Funds reversed from platform account

With this model, payments belong to a connected account so it will bear all the Payments fees, refunds, and chargebacks. A portion of the captured funds has been split to the platform account as a service fee or commission.

To help the connected account cover its deficit of funds, the platform can initiate a FundsSplitReversal on behalf of the connected account with the x-on-behalf-of header.

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.

1. The platform creates payment_intent with 100 GBP on behalf of connected account with id "acct_ad1KMcnQM2Wmo2PFSuvR2g"

Shell
1$ curl --request POST \
2> 'https://api-demo.airwallex.com/api/v1/pa/payment_intents/create' \
3> -H 'Content-Type: application/json' \
4> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \
5> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \
6> -d'{
7  "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",
8  "merchant_order_id": "cc9bfc13-ba30-483b-a62c-ee925fc9bfea",
9  "amount": 100,
10  "currency": "GBP"
11}'

2. After payment has been successfully captured, Platform creates FundsSplit with 10 GBP on behalf of the connected account, where the destination is filled with the platform’s account_id. With the scheduled settlement cycle, platform receives 10 GBP as commission and the connected account receives the remaining 85 GBP (5 GBP Airwallex fees been netted).

Shell
1$ curl --request POST \
2> 'https://api-demo.airwallex.com/api/v1/pa/funds_splits/create' \
3> -H 'Content-Type: application/json' \
4> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \
5> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \
6> -d'{
7   "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",
8   "source_id":  "int_e65tkXCSzJrsMpTrzoFrjaau53",
9   "source_type":"PAYMENT_INTENT",
10   "amount": 10, 
11   "destination":"acct_ITNg64dHNgihu9rPpWeiMg",
12   "metadata": { 
13       "reason": "commission agreed with seller A"
14   }
15}'

3. The platform creates FundsSplitReversal on behalf of the connected account and attaches it with the id of the original FundsSplit. Similar to FundsSplit, Platform can use metadata to record the purpose of conducting the FundsSplitReversal. The platform will be deducted with 10 GBP after the settlement cycle whilst the connected account’s settlement batch will be added with 10 GBP.

Shell
1$ curl --request POST \
2> 'https://api-demo.airwallex.com/api/v1/pa/funds_split_reversals/create' \
3> -H 'Content-Type: application/json' \
4> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \
5> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \
6> -d'{
7   "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",
8   "amount": 10, 
9   "funds_split_id": "spt_hkstskz7vg1xc7uscdj", 
10   "metadata": { 
11       "reason": "return the commission to seller A due to refund"
12   }
13}'