Processing accounts

If not you but your sellers are the first point of contact for customers to answer questions and handle complaints about payments, the card schemes consider your seller to be the merchant of record. If this is the case, you are required to provide with every payment request the processing_account_id field where the value is the account_id of your seller, the merchant of record.

Example

To indicate that another account is the processing account, include the top-level processing_account_id property to the payment request. After you have done that, Rootline handles the complexity of routing the transaction to the network in the correct way.

Request
Response

POST /payments
curl 'http://payment-api.staging.rootline.com/v1/payments' \
  --request POST \
  --header 'content-type: application/json' \
  --header 'x-api-key: [paste-your-api-key]' \
  --header 'rootline-version: 2024-04-23' \
  --data '{
    "account_id": "[platform-account-id]",
    "reference": "your-reference",
    "amount": {
        "currency": "EUR",
        "quantity": "10.00"
    },
    "return_url": "https://rootline.com/[PAYMENT_ID]",
    "processing_account_id":"[hotel-account-id]",
    "splits": [
        {
            "account_id": "[hotel-account-id]",
            "amount": {
                "currency": "EUR",
                "quantity": "10.00"
            },
            "reference": "your-reference"
        }
    ]
}'

{
    "id": "pmt_12HnRked1N2kTTWHomseno",
    "object": "payment",
    "created_at": "2025-02-21T09:22:45.860981Z",
    "account_id": "platform-account-id",
    "reference": "your-reference",
    "amount": {
        "currency": "EUR",
        "quantity": "10.00"
    },
    "checkout_status": "open",
    "next_action": {
        "checkout_url": "https://checkout.staging.rootline.com/payments/pmt_12HnRked1N2kTTWHomseno/checkout"
    },
    "return_url": "https://rootline.com/pmt_12HnRked1N2kTTWHomseno",
    "processing_account_id":"hotel-account-id",
    "splits": [
        {
            "account_id": "hotel-account-id",
            "amount": {
                "currency": "EUR",
                "quantity": "10.00"
            },
            "reference": "your-reference",
            "id": "pmt_12HnRked1N2kTTWHomsenp"
        }
    ]
}

Example​

Example