Transaction capability

Remember, you need to define your sub-account type as KYC or Non-KYC when registering your sub-account account

Transaction interface

As a main account, you are allowed to manage your sub-account transaction, from transaction creation to refund request.

Type	Interface
Payment processing	API - using on-behalf information
Send money / Payout	API - using on-behalf information Dashboard (for invited sub-account only)

Payment identity

Use Case example	KYC condition	Payment Identity and descriptor in transaction and payment page
Retailers which have multiple outlets	KYC: (A) Retailers Main Account Non-KYC: (B) All outlets as sub-account	Show Retailers Main account name
PG Reseller which host multiple different company / entity	KYC: (A) PG Reseller as Main Account (B) Company 1 (C) Company 2	Show respective company identity when each processing their payment

Derived Payment Identity

Derived payment identity and configuration

Non-KYC Sub-account inherits payment identity from the Main Account. It means the accountability and responsibility of any transaction (in and out) on the Non-KYC sub-account belongs to the Main Account (your account)

Split and Route Payment

One of the key capabilities of the Account and Balance management product is to accept payments, then automatically split and re-route the funds automatically from the Main Account / Sub-account account to the Main Account / other Sub-account account.

Example Use Case:

Marketplace

Flows of payments from end-customers which need to be distributed to

• The Marketplace,

• 3PL partners, and

• product provider/seller

Split and Route Payment — Marketplace case

Tech Enabled Industry / SaaS Platform

Two examples, they are

• A referral model, when your user refers new activated (or paid) user, then your user will get some credit

• A restaurant with a food delivery service where the payment delivery fee needs to be distributed to the freelance courier — let's use this scenario for illustration

Split and Route Payment — Food Delivery case