---
title: "Overview"
slug: "xenplatform-overview"
updated: 2026-10-01T11:21:07Z
published: 2026-10-01T11:21:07Z
canonical: "docs.xendit.co/xenplatform-overview"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.xendit.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

XenPlatform is a payment solution designed for platforms and marketplaces, enabling the master merchant account to collect, split, and route payments to sub-accounts while taking a fee or commission on the processed payment.

![](https://cdn.document360.io/217abc43-8677-41fb-a81d-fceeb1fa0358/Images/Documentation/xp-tree-gif.gif?sv=2026-02-06&spr=https&st=2026-10-24T21%3A16%3A54Z&se=2026-10-24T22%3A16%3A54Z&sr=c&sp=r&sig=fnrFMxm%2B3HXYln%2FfPohRzXh0gYt%2FIN5Jp0TlpkqMvu8%3D)

XenPlatform enables your business to:

- Create and manage individual sub-accounts for each merchant each of your merchants.
- Accept payments on behalf of your sub-account merchants.
- Split payments between multiple sub-accounts.
- Track all transactions in one place.
- Pay out to your sub-account merchants’ bank accounts.

This simplifies complex payment flows for business models like:

- SaaS platforms
- Marketplaces

## XenPlatform Terminology

- **Master Account:** Your Xendit account with XenPlatform activated, and can create sub-accounts. We also refer to multi-account businesses as Platforms.
- **Sub-Account:** The Xendit account where transactions are processed for your merchants. Each account has a separate balance and transaction history. The entity represented by the sub-accounts can be your merchants, partners, sellers, vendors, branches, drivers, etc.

### Account IDs for API Requests

An Account ID is the account identifier used for various requests (card charges, payouts, reports, etc.). It is how you can identify which sub-account you wish to perform the requests for. In our API references, there are synonyms to an Account ID which are: `user-id` , `owner_id` , `business_id`.

## Use Cases

Using XenPlatform to manage payments for sub-accounts involves 4 simple steps:

1. Creating a sub-account
2. Managing their payments
3. Monitoring their transactions
4. Paying out

In each step, there are different options that you can choose based on the payments experience that you want to provide to your merchants. We have created several suggested recipes for common business models:

| Business Models | Examples | Account Setup | Payment Routing |
| --- | --- | --- | --- |
| SaaS Platforms | TADA, Qoala | Onboard merchants at-scale using the API and control funds on their behalf | 1. Accept payments on behalf of your merchants by using our hosted checkout solution for easy integration 2. Create Split Fees to automate charging commissions per transaction 3. [Disburse](/v1/docs/payouts-for-sub-accounts) funds to your merchants’ bank accounts |
| Point-of-Sale Platforms | ESB, Raptor POS | Invite other merchants as sub-accounts to allow them to manage their own payments | 1. Accept payments on behalf of your Partners by building your own payment page with our range of payment options via API 2. Create Split Fees to automate charging commissions per transaction 3. Merchants can withdraw their own funds to their bank accounts |

## XenPlatform fees

Refer to [our website](https://www.xendit.co/en/pricing/) for information on the fees we charge for XenPlatform.