What is a split payment?¶

A split payment divides funding across sources or settlement across recipients. The term must be tied to the stage where the split occurred.

Funding and payout splits differ¶

A buyer may combine cards, gift balance and wallet, or deposit and balance. A marketplace or processor may divide one customer charge among sellers, fees and tax. Each component can have separate ID, time, status and provider.

One component may fail or reverse, and refunds may return to original sources separately. Contributors and recipients need not be the same people.

Map every component¶

Preserve overall order or checkout and component references. Establish who created the split, allocation rules, successful amounts, fees, destinations and returns.

Trace source to destination rather than treating the displayed total as one movement, and report whether split occurred at funding, processing or settlement.