Multi-Party Payments

const account = await payaiml.accounts.create({
  type: 'express',
  country: 'US',
  email: 'vendor@example.com',
  capabilities: {
    card_payments: { requested: true },
    transfers: { requested: true },
  },
  business_type: 'individual',
  individual: {
    first_name: 'John',
    last_name: 'Doe',
    email: 'vendor@example.com',
  },
});

// Generate onboarding link
const accountLink = await payaiml.accountLinks.create({
  account: account.id,
  refresh_url: 'https://example.com/reauth',
  return_url: 'https://example.com/return',
  type: 'account_onboarding',
});

const paymentIntent = await payaiml.paymentIntents.create({
  amount: 10000, // $100.00
  currency: 'usd',
  payment_method_types: ['card'],
  // Platform keeps $5.00 as commission
  application_fee_amount: 500,
  // Transfer $95.00 to connected account
  transfer_data: {
    destination: 'acct_connected_account_id',
  },
  metadata: {
    order_id: '12345',
    vendor_id: 'vendor_123',
  },
});

// Or create separate transfers
const transfer = await payaiml.transfers.create({
  amount: 9500,
  currency: 'usd',
  destination: 'acct_connected_account_id',
  transfer_group: 'order_12345',
});