Split payments automatically
Every payment, refund and payout divided between everyone who earned it, on your own payment account.
New payment splitSplit rule for a new payment
Balanced, live preview
How a split flows
One payment in, every share paid out
Order #10482
Split, balanced
Gross payment
$1,000.00 USD
- Provider 70% $700.00
- Platform 15% $150.00
- Partner 10% $100.00
- Subcontractor 5% $50.00
FractionalPay is split payment software that divides each customer payment between all the parties who earned it, records every share in a double-entry ledger and pays them out on schedule through your own payment account. You set the rule once. After that, every payment follows the same five steps without anyone touching a spreadsheet.
Most platforms already collect payments well. The hard part comes after: working out who is owed what, keeping that number right when a customer asks for a refund, and paying everyone on the agreed day. When that lives in a spreadsheet, it works at fifty payments a month and breaks at five thousand. FractionalPay does that work the moment each payment succeeds, so the answer to "how much do we owe whom" is always on screen.
A rule can mix percentages and fixed amounts, give a partner a share only on certain products, or send whatever is left to the platform. When you change a rule, the old version stays on record, and every past split still points to the version that produced it. That is how marketplaces, agencies and creator platforms keep their marketplace payouts correct without a monthly clean up.
-
1 Payment
A customer pays
order #10482Succeeded$1,000.00
Card, captured to your account
The money lands in your own operator account, as it does today.
-
2 Rule
The rule divides it
Provider 70%Platform 15%Partner 10%Subcontractor 5%Percent and fixed lines, a remainder party and rule priority.
-
3 Ledger
Every share is recorded
Operator balance Dr $1,000.00Provider Cr $700.00Platform Cr $150.00Balanced
Debits equal credits on every transaction, always.
-
4 Payout
Everyone is paid on time
Weekly, FridayScheduledProvider$700.00Partner$100.00Daily, weekly or monthly, with holds and a minimum payout.
-
5 Reconciliation
The books match
Operator balance$1,000.00Ledger$1,000.00Matched today
Each day the ledger is checked against your operator balance.
Why teams switch
Less month-end work, fewer payout mistakes
Finance stops rebuilding the same spreadsheet. Partners stop asking where their money is. Engineering stops maintaining payout scripts.
Order #10482, after Friday's payout run
Ledger balanced
Provider
Northwind Studio
$700.00
70% of payment
Paid Friday, weekly schedule
Platform
Your platform
$150.00
15%, remainder
Stays in your account
Partner
Harbor Partners
$100.00
10% of payment
Paid Friday, weekly schedule
Subcontractor
Lumen Edit
$50.00
Fixed $50.00
Paid Friday, weekly schedule
Fewer finance hours
Splits, refunds and payouts are calculated the moment a payment succeeds. Your team reviews the results instead of building them by hand each month.
Partners paid on time
Every beneficiary has a payout day and a balance they can trust. Weekly, monthly or as soon as funds are available, with a minimum payout amount.
Refunds that reverse themselves
A refund comes back from every party in proportion to what they received. If someone was already paid, it comes off their next payout.
An auditable ledger
Every cent has a debit and a credit. Entries are never edited, only reversed, so an auditor can follow each payment from capture to payout.
No cut of your volume
One flat subscription with a monthly flow limit. We do not take a percentage of your payments, and your operator fees stay as they are.
A dashboard and an API
Finance works in the rule builder and reports. Developers use the REST API and signed webhooks. Both see the same ledger.
Use cases
Built for businesses that collect once and pay many
- Seller $800
- Platform $150
- Delivery $50
Marketplaces
Pay sellers and service providers their share of every order, with the platform fee kept automatically.
- Agency $550
- Freelancer $300
- Subcontractor $150
Agencies
Split client retainers between the agency, freelancers and subcontractors the day the client pays.
- Creator $700
- Platform $200
- Affiliate $100
Creator platforms
Share course and membership revenue with creators, co-hosts and affiliates on a fixed payout day.
