Sub-accounts are distinct Xendit accounts created under your platform to represent your merchants, partners, vendors, or business branches. Creating sub-accounts allows you to cleanly isolate balances, customize transaction routing, automate split-fee commissions, and centralize financial tracking across your entire ecosystem.
Creating Sub-accounts
When you create a new sub-account, you can choose how its mandatory business verification (KYC) is handled based on your operational preference:
Verify on behalf or sub-accounts: Your team submits the sub-account's business details and legal documents directly via the Xendit Dashboard or API. This keeps the onboarding experience fully seamless and managed within your own operations.
Invite Authorized Representative to verify: You create the sub-account shell and generate a secure invitation link. The sub-account owner clicks the link to fill out their own business profile and upload their documentation directly to Xendit.
Depending on your preference, you can choose the option that fits best for each specific partner or merchant you onboard.
Key Capabilities
Once created, sub-accounts integrate deeply into your platform architecture, enabling you to:
Isolate Balances & Transact
Route payments and payouts directly to specific sub-accounts by passing their unique ID (for-user-id) in your API requests. Funds are held securely in their isolated balance.Automate Revenue Splits
Set up split-payment rules to automatically deduct your platform fee or commission from incoming transactions before forwarding the remaining balance to the sub-account.
Flexible Dashboard Access
Choose whether to keep the sub-account entirely background-driven, or grant the sub-merchant access to their own Xendit Dashboard view so they can monitor their sales, download statements, and track payouts.