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Split at authorization

Learn how to split a transaction at the time of payment.

When accepting an online payment, you can split the payment amount between the balance accounts in your platform. This allows you to separately book the sale amount, your platform's commission, transaction fees, and the leftover amount after currency conversion.

If you configured stores in your merchant account, you can automatically direct funds and book fees to predefined balance accounts.

Route the payment to your user's store

Your users have their own unique connection to the card schemes, represented by their stores in your platform. When processing payments for your users, you need to direct each payment to the appropriate store.

When making a payment request, send the store field with the reference of the store to which you want to route the payment.

This reference is the same that you provided when creating the store. You can get it by making a GET /merchants/{merchantId}/stores request, or navigating to In-person payments > Stores in your Customer Area.

While you can split a payment across multiple balance accounts, you can only process it through a single store

Split a payment between balance accounts

To split the payment amount at the time of payment, add a splits array to your POST /payments or POST /sessions request.

For each item in the array, specify the following fields:

Parameter Required Description
account -white_check_mark- The account that will receive (or be charged) the split amount. This is the balanceAccountId of one of your user's balance accounts or your platform's liable balance account. You don't need to specify this field when type is Commission.
amount.currency -white_check_mark-
Required for currency conversion
The currency of the part of the payment you want to the specified account.
amount.value -white_check_mark- The value of the part of the payment you want to the specified account. You do not need to specify this field for transaction fees or the remainder, because they are not known at the time of payment.
type -white_check_mark- Defines the part of the payment you want to book to the specified account.
Possible values:
  • BalanceAccount: books the sale amount to the specified balance account.
  • Commission: books your commission to your liable balance account.
  • Remainder: books the amount left over after a currency conversion to the specified balance account. By default, the amount is booked to your platform's liable balance account.
  • We recommend that you also include at least one transaction fee type in your request. All undefined transaction fees are booked to your platform's liable balance account.
reference -white_check_mark-
Required if type is BalanceAccount
Your unique identifier for the part of the payment you want to book to the specified account. You need this for reconciliation, as explained under Best practices.
description Your description for the part of the payment you want to booking to the specified account, returned in our reports.

Here is an example of how you can split the payment amount at the time of payment, when a customer pays EUR 400.00.

  • EUR 396.00 is booked to your user's balance account as payment for the goods or service.
  • EUR 4.00 is booked to your liable balance account as your platform's commission.
  • All transaction fees are booked to your user's balance account, deducted from the sale amount.

In the response, note that your reference from the request is returned as the merchantReference. You need this information for reconciliation, as explained under Best practices.

Best practices

We strongly recommend sending a reference for all split types. You can use the reference to reconcile the split amounts in the transaction overview and in the reports. Without a reference, the split amounts are aggregated in a single entry and you will be unable to reconcile the transactions.

If you do not know the split amounts at the time of payment, you can provide split data at capture instead. Split data provided at capture overrides any split data provided with the initial payment request. However, we recommend that you provide the split information at the time of payment, rather than at capture. Because some payment methods do not support delayed captures, the funds may not be booked correctly unless the split data is provided in the payment request.

The API request validates only the format of the split data, not the balance accounts specified in the request. This means that even if the payment, capture, and refund is successful, it is possible that the funds are not credited to/deducted from the specified balance account. If the balance account does not exist, or it is linked to an account holder with a closed status, the full transaction (sale amount, commission, and fees) is booked to your platform's liable balance account.

To correct the balances, you can transfer the funds between the balance accounts in your platform.

See also