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Split a Transaction | Global Payments

Split a Transaction

Learn how to direct a portion of funds for fees and commissions

For partners, splitting a transaction allows you to distribute a portion of funds from a single customer payment to multiple recipients. This is commonly used to collect service or software fees, apply franchise fees, pay commissions to sales consultants, or charge convenience fees from merchants — all directly at the time of the transaction.

Once you've successfully set up a merchant with a Transaction Processing Account (TRA) and a Funds Management Account (FMA), that merchant can begin processing splittable payments. This guide walks you through how to split a transaction within your network.

Here’s what you need to know:

A single transaction can be split into multiple merchant FMAs, up to the total transaction amount.
If no recipient_account_id is provided, funds are split to the partner’s FMA by default.
Both the initiating merchant and recipients are funded simultaneously.
A transaction can no longer be split once it has been funded.

Prerequisites

Before starting the steps in this guide, make sure you:

Get set up in our Sandbox test environment:
- Get registered
- Get Partner-level Sandbox test credentials (contact our support team)
- Create an access token
Have boarded at least one merchant under your partnership

Step 1: Process a transaction

To initiate a split, you must first process a transaction. Once processed, you can use its transaction ID to perform the split.

If you process the transaction through Hosted Fields or Drop-in UI, ensure that you have the transaction ID available, as it is required to perform the split.

Sample request

{
    "account_name": "Transaction_Processing",
    "type": "SALE",
    "channel": "CNP",
    "amount": "1999",
    "currency": "EUR",
    "reference": "93459c78-f3f9-427c-84df-ca0584bb55bf",
    "country": "DE",
    "payment_method": {
        "name": "James Mason",
        "entry_mode": "ECOM",
        "authentication": {
            "id": "AUT_d455464a-115c-46b7-9622-6829e0326e23"
        },
        "card": {
            "number": "4263970000005262",
            "expiry_month": "05",
            "expiry_year": "25",
            "cvv": "852",
            "cvv_indicator": "PRESENT",
            "avs_address": "Flat 123",
            "avs_postal_code": "50001"
        }
    }
}

Sample response

{
    "id": "TRN_uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
    "time_created": "2026-05-03T21:23:39.718Z",
    "type": "SALE",
    "status": "CAPTURED",
    "channel": "CP",
    "capture_mode": "AUTO",
    "authorization_mode": "PARTIAL",
    "amount": "11099",
    "currency": "USD",
    "country": "US",
    "merchant_id": "MER_A6A1EC44522F96630ABEA17A",
    "merchant_name": "ABC INDUSTRIES",
    "account_id": "TRA_86920f927028745yt34d077d88beb29b",
    "account_name": "transaction_processing",
    "reference": "becf9f3e-4d33-459c-8ed2-0c4affc9555e",
    "batch_id": "BAT_234234234",
    "payer": {
        "id": "PYR_oOAH6BClraQWS3Qy07dh7tZAN3X2nW",
        "first_name": "John",
        "last_name": "James",
        "reference": "string"
    },
    "payment_method": {
        "id": "PMT_31087d9c-e68c-4389-9f13-39378e166ea5",
        "fingerprint_presence_indicator": "NEW",
        "fingerprint": "string",
        "result": "string",
        "message": "string",
        "entry_mode": "MOTO",
        "qr_code": "string",
        "authentication": {
            "three_ds": {
                "cavv_result": "string"
            }
        },
        "digital_wallet": {
            "token": "string",
            "token_format": "CARD_NUMBER",
            "cryptogram": "string",
            "provider": "APPLEPAY",
            "masked_number_last4": "xxxxxxxxxxxx5262",
            "masked_number_first6last4": "426397xxxxxx5262",
            "masked_token_first6last4": "426397xxxxxx5262",
            "expiry_month": "12",
            "expiry_year": "29",
            "eci": "string",
            "cvv": "852'",
            "cvv_indicator": "ILLEGIBLE",
            "avs_address": "string",
            "avs_postal_code": "string"
        },
        "apm": {
            "provider": {
                "name": "string",
                "brand_product_name": "string",
                "result": "string",
                "messsage": "string",
                "status": "string",
                "action": "string",
                "action_reference": "string",
                "time_created_reference": "string",
                "redirect_url": "string",
                "payer_reference": "string",
                "payer_name": "string",
                "payer_account_reference": "string",
                "sponsor_reference": "string",
                "acquirer_reference": "string",
                "merchant_identifier": "string",
                "brand": "string"
            },
            "redirect_url": "string",
            "session_token": "string",
            "fund_status": "NOT_EXPECTED",
            "wait_notification": "0'",
            "optional_redirect": "0'",
            "provider_transaction_reference": "string",
            "provider_time_created": "string",
            "provider_payer_name": "string",
            "bank": {
                "name": "string",
                "identifier_code": "string",
                "iban": "string",
                "code": "string",
                "account_number": "string"
            },
            "mandate": {
                "code": "string"
            },
            "next_action": "REDIRECT",
            "next_action_message": "string",
            "category": "E_WALLET",
            "seconds_to_expire": "number"
        },
        "card": {
            "masked_number_last4": "xxxxxxxxxxxx5262",
            "tag_response": "string",
            "authcode": "string",
            "brand": "VISA",
            "brand_reference": "string",
            "brand_time_reference": "string",
            "cvv_result": "MATCHED",
            "issuer": "string",
            "country": "US",
            "currency": "USD",
            "funding": "DEBIT",
            "avs_address_result": "MATCHED",
            "avs_postal_code_result": "MATCHED",
            "avs_action": "PROMPT",
            "provider": {
                "result": "string",
                "cvv_result": "string",
                "avs_result": "string",
                "avs_address_result": "string",
                "avs_postal_code_result": "string"
            },
            "masked_network_token_last4": "string",
            "network_token_expiry_month": "12",
            "network_token_expiry_year": "30"
        },
        "bank_transfer": {
            "name": "string",
            "masked_number_last4": "string",
            "number_type": "CHECKING"
        },
        "bnpl": {
            "provider": "KLARNA"
        }
    },
    "user_reference": "string",
    "currency_conversion": {
        "payer_amount": "string",
        "payer_currency": "USD",
        "conversion_rate": "string",
        "margin_rate_percentage": "string",
        "commission_percentage": "string",
        "exchange_rate_source": "string",
        "exchange_source_time": "string"
    },
    "order": {
        "reference": "INV#88547"
    },
    "installment": {
        "program": "mIPP",
        "mode": "NO_PROMOTION",
        "count": "99",
        "grace_period_count": "30"
    },
    "risk_assessment": [
        {
            "mode": "ACTIVE",
            "result": "ACCEPTED",
            "rules": [
                {
                    "reference": "5c52428c-1f73-4fdf-ae53-ff62857f89d8",
                    "description": "string",
                    "mode": "ACTIVE",
                    "result": "ACCEPTED"
                }
            ]
        }
    ],
    "action": {
        "id": "ACT_uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
        "type": "ADJUST",
        "time_created": "2026-05-03T21:23:39.718Z",
        "result_code": "SUCCESS",
        "app_id": "uzFr7t4VOqxdLDI44hHmXIjHtOOE8d",
        "app_name": "my_lovely_app"
    }
}

