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Splits

When you process a payment or refund, the funds often need to flow to multiple parties (seller, platform, payment processors, or other stakeholders). Splits allow you to distribute these funds across different accounts without calculating each party's share upfront. You define how much each party receives, and Getpaid automatically calculates and distributes the amounts.

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Currently, splits are applied uniformly across all payment methods. Future support for pricing plans and per-payment-method splits is planned. If you require splits that vary by payment method, please contact support@getpaid.io to discuss your requirements.

There are three ways to define a split:

  • Fixed: allocate a specific amount (in the payment currency's minor unit) to an account. Use this when you know the exact amount a party should receive.
  • Percentage: allocate a percentage of the total amount to an account. Use this for commissions or when the split should scale with the payment amount.
  • Remaining: allocate whatever amount is left after all other splits. Use this to ensure the full amount is distributed without manual remainder calculations. Only one account per transaction can have a remaining split.

How splits work​

You typically combine all three split types in a single split configuration. For example, you might:

  • Give a fixed 1€ fee for an intermediary.
  • Get a 5% to your platform.
  • Give the rest to the seller.

Getpaid processes these in order, ensuring amounts round correctly and the full payment is distributed. If rounding creates small discrepancies, Getpaid adjusts amounts intelligently to reach the exact total.

Calculation details​

Getpaid calculates splits in this order to ensure accuracy and proper rounding:

  1. Fixed splits are deducted first: accounts with fixed amounts receive their exact allocation immediately.
  2. Percentage splits are calculated: percentages apply to the total amount with extended precision to minimize rounding errors.
  3. Amounts are rounded: calculated amounts round to the currency's precision (see rounding guide for details).
  4. Remaining split is resolved: the remaining account receives whatever amount is left after all other splits.

Handling rounding discrepancies​

In rare cases, rounding individual amounts may create tiny discrepancies where the sum doesn't exactly equal the total. When there's no remaining split to absorb this difference, Getpaid adjusts amounts in this priority order:

  1. The account with the largest percentage.
  2. Then by account type: platform, seller, other parties.
  3. Finally, by account ID (alphabetically).

This ensures deterministic, fair distribution without bias toward any particular account.

Processing fees​

In addition to splitting the payment amount, you can distribute processing fees (like payment processor costs) across the same accounts.

Each account specifies what percentage of the total processing fee they cover via a processing_fee percentage value. The sum of all processing_fee percentages must equal 100%. This ensures all fees are accounted for and distributed fairly among the parties involved.