- Location $880
- Royalty $70
- Marketing fund $50
Franchises
Take royalties and marketing fund contributions from every location sale without monthly invoices.
- Company $700
- Reseller $200
- Integration $100
SaaS revenue share
Split every subscription renewal with resellers and integration partners, month after month.
- Partner A $500
- Partner B $350
- Operations $150
Partnerships
Divide every incoming payment between partners exactly as your agreement says.
Refunds and holds
Refunds and holds, worked out to the cent
Take the same $1,000 payment split 70, 15, 10 and 5 percent. Here is what happens when part of it is refunded, and what happens when you hold back a reserve.
Refund of $200.00 on order #10482
Reversed proportionally
| Party | Split | Refund | Keeps |
|---|---|---|---|
| Provider | $700.00 | -$140.00 | $560.00 |
| Platform | $150.00 | -$30.00 | $120.00 |
| Partner | $100.00 | -$20.00 | $80.00 |
| Subcontractor | $50.00 | -$10.00 | $40.00 |
| Total | $1,000.00 | -$200.00 | $800.00 |
Hold 10% for 14 days
Reserve until the return window ends
| Party | Share | Paid now | After 14 days |
|---|---|---|---|
| Provider | $700.00 | $630.00 | $70.00 |
| Platform | $150.00 | Kept | $0.00 |
| Partner | $100.00 | $90.00 | $10.00 |
| Subcontractor | $50.00 | $45.00 | $5.00 |
The refund of $200 is 20 percent of the payment, so each party gives back 20 percent of what it received: $140 from the provider, $30 from the platform, $20 from the partner and $10 from the subcontractor. The ledger gets one reversal entry per party. If the provider was already paid, the $140 comes off the next payout.
A hold keeps 10 percent of each beneficiary's share in a reserve until the return window closes. The provider gets $630 on payout day and $70 fourteen days later. If a refund arrives first, it is taken from the reserve before anything else. The platform keeps its own fee, so nothing of it is held.
Ledger and reconciliation
A ledger your auditor can follow
Every payment, share, hold, refund and payout becomes a balanced journal entry. Each morning the ledger is matched line by line against the balance of your operator account, and anything that does not match is flagged with the reason.
This is what finance teams look for in payment reconciliation software: one place to see what you owe whom right now, and proof that the books agree with the bank.
Ledger journal, payment order #10482
2 transactions, balanced
- txn_1Operator balance (your account) Dr$1,000.00
- txn_1Payable to Provider Cr$700.00
- txn_1Platform revenue Cr$150.00
- txn_1Payable to Partner Cr$100.00
- txn_1Payable to Subcontractor Cr$50.00
- txn_2Payable to Provider Dr$700.00
- txn_2Payable to Partner Dr$100.00
- txn_2Payable to Subcontractor Dr$50.00
- txn_2Operator balance (your account) Cr$850.00
Reconciliation, operator balance vs ledger
1 item needs review
- txn_1Q8...a41 Operator $1,000.00Ledger $1,000.00 Matched
- po_1Q8...c7d Operator -$850.00Ledger -$850.00 Matched
- txn_1Q8...f02 Operator $249.00Ledger $249.00 Matched
- txn_1Q8...9be Operator -$20.30Ledger -$20.00 Fee of $0.30 not in ledger
For developers
A split payment API with real webhooks
The split payment API uses the same engine as the dashboard. Simulate a split, create rules and beneficiaries, read balances and schedule payouts. Amounts are integers in cents, every POST accepts an idempotency key, and every webhook is signed so you can verify it came from us.
