Log inGet started
Airwallex logo
Home
Online Payments
Treasury
Transactional FX
Payouts
Issuing
Scale
Open Banking
Developer Tools
API Reference
Home
Online Payments
Overview
Starting with paymentsAirwallex platform overviewOnline payments modelPricing model
Platforms
IntroductionProcess payments and manage fundsManage split funds flowReverse split funds
Payments owned by connected account, funds reversed from platform accountPayments owned by platform account, funds reversed from connected account(s)

Payments owned by platform account, funds reversed from connected account(s)

With this model, payments belong to the platform account solely. The platform account is responsible for Payments fees, refunds, and chargebacks. Normally the majority of funds will be split into one or many connected accounts. So when the payments finally end up being refunded or chargeback, it is likely that the platform wants to reimburse the deficit by taking back the funds.

The below chart illustrates how a standard one-off 100 GBP payment is split and reversed between the Platform and connected account in this model.

split reversal model2

Note:

If the original FundsSplit is in manual-release mode, you need to release the funds first so that they could be reversed back.

  1. Platform creates payment_intent with 100 GBP with connected account id "acct_ad1KMcnQM2Wmo2PFSuvR2g"
$ curl --request POST \
> 'https://pci-api-demo.airwallex.com/api/v1/pa/payment_intents/create' \
> -H 'Content-Type: application/json' \
> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \
> -d'{
  "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",
  "merchant_order_id": "cc9bfc13-ba30-483b-a62c-ee925fc9bfea",
  "amount": 100,
  "currency": "GBP"
}'
  1. After payment has been successfully captured, Platform creates two FundsSplit with 40 GBP going to one connected account and 30 GBP to the other. Funds are settled in all parties’ wallets.
$ curl --request POST \
> 'https://pci-api-demo.airwallex.com/api/v1/pa/funds_splits/create' \
> -H 'Content-Type: application/json' \
> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \
> -d'{
   "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",
   "source_id":  "int_e65tkXCSzJrsMpTrzoFrjaau53",
   "source_type":"PAYMENT_INTENT",
   "amount": 40, 
   "destination":"acct_ij2YyjhFNv-BGPsjqHuI3w",
   "metadata": { 
       "reason": "disbursement to seller A"
   }
}'
$ curl --request POST \
> 'https://pci-api-demo.airwallex.com/api/v1/pa/funds_splits/create' \
> -H 'Content-Type: application/json' \
> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \
> -d'{
   "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",
   "source_id":  "int_e65tkXCSzJrsMpTrzoFrjaau53",
   "source_type":"PAYMENT_INTENT",
   "amount": 35, 
   "destination":"acct_aD5rChdqMoCkSn3WseuKLw",
   "metadata": { 
       "reason": "disbursement to seller B"
   }
}'
  1. The platform creates two FundsSplitReversal mapping with each FundsSplit to take the money back. Both connected accounts will be deducted with the amount after the settlement cycle and the platform will be settled with 70 GBP in total as the result.
$ curl --request POST \
> 'https://pci-api-demo.airwallex.com/api/v1/pa/funds_split_reversals/create' \
> -H 'Content-Type: application/json' \
> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \
> -d'{
   "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",
   "amount": 40, 
   "funds_split_id": "spt_hkpdlwkjcg6cx3vss1w", 
   "metadata": { 
       "reason": "reimburse from seller A as the item has been refunded"
   }
}'
$ curl --request POST \
> 'https://pci-api-demo.airwallex.com/api/v1/pa/funds_split_reversals/create' \
> -H 'Content-Type: application/json' \
> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \
> -d'{
   "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",
   "amount": 30, 
   "funds_split_id": "spt_hkpdp89lhg6cn6p4nhg", 
   "metadata": { 
       "reason": "reimburse from seller B as the item has been refunded"
   }
}'