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  1. Payment Gateway APIs

About Split Settlement

This section provides a detailed exploration of split settlement, a feature that automates the distribution of funds from a single transaction to multiple recipients.

What is Split Settlement?#

Split settlement enables merchants to automatically distribute a single payment to multiple recipients based on predefined rules. These rules can specify fixed amounts or percentages, ensuring that each recipient receives their share without additional transactions.

Split Settlement Benefits#

Time Savings: Automates fund distribution, reducing manual intervention.
Accuracy: Ensures precise allocation according to the split rules, minimizing errors.
Scalability: Handles increased transaction volumes efficiently without added complexity.
User Experience: Provides a seamless payment experience for customers, as they only need to make one payment.

Who can use Split Settlement#

Split Settlement is particularly relevant for platforms and marketplaces where payments need to be distributed among sellers, partners, or the platform itself, such as in e-commerce, freelancing, or software-as-a-service (SaaS) models. The process eliminates the need for manual fund transfers, reducing administrative overhead and ensuring timely payouts.

Use Case: Freelancing Platform#

Lets consider a freelancing platform where clients hire developers for projects. When a client pays for a completed project, the platform needs to pay the developer and retain a commission for its services.
Without split settlement, the platform would:
1.
Receive the full payment from the client.
2.
Manually calculate the commission and the amount to be paid to the developer.
3.
Initiate separate transactions to pay each party, which is time-consuming and error-prone.
With split settlement, the platform can:
1.
Set up accounts for each developer and itself on EnKash platform.
2.
Define a split rule, such as 90% to the developer and 10% to the platform.
3.
When the client makes the payment of INR 1000, EnKash gateway automatically splits and settles the funds, ensuring the developer receives INR 900 and the platform INR 100 instantly and accurately.

How Split Settlement Works#

1
Account Setup
The merchant (platform) sets up accounts for all recipients in the transaction. These accounts are identified by unique Split Account IDs
2
Define Split Rules
The merchant (platform) defines how the payment should be split.
The split can be based on:
Fixed amounts: e.g., INR 500 to developer, INR 500 to platform for a INR 1000 payment.
Percentages: e.g. 90% to developer, 10% to platform. INR 900 to developer, INR 100 to platform for a INR 1000 payment.
3
Payment Creation
When a payment is initiated, the merchant includes the split details in the payment request.
4
Fund Distribution
EnKash processes the payment and distributes the funds to the respective accounts as per the split rules, ensuring settlements are completed in one transaction.
Modified at 2025-05-27 20:27:13
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