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Pre-authorization for split payments (auth)

Split payment is a payment type where the total amount is automatically distributed among multiple recipients (sub-merchants). Split payment service supports the ability to carry out two-step payments.

Two-step payments is a payment process involves the pre-authorization (holding) of the customer's funds in their own bank account to ensure further payment.

Completion of the payment process requires one of the following actions:


  • Pre-authorization transactions have the "Auth" type and are displayed with this value in the merchant portal.
  • Two-step split payments are available for card payment method only.
  • During the pre-authorization step (funds holding), split payments do not include information on the participants of the transaction (sub-merchants).

Two-step payment use-case:

  1. When a customer completes an order on the marketplace website by adding goods from different sub-merchants and makes a payment, the amount of the transaction is held in the customer's bank account.
  2. Each of the sub-merchants checks whether the ordered goods are available.
  3. Depending on the result of the check, there are several options with respect to the held funds:
    • When all the sub-merchants have the ordered goods in stock, the full amount of the pre-authorization is captured, and each sub-merchant receives their respective share.
    • In the event that one of the sub-merchants lacks their goods, a partial amount of the pre-authorization is captured, and the sub-merchants who have the goods available receive their respective shares.
    • If none of the sub-merchants have the ordered goods in stock, the pre-authorization transaction is voided, resulting in the released funds becoming available to the customer.

Primary transactions (purchase, auth, credit, lookup, P2P) must have a unique order ID. In case the selected order ID is already set for another transaction, an error will be received when creating the order.

Create a two-step payment