Overview

xenPlatform is a payment solution for platform businesses that need to manage funds for multiple merchants. Think of it like a central hub for handling all your platform's payment needs.

xenPlatform enables your business to:

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

This simplifies complex payment flows for businesses like:

Marketplaces: E-commerce platforms with multiple sellers.
SaaS Platforms: Subscription services with various vendors.
Brick-and-mortar: Businesses operating multiple physical stores with unified payment systems.
Other platforms: Any business model with multiple partners receiving funds.

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:

Creating a sub-account
Managing their payments
Monitoring their transactions
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	Owned sub-accounts to onboard merchants at-scale	Accept payments on behalf of your merchants by using our hosted checkout solution for easy integration Create Split Fees to automate charging commissions per transaction Disburse funds to your merchants’ bank accounts
Point-of-Sale Platforms	ESB, Raptor POS	Managed sub-accounts to allow merchants to manage their own payments	Accept payments on behalf of your Partners by building your own payment page with our range of payment options via API Create Split Fees to automate charging commissions per transaction Merchants can withdraw their own funds to their bank accounts
Payment Service Providers	Helixpay, Tazapay	Sub-account types are determined based on onboarding policies and license requirements	Accept payments on behalf of your Partners by building your own payment page with our range of payment options via API Create Split Fees to automate charging commissions per transaction Pay out or allow merchants to withdraw their own funds
Conglomerates	XL, Ciputra Group	Managed sub-accounts to allow branches and subsidiaries to manage their own payments	Each branch or subsidiary operates their own dashboard to accept payments from customers, monitor transactions and withdraw. Use Transfers to move balances from subsidiaries to the Platform account as needed.