Request
POST /api/v1/splits/simulate
curl https://fractionalpay.com/api/v1/splits/simulate \
-H "Authorization: Bearer fp_test_4eC3..." \
-H "Content-Type: application/json" \
-H "Idempotency-Key: 7d1c-2f0a" \
-d '{
"amount": 100000,
"currency": "USD",
"parties": [
{
"role": "Provider",
"kind": "percent",
"value": 70
},
{
"role": "Platform",
"kind": "percent",
"value": 15
},
{
"role": "Partner",
"kind": "percent",
"value": 10
},
{
"role": "Subcontractor",
"kind": "percent",
"value": 5
}
],
"schedule": "weekly",
"refund": 20000
}'Response
200 OK
{
"object": "split_simulation",
"amount": 100000,
"currency": "USD",
"refund": 20000,
"schedule": "weekly",
"hold": false,
"balanced": true,
"allocations": [
{
"role": "Provider",
"kind": "percent",
"value": 70,
"platform": false,
"remainder": false,
"amount": 70000,
"share_percent": 70,
"held": 0,
"refund_reversal": 14000,
"net": 56000,
"available_now": 56000
},
{
"role": "Platform",
"kind": "percent",
"value": 15,
"platform": true,
"remainder": true,
"amount": 15000,
"share_percent": 15,
"held": 0,
"refund_reversal": 3000,
"net": 12000,
"available_now": 12000
},
{
"role": "Partner",
"kind": "percent",
"value": 10,
"platform": false,
"remainder": false,
"amount": 10000,
"share_percent": 10,
"held": 0,
"refund_reversal": 2000,
"net": 8000,
"available_now": 8000
},
{
"role": "Subcontractor",
"kind": "percent",
"value": 5,
"platform": false,
"remainder": false,
"amount": 5000,
"share_percent": 5,
"held": 0,
"refund_reversal": 1000,
"net": 4000,
"available_now": 4000
}
],
"ledger": [
{
"id": "txn_1",
"date": "2026-10-15",
"description": "Payment captured and split by rule",
"lines": [
{
"account": "Operator balance (your account)",
"debit": 100000,
"credit": 0
},
{
"account": "Payable to Provider",
"debit": 0,
"credit": 70000
},
{
"account": "Platform revenue",
"debit": 0,
"credit": 15000
},
{
"account": "Payable to Partner",
"debit": 0,
"credit": 10000
},
{
"account": "Payable to Subcontractor",
"debit": 0,
"credit": 5000
}
],
"balanced": true
},
{
"id": "txn_2",
"date": "2026-10-16",
"description": "Partial refund reversed proportionally",
"lines": [
{
"account": "Payable to Provider",
"debit": 14000,
"credit": 0
},
{
"account": "Platform revenue",
"debit": 3000,
"credit": 0
},
{
"account": "Payable to Partner",
"debit": 2000,
"credit": 0
},
{
"account": "Payable to Subcontractor",
"debit": 1000,
"credit": 0
},
{
"account": "Operator balance (your account)",
"debit": 0,
"credit": 20000
}
],
"balanced": true
},
{
"id": "txn_3",
"date": "2026-10-23",
"description": "Payout run 1",
"lines": [
{
"account": "Payable to Provider",
"debit": 56000,
"credit": 0
},
{
"account": "Payable to Partner",
"debit": 8000,
"credit": 0
},
{
"account": "Payable to Subcontractor",
"debit": 4000,
"credit": 0
},
{
"account": "Operator balance (your account)",
"debit": 0,
"credit": 68000
}
],
"balanced": true
}
],
"payouts": [
{
"date": "2026-10-23",
"party": "Provider",
"amount": 56000,
"note": "Scheduled payout"
},
{
"date": "2026-10-23",
"party": "Partner",
"amount": 8000,
"note": "Scheduled payout"
},
{
"date": "2026-10-23",
"party": "Subcontractor",
"amount": 4000,
"note": "Scheduled payout"
}
]
}Webhook
split.created, signed
FractionalPay-Signature: t=1792022400,v1=5257a8...
