Create an account holder via the Adyen Platforms API with the legal entity details of the sub-merchant; receive an accountHolderId in the response.
Create a balance account linked to the account holder; specify the default currency for the balance account.
Fund the balance account by processing a payment and routing the proceeds to the sub-merchant's balance account using the splits field on the payment request.
Use the balance account transfers endpoint to move funds between balance accounts or to initiate payouts to the sub-merchant's bank account.
Listen for ACCOUNT_HOLDER_VERIFICATION and BALANCE_ACCOUNT webhooks to track KYC status changes and funding events.
Query the balance account endpoint to retrieve current available, reserved, and total balances before initiating payouts.
Known gotchas
Each balance account has a currency; cross-currency transfers require explicit FX conversion via the Adyen FX API and will incur conversion fees.
Payouts from balance accounts are subject to Adyen's payout schedule and daily limits; large payouts may require advance notice or limit increases.
Account holders must pass KYC before balance accounts can receive or send funds; build status polling or webhook handling before going live.
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp