Split payments for marketplaces. Each payment divided at capture.
Synapto is the embedded payments partner for UK marketplaces. When a buyer pays, the payment is split at capture: each seller's share goes to their own balance, and your platform fee goes to yours. Our regulated acquiring partner holds the funds.
How a split works
One buyer pays for an order. At capture the payment is divided by the rules you set: a share to each seller in the order and a platform fee to your marketplace. Each share sits in a balance in its owner's name until it is paid out to their own bank account.
Refunds and disputes come back from the right share under the same rules, so a refund after a seller has been paid does not come out of your margin.
- Split at capture, not reconciled afterwards
- Several sellers in one order
- Your platform fee as its own split
- Refunds and disputes from the right share
What you control
Your platform fee
A percentage, a fixed amount or both, set per seller or per category.
Commercial model →Multi-seller baskets
One checkout for the buyer, a split for every seller in the order.
Holds for refunds
Keep part of a seller's share back until an order can no longer be cancelled.
Questions about split payments
No. Funds sit with our regulated acquiring partner in each party's name from the moment the buyer pays.
No. On a software platform each business is settled in full and your margin is paid monthly; nothing is split. Splits are for marketplaces, where you take the payment and owe most of it to sellers. See payments for software platforms.
Their share waits in their balance and is paid out once their identity, ownership and bank details are checked. See onboarding and verification.
Start with a payments review.
Thirty minutes on how money moves through your marketplace today, and how splits would work for it.