentioned in [Design your integration](/point-of-sale/design-your-integration) and the requirements and checklists for the type of integration:- For Terminal API with payment terminals, see [Integration overview](/point-of-sale/get-started).
- For an Android Mobile solution, see the [Android system requirements](/point-of-sale/mobile-android/requirements) and the [Android checklists](/point-of-sale/mobile-android/checklists).
- For an iOS Mobile solution, see the [iOS system requirements](/point-of-sale/mobile-ios/requirements) and the [iOS checklists](/point-of-sale/mobile-ios/checklists).
- For standalone, see [Build a standalone solution](/point-of-sale/standalone/standalone-build). |

## 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/in-person-payments/split-transactions).

### Split transactions and integration type

In a Terminal API integration with either payment terminals or a Mobile solution, you can use both ways to provide split instructions.

If you use the standalone solution, either as a fallback for network connection issues or as a way to get started with in-person payments, be aware that this only supports split configuration profiles. On a standalone terminal it is not possible to provide split instructions for individual request.

## 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 in-person payments](/user/pages/docs/05.platforms/28.in-person-payments/platform_pos.svg)](/user/pages/docs/05.platforms/28.in-person-payments/platform_pos.svg)

1. The customer pays USD 620.00 for the goods or services at your user's store.

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 600.00 credited to your user's balance account
   * USD 20.00 credited to your liable balance account as your commission
   * USD 5.00 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:

   * USD 600.00 to your user's transfer instrument
   * USD 15.00 to your transfer instrument

## Next steps

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

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

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

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