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Embedded Finance · Split PaymentsOne customer payment, several people to pay.
Marketplaces take one payment and owe part of it to a seller, a partner or a service provider. Here is how that works in India, and how to do it with what Paynancial publishes today.
- Collect, then pay out
- Sellers and partners
- Single or bulk
- Every step recorded
Split payments divide one customer payment between several recipients — typically a marketplace and its sellers. Splitting a payment at the point of collection is not described as a Paynancial product on this site. What is published today: collect the payment through the Payment Gateway, then pay each seller or partner their share through Payouts — to bank accounts and UPI IDs, singly or in bulk — with every step recorded.
What split payments mean on Paynancial.
A customer pays a marketplace ₹1,000. The seller is owed ₹850, a delivery partner ₹50, and the marketplace keeps ₹100. Getting each party the right amount, at the right time, with a record that survives a refund or a dispute — that is the split payments problem.
With what Paynancial publishes today, you collect through the Payment Gateway, work out each share in your own system, and pay sellers and partners through Payouts — for many recipients at once with Bulk Payouts. Settlement records and payout reports keep both sides reconcilable.
- Splitting at the point of collection
- The regulatory position of your marketplace model
- Holding funds until an order is fulfilled
- Settlement timing for each party
Step by step.
- 01Collect
The customer pays through the Payment Gateway.
- 02Calculate the shares
Your platform works out what each seller and partner is owed.
- 03Wait for fulfilment
Release each share when your own rules say it is due.
- 04Pay out
Pay each share to a bank account or UPI ID, singly or in a batch.
- 05Reconcile
Match collections, settlements and payouts in your reports.
What you can build on now.
Collect-then-pay-out with published products — not split-at-collection.
- Collection
- Accept cards, UPI, netbanking and wallets through one integration.
- Payouts to each party
- Pay sellers and partners to bank accounts and UPI IDs.
- Bulk payouts
- Pay every seller for a period in one action.
- Refunds
- Refund the customer in full or in part against the original payment.
- Settlement records
- Every collection is tied to a settlement record.
- Reports
- Collections and payouts side by side for reconciliation.
Across the Paynancial platform.
Split Payments is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Payment Gateway | Collect from customers. See Payment Gateway. |
| Bulk Payouts | Pay every seller at once. See Bulk Payouts. |
| Partner Payments | Pay channel and business partners. See Partner Payments. |
| Reconciliation | Match both sides. See Reconciliation. |
Getting it right.
- 01Keep a ledger per party
Record every share, payout and refund against the seller or partner it belongs to.
- 02Pay on a cycle
Paying sellers in a regular batch is easier to reconcile than paying per order.
- 03Hold until fulfilment
Release a seller's share only once the order is delivered or accepted.
Split Payments questions.
What are split payments?
Dividing one customer payment between several recipients — typically a marketplace, its seller and sometimes a delivery or service partner.
Does Paynancial split payments at the point of collection?
Splitting at the point of collection is not described as a Paynancial product on this site. The published route is to collect through the Payment Gateway and pay each seller or partner their share through Payouts.
Do regulations affect marketplace payments?
A marketplace that collects money and passes it on to sellers can take on regulatory responsibilities. Paynancial will publish a summary only once verified against official sources; check your model with a compliance adviser and our team.
How do I pay many sellers at once?
With Bulk Payouts: submit a batch of payouts in one action and track each payout individually.
Ask about split payments.
This capability is not confirmed as a Paynancial product. Tell us what you need and our team will tell you what is available.