Adyen split payments look like a routing problem: some money goes to the seller, some to the platform. In practice, each split instruction answers two business questions. Who pays to process the sale, and who carries the loss if it’s charged back? Left alone, Adyen answers both the same way: the platform.<\/p>\n\n\n\n
Anything you don’t assign stays with you, in one of your liable balance accounts. That covers interchange and scheme fees, splits aimed at a closed or unverified seller, chargebacks with no logic attached, and seller balances that stay negative past 30 days. So split design is a pricing and risk decision that happens to live in an API request, and someone has to make it on purpose.<\/p>\n\n\n\n