Split Payments & Mixed Shopping Carts

Distribute Payments Across Multiple Vendors & Stakeholders

Payment processing soon gets complicated when several parties are involved. secupay automatically splits payments between the parties involved, taking fees, commissions, and other amounts into account.

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The Benefits to You

More Control over Complex Payment Flows and Payouts

secupay’s payment splitting automates complex payment flows and keeps a clear record of how funds are distributed. This helps you keep track of payments, even when several parties are involved.

Flexible Rules for Splitting Payments

Set different shares of each payment, with individual commission and fee arrangements for the parties involved.

Shares, commissions and fees, for example, can vary by product or item in the shopping cart.

Include Multiple Stakeholders

Distribute shares of payments to vendors, platform operators, and other parties, such as intermediaries, influencers, or sales partners.

Automatic Distribution of Payment Shares

The system applies the defined shares during payment processing and assigns each one to the relevant recipient.

Clear Records of Payment Flows

Track and analyse payments, payment splits, commissions, payouts, and refunds, with structured data for each.

Less Work

Automated payments and payouts reduce manual accounting work and the risk of errors.

Fits Your Platform’s Processes

Use an API or SDK to integrate splitting rules, participant data, payments, and status information into existing systems.

Our Solution

Keep Track of Payments across Multiple Parties

From setting the rules to automating payouts, secupay makes payment splitting and stakeholder payments quick and easy to set up.

Define Stakeholders and Their Shares

Decide who receives a share of each payment and how much they receive.

Split Payments Automatically

secupay splits incoming payments among the intended recipients according to the values supplied.

Account for Fees and Commissions

Fees, commissions, and other amounts due can be included in the split and settled during payment processing.

Automate Payouts

Each amount is assigned to the recipient entitled to it and paid out as specified.

One Checkout for Multiple Vendors

Reliable Payment Splitting for Mixed Shopping Carts

Mixed shopping carts are a specific form of payment splitting: Customers can order products or services from different vendors together and pay in a single transaction. secupay works out how much each recipient receives and distributes the money in the background.

More Convenience for Your Customers

One shopping cast, one order, one payment: customers pay without switching between vendors or going through separate payment processes. This makes online shopping simpler.

Automatic Distribution

Each item is assigned to the relevant vendor, with payment shares distributed automatically. Individual commissions and fees can also be taken into account.

Adjust Payments When the Shoping Cart Changes

If an item is cancelled or returned, secupay adjusts the amounts due to the affected recipients – including commissions, fees, and payments to vendors.

Flexible Integration via API or SDK

Integrate Split Payments Seamlessly into Your Platform

The secuconnect API and client SDKs let you integrate payment processing and splitting directly into existing platforms and applications.

REST API for direct integration
Client SDKs for quick integration
A staging environment for testing before launch
Technical documentation and integration support

secuOffice

A Complete Picture of Activity on Your Platform

secuOffice helps you keep track, even when payment flows are complex: You can see how payments are split, track commissions, payouts, and refunds, and analyse the data systematically at any time.

Free to use
View transactions, payment statuses, and stakeholder shares
Track commissions, fees, and payouts
Check refunds and corrections
Export payment data for use in other systems

secuOffice makes it easy to set up and manage payment arrangements involving multiple parties.

Use Cases

For Multi-Vendor Platforms and Businesses That Split Payments

secupay makes it easy to automate the distribution of payments to multiple recipients or stakeholders.

Marketplaces

Distribute revenue among merchants, platform operators, and other parties. secupay supports mixed shopping carts, assigns each item to its vendor, and automatically accounts for platform fees and commissions.

Investment Platforms

Set up payment and payout schedules for investors, project owners, and platform operators. secupay helps you allocate incoming payments and the amounts due to each party, while also handling interest payments and repayments of principal.

As the payment institution paying out interest on loans and receivables arranged through an online services platform, secupay automatically withholds tax on investment income, the solidarity surcharge and, where applicable, church tax. It remits these amounts to the tax office and issues tax certificates (section 44(1) sentence 4 no. 2a(b) of Germany’s Income Tax Act (EStG)).

Crowdfunding

Manage payment flows between backers, project creators, and platform operators. As a payment institution, secupay receives backers’ payments and safeguards the funds in trust accounts under section 17 of Germany’s Payment Services Supervision Act (ZAG) until they are passed on. If the project reaches its funding target, secupay transfers the funds to the project creator. If the target is not reached, the funds are automatically returned to the backers. This does not constitute deposit-taking.

Set Up Payouts with secupay

For Recurring or Combined Payouts

Alongside splitting incoming payments, do you also need a solution for recurring or combined payouts? secupay also handles individual, bulk and automated payouts.

More about bulk payments & payouts

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Complex payment flows
Simply automate

Whether marketplace, investment platform or individual business model: We show you how to distribute payments to multiple recipients and automate your payment processes.