Esri supports creating composite locators containing custom locators that use the World Geocoding Service. It aims to support organizations that geocode against their own data or StreetMap Premium locators that rely on the ArcGIS Online World Geocoding service. If performing batch geocoding with a composite locator, and for records that match to the World Geocoding Service, the user must have a named user account as service credits are consumed based on usage.
Note: Whatever username is stored when creating the composite is used for every batch geocode and thus incurs the credit consumption.
To set up the custom locators in a composite locator: