With Enterprise issuing, you can issue cards for business purposes, such as to:
- Allow members of your team to pay for business-related expenses.
- Allow you to pay your business' suppliers.
- Offer card issuing as a service to other businesses.
These Adyen-issued cards are tied to, and funded by, the balance accounts in your balance platform. With Enterprise issuing, you do not acquire payments through Adyen, or split funds between your balance accounts.
For example, you have a food delivery company called Food Delivery. You want to issue cards for your delivery driver to pay for food orders at the restaurants.
Based on this use case, here is one of the simplest account structures you can have:
- A company account (FoodDeliveryLLC) that represents your business entity.
- One merchant account (FoodDelivery_US) for billing purposes. If you process online or in-person payments with Adyen, the processed funds are settled on this merchant account.
- A balance platform called FoodDelivery_BalancePlatform, which has:
- A liable account holder for your business.
- A liable balance account to hold the funds of your business in your balance platform.
- For your cardholder:
- An account holder defining your cardholder's capabilities for using Adyen-issued cards.
- A balance account to hold the funds available for an Adyen-issued card.
- A legal entity that contains information about your business.
- A transfer instrument that you can use to add funds to your liable balance account if needed.
- A legal entity that contains information about your cardholder.
- A payment instrument connected to the cardholder's balance account. When your cardholder uses Adyen-issued cards to pay for food orders, the payment funds are deducted from the cardholder's balance account.
The following diagram shows how these resources are connected:
