Overview
Split de Pagamentos operates integrated with an e-commerce payment solution (Cielo E-commerce API).
At the moment the shopper completes the purchase, the order amount is automatically divided among the different sellers involved in the transaction, following the customized rules that were previously defined. This way, each participant receives their respective share in nominal accounts.
For the end customer, this entire operation is transparent. The shopper can place a single order, unifying the payment for all their purchases, and see a single participant on their invoice.
The possible participants in a sale are: master, seller, and Split de Pagamentos.
| PARTICIPANTS | DESCRIPTION |
|---|---|
| Master | - Responsible for the cart; - Has agreements with sellers who supply the products in the cart; - Defines the fees to be deducted of each seller for the sale; - Can participate in a sale by providing their own products. |
| Seller | - Supplies the products that make up the cart; - Receives a portion of the sale amount; - Has the agreed-upon fees deducted by the master. |
| Split de Pagamentos | - Responsible for the transactional flow, functioning as a sub-acquirer; - Defines the fees to be deducted on the total value of the sale made by the master; - Is responsible for settling payments for sellers and the master. |
When hiring Split de Pagamentos, the master user will receive the credentials for integration with our APIs (MerchantId, MerchantKey, and ClientSecret), in addition to their login to the Backoffice Split portal.
In this documentation, we show the step-by-step integration via API. To learn how to use the Backoffice Split, check the articles on our Support page.
Before starting transactions, you need to onboard your sellers. Read more at Sellers onboarding .
As a master, the first step is to integrate with the Cielo E-commerce 3.0 API.
For each transaction, you can inform how the payment will be split between each participant, and whether the split will happen at the time of capture (transactional Split) or at after authorization (post-transactional Split).
When the transaction is captured, the Split calculates the amount destined for each participant and forwards these values to each party involved in the transaction. The payment arrangement is the established settlement period according to the product (credit or debit) and network.
Payment arrangement
Credit card: up to 31 days;
Installment Credit: 1st installment up to 31 days, remaining every 30 days;
Debit card: up to 2 business days;
Boleto: up to 2 business days after payment confirmation.
When spliting a transaction, you must inform:
- The identifiers (
MerchantId) of the sellers and the master, if they also participate in the sale; - The amounts corresponding to each participant. The total sum must be equal to the total transaction amount;
- The fees to be applied on the amount of each seller destined for the master. These fees must be agreed upon in advance between the master and the seller.
The master can have their own products in the cart and participate in the split.
Updated 4 days ago