Step 2: Split the transaction

Using the TRN id, you can split the transaction and transfer part of a transaction amount that is executed by a merchant to the partner account. The FMA Account ID indicated in the resource url is the sender. The recipient_account_id should indicate a secondary merchant to receive a portion of the transaction proceeds.

For complete details on API requests and responses, see [POST] Split in the API Explorer.

Sample request

curl --location --request POST 'https://apis.sandbox.globalpay.com/ucp/merchants/MER_d5f47f41120f4ebb8a97f8b4d92b8fde/transactions/TRN_257Nt4omOC4GtUoPQGDXTN4KTMzTBZ/split' \
--header 'X-GP-Version: 2021-03-22' \
--header 'Authorization: Bearer lye8PVG6nRa9oElUadmqjBKKROiI' \
--header 'Content-Type: application/json' \
--data-raw '{
"transfers": [
    {
        "recipient_account_id": "FMA_30d90bfb9e094ad0889baa466716d7ad",
        "reference": "123456",
        "amount": "50",
        "description": "SKU#BLK-MED-G123-GUC"
    }
]
}'

Sample response

A successful response will confirm:

The status of each split
Amounts routed to each FMA
The transfer identifier

If a recipient_account_id is not indicated in the request, the funds will be split to the partner’s FMA.

{
    "id": "TRN_257Nt4omOC4GtUoPQGDXTN4KTMzTBZ",
    "time_created": "2022-11-10T06:19:09.536Z",
    "status": "CAPTURED",
    "country": "US",
    "currency": "USD",
    "type": "SALE",
    "amount": "1000",
    "merchant_id": "MER_d5f47f41120f4ebb8a97f8b4d92b8fde",
    "account_id": "TRA_acb8c9ade182427eb06ffdf412b7e3e3",
    "merchant_name": "Tiffany_Gerhold",
    "account_name": "718558106_676616",
    "reference": "67396831",
    "payment_method": {
        "result": "00",
        "message": "SUCCESS"
    },
    "transfers": [
        {
            "id": "TRF_gEDUmghEsRxlLuFfqPB89hsUYHSk11",
            "status": "CAPTURED",
            "time_created": "2022-11-10T06:19:09.494Z",
            "amount": "50",
            "reference": "123456",
            "description": "SKU#BLK-MED-G123-GUC"
        }
    ],
    "action": {
        "id": "ACT_epxaxiQaatP4FpMSQjYled7ryxhBrZ",
        "type": "SPLIT",
        "time_created": "2022-11-10T06:19:09.536Z",
        "result_code": "SUCCESS",
        "app_id": "U1lRHKomEn7DN907RCDPxVhyMfiMLcfy",
        "app_name": "demo_app"
    }
}

Integration references

To get a deeper understanding of money movement, we recommend that you use our provided integration references for both API and SDK integrations. For the full detailed API specification, see the API Explorer.

/transactions - API Explorer

See the full API specification for creating a sale or refund.

/{id}/split - API Explorer

See the full API specification for splitting a transaction amount.

SDKs & Libraries

Add server-side or client-side code to your integration.

Testing

This solution is available for testing in our free Sandbox environment for registered users of this developer portal. Use our resources below to start testing different scenarios.

Test Cards

Test different transaction outcomes with simulated cards or banks.

Postman Collection

View, import, or fork our API collection in Postman.

Responses

View successful responses, HTTP status codes, action response data, and errors.

Next steps

Below are recommended next steps for your partners integration.

Reverse a Split or Transfer

Move funds back into a merchant’s account after a refund.

Initiate a Deposit to Fund Your Merchants

Credit or debit a merchant’s bank account from an ACH deposit.

Retrieve Merchant and Account Reports

Use account data to better support your merchants.

Policies

Connect

Additional Resources

Split a Transaction

Prerequisites

Step 1: Process a transaction

Sample request

Sample response

Step 2: Split the transaction

Sample request

Sample response

Integration references

/transactions - API Explorer

/{id}/split - API Explorer

SDKs & Libraries

Testing

Test Cards

Postman Collection

Responses

Next steps

Reverse a Split or Transfer

Initiate a Deposit to Fund Your Merchants

Retrieve Merchant and Account Reports