{
"id": "evt_8k2m41fq7c0d9x3vbn5tw6hr",
"type": "split.created",
"created": 1792022400,
"livemode": true,
"data": {
"split": {
"id": 48213,
"object": "split",
"status": "calculated",
"rule_id": 3,
"rule_version": 3,
"gross": 100000,
"currency": "USD",
"queued_reason": null,
"calculated_at": 1792022400,
"allocations": [
{
"id": 7101,
"beneficiary_id": 41,
"role_key": null,
"amount": 70000,
"currency": "USD",
"held_amount": 0,
"held_until": null,
"status": "available",
"payout_id": null
},
{
"id": 7102,
"beneficiary_id": null,
"role_key": "platform",
"amount": 15000,
"currency": "USD",
"held_amount": 0,
"held_until": null,
"status": "available",
"payout_id": null
},
{
"id": 7103,
"beneficiary_id": 43,
"role_key": null,
"amount": 10000,
"currency": "USD",
"held_amount": 0,
"held_until": null,
"status": "available",
"payout_id": null
},
{
"id": 7104,
"beneficiary_id": 44,
"role_key": null,
"amount": 5000,
"currency": "USD",
"held_amount": 0,
"held_until": null,
"status": "available",
"payout_id": null
}
]
},
"payment_id": 48213,
"external_id": "order-48213"
}
}Test keys work in the sandbox. Live keys come with every plan.
Security and money flow
Your money never passes through us
FractionalPay is a rules, ledger and orchestration layer. The money stays in your own account at a licensed payment operator the whole time.
Your customer
Pays by card or bank as usual. Nothing changes at checkout.
Your operator account
Your own connected platform account at a licensed operator. Funds settle here.
Beneficiaries
Sellers, partners and creators receive transfers from your account on schedule.
FractionalPay
Reads payments, applies your rules, writes the ledger and sends payout instructions to your account. Never holds funds.
No money transmission. We do not hold, pool or move funds, and we are not a payment institution. Your operator does what it already does for you.
Scoped access. API keys are split into test and live, account tokens are encrypted at rest, and roles control who can change rules or approve payouts.
A full trail. Ledger entries are append only and every rule keeps its version history. Read more on the security page.
For the decision maker
What manual splitting costs you each year
Put in your own numbers. The plan is picked from your monthly flow, and the price uses yearly billing.
What changes for finance
- No more month-end exports and percentage formulas.
- A live balance for every seller, partner and creator.
- Refunds and chargebacks reversed with matching entries.
- A daily reconciliation report instead of a quarterly hunt.
- Earnings statements per beneficiary for your accountant.
What changes for engineering
- No split logic, rounding code or ledger tables to maintain.
- One API call to simulate or apply a split.
- Signed webhooks for splits, payouts, holds and mismatches.
- Test and live keys, so you can try everything in the sandbox.
- Finance changes rules in the dashboard without a deploy.
Your numbers
We assume about 2 hours a month stay with your team for review. Everything else in the split routine runs by rule.
What you get back each year
- Monthly split flow
- $300,000
- Plan that fits
- Growth $2,988 a year
- Finance hours saved
- 456 h
- Value of those hours
- $27,360
After the plan price
$24,372
Building it yourself costs about $48,000 before the first payout runs, plus upkeep every month after.
Above 10 million a month, Scale adds a higher flow block from the billing portal on the same subscription.
A worked example. A marketplace takes 2,000 payments a month with an average of $150, so $300,000 flows through each month and Growth fits at $2,988 a year. Its controller spends about 40 hours a month exporting payments, applying percentages, fixing refunds and preparing payouts. With the routine running by rule, about 456 hours a year come back, worth $27,360 at $60 an hour. Building the same thing in house would take an engineer around four months before the first payout, and then it needs care every month.
That is the case for revenue sharing software instead of a homegrown script: the work is done the same way every time, and the ledger shows it.
Compare
How FractionalPay compares with the usual options
Payout tools such as Tipalti, Trolley or Dots are built to send money to recipients. Ledger APIs such as Modern Treasury give engineers building blocks. Raw operator features leave the split logic to you. FractionalPay splits each payment by rule and keeps the books for it. Want to stay on your current operator? See how Stripe split payments work with your own account.
