New service | **Last updated**: 01 July 2025

# Get started

## Split a payment

Use our **Split Payments API** to split a payment across multiple virtual balance accounts including your own business account, allowing you to make payouts from there.

Allocate the funds to [parties](/products/parties) (sellers, payers, and beneficiaries) who provided goods and services to the customer, while retaining any deductions like fees and commissions.

Specify one or multiple parties in one request and take deductions dynamically for each party.

### Capabilities

![tick](/assets/check-green.5380696a3edf2560a9dfe5b5950684df132f75ed1806f53e162cd51b03cf0073.92a19ef5.svg) [Create a request to split a payment](/products/split-payments/split-a-payment#split-a-payment) to send funds to multiple beneficiaries
![tick](/assets/check-green.5380696a3edf2560a9dfe5b5950684df132f75ed1806f53e162cd51b03cf0073.92a19ef5.svg) [Deduct fees and commissions](/products/split-payments/split-a-payment#deductions) you want to allocate to your own account
![tick](/assets/check-green.5380696a3edf2560a9dfe5b5950684df132f75ed1806f53e162cd51b03cf0073.92a19ef5.svg) [Settle the funds](/products/split-payments/manage) fully or partially
![tick](/assets/check-green.5380696a3edf2560a9dfe5b5950684df132f75ed1806f53e162cd51b03cf0073.92a19ef5.svg) [Refund the funds](/products/split-payments/manage#refund-a-payment) fully or partially

### Flow overview


```mermaid

sequenceDiagram
    participant Customer
    participant Merchant
    participant Worldpay
    Customer->>Merchant: Places an order with a single or multiple item(s)
    Merchant->>Worldpay: Sends request to authorize a payment
    Worldpay->>Merchant: Responds with commandId and next action links
    Merchant->>Worldpay: Sends split payment request with commandId
    Worldpay->>Merchant: Generates and responds with splitPaymentId and itemId/itemIds
    Merchant->>Customer: Fulfills an order
    Merchant->>Worldpay: POSTs to next action link to settle
    Worldpay->>Merchant: Responds with commandId and next action links
    Merchant->>Worldpay: Sends confirmation of fulfillment with commandId
    Worldpay->>Merchant: Responds with fulfillment confirmation
```

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**Ready to integrate?**
Make yourself familiar with our [API principles](/products/reference/api-principles) to ensure a resilient integration and set your headers using our [API reference](/products/split-payments/openapi).

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**Next steps**

[Split a payment](/products/split-payments/split-a-payment)

Prerequisite
You must have authorized a payment through our [Card Payments API](/products/card-payments/authorize-a-payment) before you can send a split payment request.