Process Payments

Overview of how to process payments between you and your sellers

After you onboard yourself and your sub-merchant successfully, you might start processing payments between you two.

About processing merchant

The processing_merchant is the merchant designated to process the payment. Key points:

  • 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 parties.
  • The processing_merchant pays the KOMOJU Processing Fee for each captured payment.

In Seller Processing Model (for Platform Use Case), the processing_merchant's platform_role must be seller.

In Platform Processing Model (for Marketplace Use Case), the processing_merchant's platform_role must be platform.

Actions on a payment

From a Payment perspective, several kinds of actions can be executed by Platform Merchant via KOMOJU APIs or dashboard:

  • Create a Payment
  • Two-step Capture (for Credit Card payments)
  • Create a Reverse Refund
  • Create a Reverse Refund Request
  • Create a Non-Reverse Refund
  • Create a Non-Reverse Refund Request

Seller Processing Model for Platform Use Case

If Platform Use Case applies to your business, you'll have to adopt "Seller Processing Model" to process payments because Seller Merchant is the Processing Merchant. Therefore, a payment is processed under Seller Merchant's account.

Learn more details:

Platform Processing Model for Marketplace Use Case

In contrast, if Marketplace Use Case applies to your business, you'll have to adopt "Platform Processing Model" to process payments because Platform Merchant is the Processing Merchant. Therefore, a payment is processed under Platform Merchant's account.

Learn more details:

Balance Transfer

From a Balance perspective, two kinds of actions can be triggered by Platform Merchant via KOMOJU APIs:

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

Learn more details: