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FractionalPay

Split payment use cases

Split payment use cases, with numbers

Split payment use cases share one shape: a single payment arrives and several parties each own part of it. Marketplaces, agencies, creator platforms, franchises, SaaS partner programs and joint ventures all run on the same rules, ledger and payouts, only the parties change.

Try the split simulator See pricing
  • Six business models, one rule engine
  • Every example adds up to the cent
  • Money stays in your own payment account

Order #48213, split into three shares

$250.00 total

Seller

Northwind Ceramics

Pending

$200.00

80% of order

Available Oct 23

Platform

Platform revenue

Available

$37.50

15% of order

Kept in your account

Delivery

Metro Couriers

Scheduled

$12.50

Fixed $12.50

Weekly payout Friday

Six use cases

Find the model that looks like yours

Each card shows one typical payment and how it divides. Open a use case to see the rule behind it, how refunds and holds behave, and which plan fits.

What every use case shares

Rules, ledger, payouts and refunds

The parties differ from one business to the next, but the mechanics underneath are the same. That is why one product covers all six models. You describe the split once as a rule, and every payment that matches it is divided, recorded and paid out the same way.

Payments land in your own platform account at a licensed payment operator. FractionalPay calculates the splits, keeps the ledger and sends payout instructions to that account. We never hold, pool or transmit funds and we are not a payment institution.

Engineers can set up the same rules through the split payment API; finance can do it in the dashboard without code.

  • Split rules

    Starter+

    Percentage and fixed lines, priorities, matching on product or metadata, and a remainder party that receives rounding.

  • Double-entry ledger

    Starter+

    Every split, refund and payout is a transaction that balances to zero, with balances per beneficiary.

  • Payout schedules

    Starter+

    Daily, weekly or monthly payouts with a minimum amount per beneficiary.

  • Proportional refunds

    Starter+

    A refund reverses each share in proportion, and amounts already paid out carry into the next payout.

  • Recurring splits and commissions

    Growth+

    Renewals split again on every invoice, partner lines with tiers and time limits.

  • Holds and reserves

    Growth+

    Keep a percentage back until a return window or service date has passed.

Royalty statement

September 2026

Beneficiary

Location 014, Austin

Due this period

$6,720.00

Line Base Rate Amount
Gross sales $84,000.00
Royalty $84,000.00 6% $5,040.00
Marketing fund $84,000.00 2% $1,680.00

Who runs it

Finance owns the rules, engineering owns the connection

In most teams the split starts as an agreement: a commission in a seller contract, a royalty clause in a franchise agreement, a percentage in a reseller deal. Finance knows those terms best, so the rule builder is made for them. A rate change is a new rule version, and earlier payments keep the version they were split with.

Engineering connects the payment account once and listens to webhooks such as split.created and payout.paid. After that, nobody has to rebuild the monthly payout sheet. If reconciliation is the reason you are looking, see payment reconciliation software; if you mainly pay sellers, see marketplace payouts.

Choosing a plan

Which plan fits your use case

Plans differ by monthly split flow, number of beneficiaries and the features above the basics. All three include the rule builder, the ledger, proportional refunds, payout schedules, the API and webhooks, and none of them adds a transaction fee from us. Yearly billing is 50 percent cheaper than monthly.

  • Starter, 199 USD per month or 99 USD billed yearly: up to 100,000 USD split per month and 50 beneficiaries. Fits an early marketplace, an agency or a small joint venture.
  • Growth, 499 USD per month or 249 USD billed yearly: up to 1,000,000 USD per month, 1,000 beneficiaries, recurring splits, partner commissions, holds, reconciliation and tax data. Fits creator platforms, SaaS partner programs and franchises.
  • Scale, 1,499 USD per month or 749 USD billed yearly: up to 10,000,000 USD per month, unlimited beneficiaries, 10 connected accounts, multi-currency ledgers per entity, SAML SSO and four-eyes payout approvals.

Course sale #7731

Split by rule v2

Gross payment

$99.00 USD

  • Creator $59.40
  • Co-host $19.80
  • Affiliate $9.90
  • Platform $9.90
Shares add up to the payment $99.00

Questions

Frequently asked questions

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

Which use cases does FractionalPay support
Any business where one payment belongs to several parties: marketplaces paying sellers, agencies sharing retainers, creator platforms, franchises collecting royalties, SaaS companies paying resellers and partners in joint ventures. The six pages above show worked examples.
Can one account handle more than one use case
Yes. Rules match on product or metadata, so a platform can split marketplace orders one way and course sales another way in the same workspace, each with its own parties.
Does FractionalPay hold the money while it is split
No. Payments land in your own platform account at a licensed payment operator. FractionalPay calculates the split, keeps the ledger and sends payout instructions. We never hold, pool or transmit funds and we are not a payment institution.
What if our split is not a simple percentage
Combine percentage and fixed lines, set priorities, cap a line, add a hold or end a partner line after a number of months. Anything left after rounding goes to the remainder party you choose.
Do we need engineers to start
No. The rule builder and dashboard work without code. Connecting your Stripe Connect platform account takes a few clicks, and the API is there when your team wants it.
How do we pick a plan
Start from your monthly split flow and number of beneficiaries, then check whether you need recurring splits, holds or reconciliation. The full comparison is on the pricing page.

Try your own use case in the simulator

Enter an amount, add your parties and their shares, and see the split, the ledger and the first payout date for your model.

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.