-
Splits each incoming payment by rule
- FractionalPay
- Yes
- Payout tools
- Pays out, splitting is up to you
- Raw operator features
- Your engineers build it
- Spreadsheets
- By hand
-
Proportional refund reversal
- FractionalPay
- Yes
- Payout tools
- Varies by tool
- Raw operator features
- Your engineers build it
- Spreadsheets
- By hand
-
Double-entry ledger per beneficiary
- FractionalPay
- Yes
- Payout tools
- Payout records
- Raw operator features
- Your engineers build it
- Spreadsheets
- No
-
Daily reconciliation with your operator balance
Growth and Scale
- FractionalPay
- Yes
- Payout tools
- Varies by tool
- Raw operator features
- Your engineers build it
- Spreadsheets
- Manual matching
-
Pricing
- FractionalPay
- Flat monthly, no transaction fees
- Payout tools
- Base fee plus per-payout fees
- Raw operator features
- Per account and per payout fees
- Spreadsheets
- Staff hours every month
-
Getting started
- FractionalPay
- Self-serve, no sales call
- Payout tools
- Often a sales demo first
- Raw operator features
- An engineering project
- Spreadsheets
- Ready, until volume grows
Each category covers many products, and features differ between them. See the detailed comparisons.
Pricing
One flat price, no transaction fees
Every plan connects your own payment account. Yearly billing saves 50 percent.
Starter
For early marketplaces and agencies that split payments between a few parties.
$99 / month
$199 / month
Billed yearly, $1,188. Save 50%
Billed monthly. Cancel anytime from billing
$100,000 split per month, no transaction fees
- 100,000 USD split per month
- One connected live payment account
- Up to 50 beneficiaries per billing period
- 25 saved split rules per billing period, percentage and fixed lines
- Scheduled payouts with a minimum payout threshold
- Double-entry ledger and proportional refund reversal
- REST API (50,000 requests per month) and 5 webhook endpoints
- 3 team members, CSV exports
- No transaction fees from us
Best for platforms with partners
Growth
For growing platforms with partners, recurring revenue and monthly reconciliation.
$249 / month
$499 / month
Billed yearly, $2,988. Save 50%
Billed monthly. Cancel anytime from billing
$1,000,000 split per month, no transaction fees
- Everything in Starter
- 1,000,000 USD split per month
- Up to 1,000 beneficiaries per billing period
- Recurring revenue splits on every renewal
- Partner and affiliate commissions, tiered and time-limited
- Holds and reserves until delivery or a return window ends
- Daily reconciliation with mismatch alerts
- Tax data per beneficiary and yearly earnings statements
- 10 team members with roles, unlimited signed webhooks
- REST API, 500,000 requests per month
Scale
For multi-entity platforms and finance teams that need approvals, SSO and audit trails.
$749 / month
$1,499 / month
Billed yearly, $8,988. Save 50%
Billed monthly. Cancel anytime from billing
$10,000,000 split per month, no transaction fees
- Everything in Growth
- 10,000,000 USD split per month
- Unlimited beneficiaries and split rules
- Up to 10 connected accounts, multiple currencies, per-entity ledgers
- Four-eyes approval for payouts above a threshold
- SAML SSO, audit log export, IP allowlist for API keys
- Ledger export in journal format and scheduled exports
- Unlimited team members, priority support by email
- REST API, 5,000,000 requests per month
No transaction fees. Payments are final. Compare every plan feature
FAQ
Questions finance and engineering ask first
Anything else? Write to [email protected].
Do you hold our funds?
Which payment operator do you work with?
How do refunds and chargebacks work?
How do you handle rounding?
Which currencies can we split?
How long does it take to go live?
Are there API limits?
What happens if we go over our monthly flow?
Can we cancel?
How do you keep our data safe?
Split your next payment the right way
Try the simulator with your own numbers, then save the rule to your workspace. No transaction fees, and it runs on your own payment account.