Split payments —
a flexible tool
for managing
cash flows
Split payments is a technology
that automatically distributes
a customer’s payment
among multiple recipients
at the moment of payment
Easy integration
Split data is sent together
with the payment in a single
transaction
Lower
operating
costs
Automation reduces
the cost of handling
transactions manually
Transparent
payout model
Once the payment is made,
no additional monitoring
of the process is needed
Split payments —
a flexible tool
for managing
cash flows
Split payments is a technology that automatically
distributes a customer’s payment among
multiple recipients at the moment of payment
Easy integration
Split data is sent together
with the payment in a single
transaction
Lower
operating
costs
Automation reduces
the cost of handling transactions
manually
Transparent payout
model
Once the payment is made, no
additional monitoring
of the process is needed
Split payments —
a flexible tool
for managing
cash flows
Split payments is a technology that automatically distributes a customer’s payment among multiple recipients at the moment of payment
Easy
integration
Split data
is sent together
with the payment in a single
transaction
Advanced split
payments
workflow
Depending on the business processes of the aggregator merchant and the chosen acquiring bank, payment and split data can be consolidated to generate the payment order register in one of the following ways: on Payture’s side, on the acquiring bank’s side or on the aggregator merchant’s side.
Customer
Builds a “payment cart” on the aggregator merchant’s website
Customer
Clicks the “Pay” button and enters card details
Aggregator merchant
Sends payment and split data to Payture to process the transaction and generate the payment order register
Acquiring bank
At the end of the business day (00:00 Moscow time), the bank consolidates payments in a transit account based on data from the processing center
Payture billing
On the next business day, generates the payment (order) registry and sends it to the bank
Acquiring bank
Based on the received registry, distributes settlements to suppliers and sends the registry to Payture
Payture reporting service
Sends the aggregator merchant information (a registry) on amounts credited to subscriber accounts
Customer
Builds a “payment cart” on the aggregator merchant’s website
Customer
Clicks the “Pay” button
and enters card details
Aggregator merchant
Sends payment and split data
to Payture to process
the transaction and generate
the payment order register
Acquiring bank
At the end of the business
day (00:00 Moscow time), the bank
consolidates payments in a transit
account based on data
from the processing center
Payture billing
On the next business day,
generates the payment (order)
registry and sends it to the bank
Acquiring bank
Based on the received registry,
distributes settlements
to suppliers and sends the registry
to Payture
Payture reporting service
Sends the aggregator merchant
information (a registry) on amounts
credited to subscribers’ personal
accounts
Customer
Builds a “payment cart” on the aggregator merchant’s website
Customer
Clicks the “Pay” button and enters card details
Aggregator merchant
Sends payment and split data to Payture to process the transaction and generate the payment order register
Acquiring bank
At the end of the business day (00:00 Moscow time), the bank consolidates payments in a transit account based on data from the processing center
Payture billing
On the next business day, generates the payment order register and sends it to the bank
Acquiring bank
Based on the received registry, distributes settlements to suppliers and sends the registry to Payture
Payture reporting service
Sends the aggregator merchant information (a registry) on amounts credited to subscriber accounts
who it’s for
Split payments for marketplaces and platforms
building a reliable payment ecosystem
Marketplaces
Management
and franchise
companies
Travel
companies
Housing and utility
companies
Affiliate
programs
Educational
platforms
who it’s for
Split payments for marketplaces
and platforms building a reliable
payment ecosystem
companies
and franchise
companies
companies
programs
platforms
who it’s for
Split payments
for marketplaces
and platforms
building a reliable
payment ecosystem
payment methods
Payment methods
supported
by this solution
Choose the right tools
for your business: cut fees,
speed up payouts
and minimize risksOptimize your financial flows
with alternative solutions
for businessChoose the right
tools for your
business: cut
fees, speed up
payouts and
minimize risks
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Accept online payments with modern payment methods in the currency you need on your website, marketplace, online store or app
FAQ
Still have questions?
We may have already answered them
Yes. Split payments divide the amount into several parts and send the settlements to different suppliers/counterparties.
Unfortunately, no. Split payments are available only to sole proprietors and companies (LLCs).
Yes, of course. You decide on the amount or percentage to be distributed among suppliers.
There are no limits.
The registry can be generated either by the aggregator merchant or by Payture.
The registry must include the date, bank details, amount, name of the legal entity (recipient), taxpayer ID (INN), name of the recipient’s bank, payment purpose, ID assigned by the bank, and tax regime.
