Splitting payment is ideal for Marketplaces as it allows you to split payments between services/sales location (over different merchants). This makes it possible for your customers to purchase goods from multiple sellers in a single basket.

A marketplace platform can split the payment between various parties, and even choose to retain a portion of the funds in their own balance as a fee. You can spilt funds to a single party or to multiple parties. There is currently no limit on how many splits can be created for a single payment.

How to create a split payment

Use (at least) the following payload in the Order:Create API

{
    "serviceId": "SL-6515-0300",
    "reference": "REF1234",
    "description": "Split payment transactions",
    "amount": {
        "value": 1000,
        "currency": "EUR"
    },
    "splitPayments": [
        {
            "serviceId": "SL-1390-9723",
            "fee": "receiver",
            "amount": {
                "value": 250,
                "currency": "EUR"
            }
        },
        {
            "serviceId": "SL-4567-1234",
            "fee": "receiver",
            "amount": {
                "value": 250,
                "currency": "EUR"
            }
        }
    ]
}

In the example above a 10 EUR single payment is created for SL-6515-0300 (from Merchant A) and two splits are requested:

• EUR 2,50 for SL-1390-9723 from Merchant B
• EUR 2,50 SL-4567-1234 from Merchant C

This results in a 10 EUR being added to the funds Merchant A (since Merchant A) is the owner of the transaction, but 2x EUR 2,50 is deducted and added to the funds of Merchant B and merchant C.

The recipe below, gives you a detailed instruction how to create a split payment.

Invoicing

By default the fee for a split payment is being charged to the receiver of a split payment. If you (as a marketplace e.g.) wants to pay for the fees, use the following payload;

{
    "serviceId": "SL-6515-0300",
    "reference": "REF1234",
    "description": "Split payment transactions",
    "amount": {
        "value": 1000,
        "currency": "EUR"
    },
    "splitPayments": [
        {
            "serviceId": "SL-1390-9723",
            "fee": "sender",
            "amount": {
                "value": 250,
                "currency": "EUR"
            }
        }
    ]
}

Insights in split payments

For the transaction owner (the sender)

When a transaction is executed with a split payment the transaction becomes visible for the transaction owner in the transaction overview. If you open the details you see the following information in the moneyflow table.

In the example you see an ideal transaction for EUR 0,03 which has been splitted into 2x EUR 0,01.

In the statistics overview (/statistics/sessions) you see the following records for this transaction

Indicating that the iDEAL transaction of EUR 0,03 is added to your balance (and you will be charged EUR 0,25 for this iDEAL transaction), but 2x EUR 0,01 is deducted from your balance.

The costs for the split payments are set to EUR 0,00.

For the receivers

The transaction will not become visible in the transaction overview; since the receiver(s) of a spilt payment is not the owner of the transaction. In the statistics overview (/statistics/sessions) for the receivers you see the following record:

Indicating in this case the EUR 0,01 will be added to your balance (and EUR 0,10 will be invoiced to the receiver).

Refunds and chargebacks

Refunds

Spilt payments can be both partially and fully refunded. Only the transaction owner (sender) can submit a request to refund with e.g. our Transaction:Refund API.

At the moment the amount to be refunded will be deducted from the balance of the transaction owner (sender). Its up to the transaction owner to handle this with the receiver(s) of the spilt payment.

Chargebacks

With regards to chargebacks, the transaction owner (sender) bears the risk of chargebacks. Its up to the transaction owner to handle this with the receiver(s) of the split payment.

📘

In the future will we will enhance the refund & chargeback process in relation to split payments. But for now it will be a separate /manual process for the transaction owner to handle this with the receiver(s) of the split payment.