Split payment handling

Purpose

1. Enable split payment processing for multi-vendor or commission-based sales in an adult DVD retail store.

2. Automatically calculate, allocate, and distribute sales proceeds to suppliers, affiliates, or stakeholders after each transaction.

3. Ensure regulatory compliance, real-time transparency, and minimize manual errors or delays in payment handling.

4. Support seamless customer checkout experience whether in-store or online, regardless of payment method.

Trigger Conditions

1. New order with items from one or more vendors or partners.

2. Successful payment authorization at checkout (POS, eCommerce, phone order).

3. Refund or partial refund event requiring adjustment of previous splits.

4. End-of-day batch processing for orders not instantly settled.

5. Commission report or affiliate sales reconciliation request.

Platform Variants

1. Stripe

• Feature/Setting: Stripe Connect “Destination Charges”; Configure split amounts and partner accounts in API call.
  
• Sample: `transfer_data[amount]`, `transfer_data[destination]` in `/v1/payment_intents` API.
  

2. PayPal

• Feature/Setting: PayPal Payouts API for multi-partner disbursement; configure approved receivers and split amounts.
  
• Sample: `sender_batch_header`, `items[receiver]` in `/v1/payments/payouts` API.
  

3. Square

• Feature/Setting: Square Orders API with service charges, custom line splits for vendors.
  
• Sample: `order[service_charges]` in `CreateOrder` API.
  

4. Adyen

• Feature/Setting: Adyen MarketPay Split API; define split rules per line item/vendor.
  
• Sample: `split.type`, `split.amount`, `split.account` in `/v1/payments` request.
  

5. Braintree

• Feature/Setting: Braintree Marketplace; sub-merchant split configuration in transaction API.
  
• Sample: `merchant_account_id`, `service_fee_amount` in payment call.
  

6. Mollie

• Feature/Setting: Mollie Payments Partner Payment API; create split per partner on order.
  
• Sample: `partners.paymentDistribution` in payments endpoint.
  

7. Razorpay

• Feature/Setting: Razorpay Route; add vendor accounts, configure split logic for each order.
  
• Sample: `transfers` array in `orders` creation.
  

8. Amazon Pay

• Feature/Setting: Amazon Pay Multi-Seller Disbursement API; define sub-merchant split setup.
  
• Sample: `SellerId`, `SplitAmountList` in payment order request.
  

9. Worldpay

• Feature/Setting: Worldpay Marketplace for Partner split payments; define child accounts per vendor.
  
• Sample: `TransferTo` details in payment settlement API.
  

10. Paddle

• Feature/Setting: Paddle’s Vendor Split Payments; set up multi-vendor payout structure in subscription/bundle.
  
• Sample: `payouts`, `split_revenue_percentage` in product settings or API calls.
  

11. Shopify

• Feature/Setting: Shopify Scripts & Shopify Payments Integration with third-party Split Pay app/API (e.g., MESA, PayWhirl).
  
• Sample: Configure “split rules” per product/vendor in app.
  

12. WooCommerce

• Feature/Setting: WooCommerce with Multi-Vendor Marketplace and Stripe Split Pay extension.
  
• Sample: Define commission rates and recipient accounts in plugin settings.
  

13. Xero

• Feature/Setting: Xero API-linked Split Payment add-ons or Zapier with Xero; automate invoice line allocations.
  
• Sample: Configure “tracking categories,” automate split bill creation.
  

14. QuickBooks

• Feature/Setting: QuickBooks Payments with Multi-Split add-on; automatically split sales receipts/bills.
  
• Sample: Configure “split mapping” per product/vendor in synced workflow.
  

15. Dwolla

• Feature/Setting: Dwolla Mass Payments API; configure receivers and split allocation.
  
• Sample: `items[amount, destination]` in `/mass-payments` endpoint.
  

16. GoCardless

• Feature/Setting: GoCardless with partner workflow; auto-split received direct debit payments using scheduling and notification APIs.
  
• Sample: “payouts” logic via webhook event on payment collection.
  

17. Wise (Transferwise)

• Feature/Setting: Wise Batch Payments API; schedule and execute batch split payouts by CSV or API call.
  
• Sample: “recipients—amount” mapping in batch API.
  

18. Revolut Business

• Feature/Setting: Revolut Business Payments API; configure instant fund distribution among vendors.
  
• Sample: `counterparties`, `transfers` endpoints with amount per payee.
  

19. NetSuite

• Feature/Setting: NetSuite SuiteScripts/AudiSplit integrations for auto-allocation of order proceeds.
  
• Sample: “Revenue Allocation Schedules” automation in SuiteScript runtime.
  

20. SAP

• Feature/Setting: SAP ERP Fiori App or SAP BTP API for split billing and payment allocation rules.
  
• Sample: Script split logic in “Fiori custom application”—pass split parameters in payment payload.
  

21. Zoho Books

• Feature/Setting: Use Zoho API “Invoices with Multiple Contacts,” automate split based on items/category.
  
• Sample: Configure custom function in Zoho Deluge to trigger split transaction.
  

22. Klarna

• Feature/Setting: Klarna Partner API with Merchant Settlement; set up auto split per SKU or vendor.
  
• Sample: Split mapping in merchant dashboard/API.
  

Benefits

1. Eliminates manual payment allocation errors and delays.

2. Improves vendor/affiliate trust with automatic, timely payouts.

3. Enables scaled multi-partner operations with minimal admin overhead.

4. Maintains compliance and audit trail for transaction splits.

5. Customizable to any partner structure, supporting future business growth.