Get started with Split de Pagamento

This page presents the four essential steps for you, master merchant, to contract, configure, and start using Split de Pagamento in your business.

This is a quick guide with the main actions to integrate Split de Pagamento. It does not replace the full documentation, as your operation may require additional steps or different flows. During onboarding, our specialists will help define the best configuration for your business.

Step 1: Contract and activate Split de Pagamento

The first step is to formalize the service agreement so your account can be enabled.

1. Commercial contact: talk to Cielo’s commercial team to request Split de Pagamento activation;
2. Contract signing;
3. Receive credentials: after confirmation, your master account will be enabled and you will have your MerchantId (your store identification) ready to use.

Step 2: Register your sellers

To split payments, you need to register the sellers (partner merchants) in the Split platform and define the fees that will apply to each one.

You can do this in two ways:

• Via Onboarding API: allows you to register sellers in bulk or individually, ideal for dynamic operations;
• Via e-commerce portal: allows individual registration of each seller.

At the end of the process, each seller will have its own identifier SubordinateMerchantId, which will be used to identify them in transactions, along with their fee configuration (if you choose to set fees in advance).

Step 3: Make your first sale with value split

With the sellers properly registered, the master can now process a transaction with value split. The process varies slightly between the physical and digital environments.

For e-commerce (via API)

The split happens directly in your payment request. When creating a transaction, you must:

1. Include the SplitPayments object: add the SplitPayments node in the request body;
2. Provide the participants: inside the SplitPayments object, send a list containing the SubordinateMerchantId of each participating seller and the amount (Amount) each one should receive. You can also include the fees (if you want to configure the split at the time of sale).

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For more details on parameters and request examples, see the Split API Reference:

• Split via Gateway de Pagamento;
• Split via API E-commerce.

For POS terminal

The split is done directly on the device (Cielo LIO or Flash).

1. Enable the feature: in the e-commerce portal, link the POS terminals to the master merchant under Split POS Management > Enable POS;
2. Select EC Stelo (BPG) on the POS terminal: during the sale, the seller must choose EC Stelo (BPG) so the transaction is settled through Split de Pagamento (for the split to occur).

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For detailed configuration steps for each device, see the guide Split de Pagamento via POS terminal.

Step 4: Manage your operation

After the first sale, you can track all your transactions and manage your sellers through the e-commerce portal. There, you can:

• View the history of split sales;
• Monitor your receivables and those of your sellers;
• Manage seller registration data;
• Make adjustments and re-splits (post-transaction Split).

Next steps

Now that you understand the main journey, deepen your knowledge:

• Learn about Split models: understand the differences between Preconfigured Split, Transactional Split, and Post-transaction Split;
• Explore Receivables Anticipation: find out how your sellers can advance the receipt of funds.