AI-Powered Financial InfrastructureGlobal PaymentsSecure & Trusted
Embedded Finance · Split PaymentsMarketplaces take one payment and owe part of it to a seller, a partner or a service provider. Here is how that works in India, and how to do it with what Paynancial publishes today.
Split payments divide one customer payment between several recipients — typically a marketplace and its sellers. Splitting a payment at the point of collection is not described as a Paynancial product on this site. What is published today: collect the payment through the Payment Gateway, then pay each seller or partner their share through Payouts — to bank accounts and UPI IDs, singly or in bulk — with every step recorded.
A customer pays a marketplace ₹1,000. The seller is owed ₹850, a delivery partner ₹50, and the marketplace keeps ₹100. Getting each party the right amount, at the right time, with a record that survives a refund or a dispute — that is the split payments problem.
With what Paynancial publishes today, you collect through the Payment Gateway, work out each share in your own system, and pay sellers and partners through Payouts — for many recipients at once with Bulk Payouts. Settlement records and payout reports keep both sides reconcilable.
The customer pays through the Payment Gateway.
Your platform works out what each seller and partner is owed.
Release each share when your own rules say it is due.
Pay each share to a bank account or UPI ID, singly or in a batch.
Match collections, settlements and payouts in your reports.
Collect-then-pay-out with published products — not split-at-collection.
Split Payments is not a separate system — it runs through the products and tools you already use.
| Where | What you get |
|---|---|
| Payment Gateway | Collect from customers. See Payment Gateway. |
| Bulk Payouts | Pay every seller at once. See Bulk Payouts. |
| Partner Payments | Pay channel and business partners. See Partner Payments. |
| Reconciliation | Match both sides. See Reconciliation. |
General information only. Not legal, tax, financial or regulatory advice.
A plain-language guide to the frameworks that may apply. General information only. Not legal, tax, financial or regulatory advice. It is not a statement of Paynancial's own licences or authorisations.
RBI's framework for payment aggregators — businesses that collect payments on behalf of merchants — covering authorisation, merchant due diligence, how merchant funds are held and settled, and grievance handling.
Customer due diligence obligations for RBI-regulated entities. Payment aggregators apply due diligence to the merchants they onboard.
Covers the time within which failed digital transactions — for example, a customer debited without the merchant being credited — are expected to be reversed or resolved across authorised payment systems such as UPI, cards and IMPS, and compensation to the customer when that time is missed.
Covers how authorised payment system operators and participants offer customers an online, rule-based way to raise and resolve disputes and grievances about digital payments.
Regulators update these rules by circular, so always check the current text at the source: Reserve Bank of India · NPCI. For Paynancial's own security and compliance posture, see the Trust Center.
Record every share, payout and refund against the seller or partner it belongs to.
Paying sellers in a regular batch is easier to reconcile than paying per order.
Release a seller's share only once the order is delivered or accepted.
Dividing one customer payment between several recipients — typically a marketplace, its seller and sometimes a delivery or service partner.
Splitting at the point of collection is not described as a Paynancial product on this site. The published route is to collect through the Payment Gateway and pay each seller or partner their share through Payouts.
A marketplace that collects money and passes it on to sellers can take on regulatory responsibilities. Paynancial will publish a summary only once verified against official sources; check your model with a compliance adviser and our team.
With Bulk Payouts: submit a batch of payouts in one action and track each payout individually.
This capability is not confirmed as a Paynancial product. Tell us what you need and our team will tell you what is available.
Discuss your payment and financial infrastructure requirements.
