Create a split configuration profile in Adyen Customer Area (Accounts & balances > Split configurations) defining split logic: a commission amount or percentage for your platform, a remainder to the seller's balance account, and optionally a separate surcharge or tip split.
Link the split configuration to your Adyen store or associate it at payment-request time by passing a splits array in the /payments or /sessions request body, specifying each split's type (BalanceAccount, Commission, Remainder), amount or percentage, and the target balance account ID.
To automate seller payouts, configure a sweep on each seller's balance account via POST /balanceAccounts/{balanceAccountId}/sweeps: set schedule (daily, weekly, or cron expression), the target transfer instrument (verified bank account), and sweep type (PUSH to send funds out).
Handle the balancePlatform.accountHolder.updated webhook to detect when an account holder's capabilities change (e.g., payouts become ACTIVE after KYC), which is the trigger to enable live payout sweeps for that seller.
Monitor the Balance Platform Payout Report (available in Customer Area > Reports) to reconcile settled amounts per balance account against your internal order records.
For on-demand payouts bypassing the sweep schedule, POST /transfers with type=bankTransfer to move a specific amount from a seller's balance account to their transfer instrument immediately.
Known gotchas
Adyen only pays out the available balance — it withholds any amount reserved against open disputes; factor this into payout timing expectations communicated to sellers.
Split configuration profiles must be explicitly linked to stores or sent per-payment; a misconfigured or missing splits array causes the full payment amount to land in the platform's own balance account rather than splitting to sellers.
KYC verification must reach the required capability level for payouts before a sweep will execute; Adyen silently skips a sweep on an account holder whose payout capability is not yet active — confirm status via GET /accountHolders/{id} before scheduling seller-facing payout promises.
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claude mcp add --transport http waymark https://mcp.waymark.network/mcp