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FractionalPay

Stripe split payments

Stripe split payments, by rule

Stripe split payments with FractionalPay work on your own Stripe platform account: each successful charge is divided by your rules between sellers, partners and the platform, written to a ledger and paid out on schedule.

Stripe keeps doing what it does well: taking the payment, holding the license and moving the money. FractionalPay adds the part Stripe leaves to your engineers, which is deciding who gets what and keeping the record straight when refunds arrive.

Try the split simulator See pricing
  • Connects to the Stripe platform account you already have
  • Percent, fixed and remainder lines on every charge
  • Stripe fees unchanged, no transaction fee from us

Charge ch_250 on your Stripe account

Split by rule v2

Gross payment

$250.00 USD

  • Seller $200.00
  • Platform $37.50
  • Affiliate $12.50
Shares add up to the charge $250.00

What Stripe gives you

Stripe Connect moves the money, you still own the logic

A Stripe marketplace is usually built on Stripe Connect. It gives you connected accounts for your sellers, destination charges that send part of a payment to one connected account, separate charges and transfers for paying several accounts from one charge, and transfers you can trigger at any time. That is the rail, and it is a good one.

What Connect does not give you is the business layer on top of it. There is no rule engine that says the seller earns 80 percent, the affiliate 5 percent for the first six months and the platform keeps the rest. There is no ledger of what each beneficiary earned from each payment. When a customer gets a partial refund on a charge that was split three ways, deciding how much to take back from each party is your code. And nothing compares those numbers with your Stripe balance at the end of the day.

FractionalPay is that layer. You connect your own Stripe platform account, define rules in the dashboard or through the API, and every charge is split the moment it succeeds.

  • Rules with priorities, fixed amounts and a remainder party
  • A double-entry ledger with balances per beneficiary
  • Proportional refunds across every share of a charge

Split rule

Version 2 · Active

Rule name

Marketplace orders

Applies to

All payments

  1. 1 Seller 80%
  2. 2 Affiliate 5%
Remainder and rounding go to Platform Test on $250.00 passes

How it works

Split payments on your Stripe account in four steps

Payments land in your own Stripe platform account. FractionalPay calculates the splits, keeps the ledger and sends payout instructions to that account. It never holds, pools or transmits funds, it is not a payment institution, and it does not replace Stripe's license or money movement.

  1. 01

    Connect your Stripe account

    Authorize your Stripe Connect platform account. Charges, refunds, disputes and payouts start mirroring into FractionalPay.

  2. 02

    Add beneficiaries

    Sellers, affiliates and partners, each linked to its Stripe connected account id.

  3. 03

    Set the rule

    Percent and fixed lines, a match on product or metadata, and the party that receives the rounding remainder.

  4. 04

    Split and pay out

    Each charge is split, the ledger balances, and shares become payouts to connected accounts on your daily, weekly or monthly schedule.

Refunds

A partial refund on a split Stripe charge

The customer from the charge above gets 100.00 USD back. Stripe refunds the customer from your account. FractionalPay reverses each share in the same proportion it was split, so the seller gives back 80 percent of the refund, the platform 15 percent and the affiliate 5 percent.

Refund of 100 USD on a 250 USD charge

  • Seller

    Original
    $200.00
    Reversed
    -$80.00
    After refund
    $120.00

  • Platform

    Original
    $37.50
    Reversed
    -$15.00
    After refund
    $22.50

  • Affiliate

    Original
    $12.50
    Reversed
    -$5.00
    After refund
    $7.50

  • Total

    Original
    $250.00
    Reversed
    -$100.00
    After refund
    $150.00

Ledger journal

Balanced

txn_R100 ·Partial refund of ch_250, proportional

  • Payable to Seller Dr$80.00
  • Platform revenue Dr$15.00
  • Payable to Affiliate Dr$5.00
  • Operator balance (your account) Cr$100.00

TotalDr $100.00 · Cr $100.00

If the seller was already paid out, the 80.00 USD becomes a negative balance and is deducted from the next payout, with a ledger entry that explains it. You can also set a rule to take refunds from the platform share first. Either way, nobody rebuilds the numbers by hand.

Stripe's own processing fees stay exactly as they are on your Stripe account. FractionalPay does not add a fee per charge or per payout.

Payout calendar

November 2026

Mon
Tue
Wed
Thu
Fri
Sat
Sun

1

2

3

4

5

6

$120

$8

7

8

9

10

11

12

13

$1.8k

14

15

16

17

18

19

20

$960

21

22

23

24

25

26

27

28

29

30

  • Nov 6 · Seller $120.00Scheduled
  • Nov 6 · Affiliate $7.50Scheduled
  • Nov 13 · Seller $1,840.00Scheduled
  • Nov 20 · Seller $960.00Held

For founders on Stripe

Keep Stripe, skip the months of split logic

Most founders who search for Stripe split payments already have checkout working. The next step, paying sellers and affiliates correctly, is where engineering time disappears into transfer scripts, spreadsheet ledgers and refund edge cases.

With FractionalPay the first rule can be live on the day you connect, and a finance person can change it later in the dashboard without a deploy. If you are still designing your marketplace payments flow, or you want to compare plain Connect with Connect plus a rules layer, read Stripe Connect split payments.

Common Stripe marketplace setups

Who splits payments on Stripe this way

The same rules engine covers very different platforms. Pick the one closest to yours.

Questions

Frequently asked questions

Something else on your mind? Write to [email protected] or read the API documentation.

Is FractionalPay a Stripe partner or a replacement for Stripe?
Neither. FractionalPay is independent software that connects to your own Stripe platform account. Stripe still processes payments, holds the license and moves the money. We calculate splits, keep the ledger and send payout instructions to your account.
Do we need Stripe Connect for Stripe split payments?
Yes. Beneficiaries are paid through connected accounts on your Stripe platform account, so you need Connect enabled. FractionalPay links each beneficiary to its connected account id.
Does FractionalPay change our Stripe fees?
No. Stripe charges you what it charges today. FractionalPay is a flat monthly plan with no transaction fees: 199, 499 or 1,499 USD a month, or 99, 249 or 749 USD a month billed yearly. See pricing.
Does money pass through FractionalPay?
No. Funds stay in your Stripe platform account and the connected accounts of your beneficiaries. We never hold, pool or transmit funds and we are not a payment institution.
How are refunds and disputes split?
Reversed in proportion to each share by default, or platform first if your rule says so. If a share was already paid out, the negative amount is carried into that beneficiary's next payout.
Can we test before connecting our live Stripe account?
Yes. Run the split simulator without an account, then use the sandbox with test keys. Connecting a live account starts on Starter.

Split your next Stripe charge in the simulator

Enter an amount and your parties to see the breakdown, the ledger entries and the payout dates before you connect anything.

Try the split simulator See pricing

No transaction fees from us. Runs on your own payment account at a licensed operator. FractionalPay never holds your funds.