# Overview

Accepted payments go into an account. You can withdraw or transfer funds from one account balance to another.

## What you can do with an account

* **Split payment** - Divide and send funds from your account to your vendors' accounts.
* **Real-time Balance** - See in real-time the amount of funds you and your vendors have.
* **Bank transfers** - Send money to bank accounts (Using [Payout](https://docs.unipaas.com/docs/payouts) Object).

![3256](/images/871a8f7-Account_Fees.png "Account Fees.png")

## Before You Begin

* The account Object collects and stores money from shoppers' PayIn. Please make sure that you have already completed the [Payin](http://google.com) integration. 
* Please make sure you have the identity of the entity you want to attach to the account.
* Make sure to implement account webhooks so you will get notified about your vendors activity

> 📘
>
> Account balances (both platform's and platform vendors) are unique per vendor, per currency.\
> For example: Only one USD account balance can be created for a platform. Multiple USD account balances can be created for platform's vendors. As a platform, you can create a USD account balance for each vendor (but you can't created 2 USD account balances for a specific vendor).

## The Account Object

### Account Owner

An account is always linked to an account owner: a platform or a platform's vendor.\
In the account object, vendorId will be defined when you're dealing with your vendor's accounts. Otherwise (when vendorId doesn't exist), it's your (platform) account.

### Account Currency

Account currency is one of the following: GBP, USD, EUR.

### Account Balances

In order to provide visibility into all of your (and your vendors) funds in real time, the account contains multiple balance types: pending, payable, and reserve. 

### Account properties

<table>
  <thead>
    <tr>
      <th>
        Parameter
      </th>

      <th>
        Type
      </th>

      <th>
        Description
      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        `vendor_id`
      </td>

      <td>
        String
      </td>

      <td>
        Defined only for vendor's accounts
      </td>
    </tr>

    <tr>
      <td>
        `ewallet_id`
      </td>

      <td>
        String
      </td>

      <td>
        Unique id of an account
      </td>
    </tr>

    <tr>
      <td>
        `currency`
      </td>

      <td>
        Enum
      </td>

      <td>
        Account currency: USD, EUR, GBP
      </td>
    </tr>

    <tr>
      <td>
        `pending_balance`
      </td>

      <td>
        Number
      </td>

      <td>
        Funds that have been collected but have not yet been settled
      </td>
    </tr>

    <tr>
      <td>
        `payable_balance`
      </td>

      <td>
        Number
      </td>

      <td>
        Available funds for immediate use
      </td>
    </tr>

    <tr>
      <td>
        `reserve_balance`
      </td>

      <td>
        Number
      </td>

      <td>
        Required balance to cover chargebacks, returns, and other fees
      </td>
    </tr>
  </tbody>
</table>

## The Account Transaction Object

<table>
  <thead>
    <tr>
      <th>

      </th>

      <th>

      </th>

      <th>

      </th>
    </tr>
  </thead>

  <tbody>
    <tr>
      <td>
        `ewallet_transaction_id`
      </td>

      <td>
        String
      </td>

      <td>
        Unique id of an account transaction
      </td>
    </tr>

    <tr>
      <td>
        `ewallet_id`
      </td>

      <td>
        String
      </td>

      <td>
        Unique id of an account
      </td>
    </tr>

    <tr>
      <td>
        `pending_amount`
      </td>

      <td>
        Number
      </td>

      <td>
        Funds that have been collected but have not yet been settled
      </td>
    </tr>

    <tr>
      <td>
        `payable_amount`
      </td>

      <td>
        Number
      </td>

      <td>
        Available funds for immediate use
      </td>
    </tr>

    <tr>
      <td>
        `reserve_amount`
      </td>

      <td>
        Number
      </td>

      <td>
        Required balance to cover chargebacks, returns, and other fees
      </td>
    </tr>
  </tbody>
</table>