Payment Split —
One Payment, Multiple Recipients

Allow your clients to automatically split payments among all participants in the chain — under their brand, with your technology.

See Demo Docs →
R$ 1.000,00
Order #8472
→
R$ 700 Merchant (70%)
R$ 200 Marketplace (20%)
R$ 100 Distributor (10%)
✓ Processed in 127ms ✓ 6 journal entries
How It Works

Complete Split Flow

1 / 2
Type A (Marketplace recebe tudo) vs Type C (Split instant)

Steps for Complete Split Type A

Marketplace receives 100% first, then redistributes to participants

1

Transaction Approved

Gateway approves R$ 1.000. System reads split_rules from checkout.

2

Split Calculated

Creates 3 SRTransfersNew with correct values and deducts gateway fees.

3

Double-Entry

Generates 6 journal entries (debit + credit). Always balanced for audit.

4

Batch Payout

Groups into cluster and sends PIX/wire/CNAB. Recipients receive in D+30.

split_config.json 
{
  "split_rules": [
    { "customer": 123, "percent": 70 },
    { "customer": 1, "percent": 20 },
    { "customer": 456, "percent": 10 }
  ]
}

Steps for Complete Split Type C

Instant split: each participant receives directly at settlement

1

Transaction Approved com Split

Gateway approves R$ 1.000 e split_rules já definem 3 destinatários diretos.

2

Instant Split

System creates 3 separate receivables: R$ 700 (merchant), R$ 200 (marketplace), R$ 100 (distributor).

3

Direct Settlement

Gateway settles directly to each account. Each participant receives in their account in D+30.

4

Accounting

System registers 3 independent transactions with journal entries for complete audit.

split_tipo_c.json 
{
  "split_type": "C",
  "split_rules": [
    { "customer": 123, "percent": 70, "direct": true },
    { "customer": 1, "percent": 20, "direct": true },
    { "customer": 456, "percent": 10, "direct": true }
  ]
}
Benefits

Why Offer Split with Ezcale?

Automatic and Instant

Split processed in <200ms. No manual processing, no human errors. Every dollar goes to the right place automatically.

Commissions Hierárquico

Distribute values among different people and businesses, hierarchically, equally or decentralized.

Accounting Integrated with Split

Complete transaction traceability for regulatory and governance purposes.

Batch Settlement

Group thousands of split transfers into a single file. PIX, wire transfer and CNAB support, automatic and reconciled.

Reconciliation 99%+ sem planilhas

Reconciliation automatic de transações, split, taxas e liquidações — divergências sinalizadas in real time for the tenant.

Operation Without Fund Custody

Splits executados diretamente pelas registradoras (CERC, Nuclea etc), acquirers e subacquirers. Ezcale é technology, not toca no dinheiro.

Rules Automation

Configure split rules once and apply automatically to all transactions. No manual intervention, no typing errors.

Transparency Total

Each participant sees exactly how much they will receive, when and why. Detailed reports with complete traceability.

Flexibility na Configuration

Adjust percentages, add participants or change rules before settlement. System adapts to your business model.

Compliance e Auditoria

Immutable logs of all operations. Reports ready for BACEN and Federal Revenue. Guaranteed regulatory compliance.

Simplified Management

Single dashboard to monitor all splits. View pending items, settlements and discrepancies in real time.

Client Experience

Recipients access their own portal to track their values. Automatic notifications via email and webhook.

Automation and efficiency

Eliminates the need for manual transfers, automating the split of sales values. Isso otimiza a gare financial, reduz erros e fraudes, e aumenta a scalability do negócio.

Transparency

Ensures that each transaction participant receives the correct amount clearly, whether in a marketplace, franchise or other business model.

Flexibility e customization

Allows configuring payment split rules according to business needs, such as splitting by percentage or fixed value, both at the time of the transaction (a priori) and after its completion (a posteriori).

Compliance fiscal

Helps avoid double taxation, as values are distributed directly to recipients without passing through a single account, which can generate additional costs and hurt profitability.

Enhanced management

Offers features such as the ability to change the split of a value after the transaction in case of unforeseen events or to adjust fees, in addition to allowing partial cancellation of a sale without affecting the rest of the operation.

Consumer experience

By allowing the customer to make a single payment, the shopping experience becomes simpler, whether in an online or physical environment.

Flexibility

Configure Split at Any Time

Set rules before, during or up to 1 day before settlement

PRE-CAPTURE

Before Capture

Configure split_rules at checkout. Automatic split on approval.

→
REAL TIME

At Transaction Time

Split configured during processing. For dynamic rules.

→
UP TO D-1

After the Sale

Didn't know the recipient at sale time? Define split up to D-1 before settlement.

