Once you have successfully onboarded both yourself and your sub-merchants, you can start processing payments between your account and theirs.

About the Processing Merchant

The processing_merchant is the entity responsible for processing payments. Key points include:

• The processing_merchant is equivalent to the MoR (Merchant of Record).
• The processing_merchant's credentials will be used to process the payment request.
• The processing_merchant is first credited with the payment amount and then transfers the required amounts to the other specified participants.
• The processing_merchant is responsible for paying the KOMOJU Processing Fee for each captured payment.

In the Seller Processing Model (for Platform Use Case), the processing_merchant is the Seller Merchant.

In the Platform Processing Model (for Marketplace Use Case), the processing_merchant is the Platform Merchant.

Actions for a payment

The Payment function enables the Platform Merchant to execute various actions via the KOMOJU APIs or the dashboard:

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Subscription is not supported

KOMOJU Platform Model only supports one-time payments and does not accommodate subscription-based payments.

Seller Processing Model for Platform Use Case

If the Platform Use Case applies to your business, you should adopt the Seller Processing Model. In this model, the Seller Merchant acts as the Processing Merchant, meaning payments are processed under the Seller Merchant's account.

For more information, visit:

• Seller Processing Model (for Platform Use Case)

Platform Processing Model for Marketplace Use Case

If the Marketplace Use Case applies to your business, you should adopt the Platform Processing Model. In this case, the Platform Merchant acts as the Processing Merchant, so payments are processed under the Platform Merchant's account.

For more information, visit:

• Platform Processing Model (for Marketplace Use Case)

Balance Transfer

Using the Balance function, the following actions can be triggered by the Platform Merchant via the KOMOJU API:

• Transfer balance from the Platform Merchant to a sub-merchant
• Transfer balance from a sub-merchant to the Platform Merchant

For more details, visit:

• Balance Transfer