Real Example

Marketplace processes R$ 1,000 sale without defining split. 2 days later, seller and platform negotiate 75/25 split. System applies rules up to D-1 before settlement — transaction already approved, split defined later.

Transparency

Complete Statement for Merchant and Accounting

All reports needed for accountability

Detailed Statement

Visualization complete: amountes recebidos, a receive, splits aplicados, taxas descontadas, antecipações realizadas. Filtros por período, método e status.

Agenda de Receivables

Cronograma financial com datas de liquidação: D+1, D+30, ou customizadas. Merchant sabe exatamente when cada venda vai cair na conta.

Receivables Anticipation

Solicite anticipation total ou parcial de amountes futuros. Sistema simula automaticamente custo e desconto aplicado. Transparency total no extrato.

Reports Contábeis

Journal entries completes (6.9 por TX), balancete, DRE, razão analítico. Exportação em CSV/Excel para integration com ERP e contabilidade.

Compliance Regulatório

Documentation complete para auditorias BACEN, Receita Federal e organismos reguladores. Rastreabilidade de cada centavo movimentado.

Apuração Fiscal Precisa

Reports consideram only amountes efetivamente creditados. Split e retenções are calculados corretamente para base tax. Consulte seu contador.

Importante: A Ezcale fornece reports técnicos e contábeis detalhados. A interpretação fiscal e tax deve ser feita por contador habilitado. Not fornecemos consultoria fiscal.

TECH DEEP DIVE

Arquitetura Preparada para Escala

Performance e reliability in each camada do sistema

<200ms
Tempo médio de processamento

Split calculado, validado e commitado em banco em less de 200ms. P95: 280ms.

6.9
Journal entries per transaction

Double-entry contábil complete. Cada split gera débito + crédito balanceados.

99.3%
Reconciliation automatic

Sistema compara com gateway automaticamente. Divergência < R$ 0,50 alertada.

R$ 1bi
Projetado para 2026

Infraestrutura validada em produção. Crescimento exponencial sem degradação.

+ de 450
Conectores available

Integrations com principais gateways, acquirers e processadores do mercado.

Stack & Arquitetura

Multi-Tenant Rigoroso

Isolamento por idCustomer em all queries. Zero chance de leak between tenants. Sharding preparado.

Transaction Processor V5

Engine assíncrono para splits. Idempotência garantida via transaction_id. Retry automatic em falhas.

Double-Entry Ledger

Contabilidade partidas dobradas nativa. Toda transfer gera débito + crédito. Sempre balanceado.

Reconciliation Universal

Compara automaticamente com Stone, Adyen, Zoop. Detecta divergências in real time. Alertas intelligents.

Auditoria Completa

Cada operação gera log imutável. Rastreabilidade de ponta a ponta. Compliance BACEN/Receita Federal.

Cluster Batch Processing

Agrupa 1.000+ transfers em lote. Envia arquivo single via PIX/TED/CNAB. Economia operational massiva.

Schema Otimizado

SRTransfersNew

Split de cada recebedor. 1 transação com 3 splits = 3 rows. idParent agrupa.

SRJournalEntries

Contabilidade double-entry. 6.9 entries/TX em média. Débito always = Crédito.

MDRList

Hierarquia de comissionamento. idSuper define pai-filho. Cálculo automatic.

SRReconciliation

Match between Ezcale e gateway. Detecta divergências < R$ 0,50. Auto-resolve 99%+.

Performance em Produção

  • 127ms mediana de split processado (P50)
  • 280ms P95 incluindo commit no banco
  • R$ 1bi projetado 2026
  • + de 450 conectores (Webhooks/APIs)
  • Zero perda de dados since 2019
  • Sharding-ready para próximos 100M TX/ano
Use Cases

Construído para Cenários Complexos

Companys reais processing bilhões com split intelligent

Marketplace Multi-Vendor

Pizza R$ 89,90 → R$ 62,93 merchant + R$ 17,98 plataforma + R$ 8,99 distributor. Automático em 127ms.

Distributor com Canal

50 merchants processam R$ 234k/mês. Sistema calcula 10% de comisare (R$ 23,4k) via idSuper automaticamente.

Delivery 4-Way Split

R$ 50 dividido em restaurante + betweengador + app + cupom. 4 recebedores em uma single chamada de API.

E-commerce com Afiliados

Venda R$ 200: 60% loja + 25% estoque + 10% afiliado + 5% plataforma. Gorjeta configurable no checkout.

FAQ

Perguntas Frequentes

How it works o split para marketplaces?

Posso ter mais de 3 recebedores?

How it works o comissionamento hierarchical?

O que é double-entry e por que 6.9 entries?

Ezcale segura o dinheiro?

Quando o dinheiro cai na conta?

Ready to Automatizar Seus Splits?

Junte-se a companies que processam bilhões com split intelligent. Setup in days, not meses.

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