# Split Transactions

Learn how to split a transaction across multiple sellers or recipients.

Split transactions
When processing an online payment or transaction, you can split the funds that get paid out across several different sellers.

Specifically, the funds from `Transfers` can be split across any number of approved `Merchants.` Please note:

- `Transfers` can only be split between `Merchants` created under the same `Application.`
- Each `split_transfer` is placed into the `Settlement` of the `split_transfers#merchant.`
- No changes need to be made to your `Application` or `Merchants` to enable Split Transactions.


## Splitting a Transfer across Sellers

### Finix API

To split a transaction, [when creating the `Transfer`](/api/transfers/createtransfer) include:

- The **ID** of the `Merchants` that the funds will get split across.
- The `amount` to distribute into the `Settlements` of each `Merchant.`


The combined `amounts` in the `split_transfers` object must be equal to the `amount` of the `Transfer.`

In the following example, a $10.00 `Transfer` is split so:

- The primary merchant receives $6.00 (before subtracting processing fees)
- The second merchant receives $3.00 (before subtracting processing fees)
- The third merchant receives $1.00 (before subtracting processing fees)


Processing fees get deducted when `Merchants` receive their payouts. For more details, see [Payouts](/guides/platform-payments/seller-payouts).

Please note, the primary merchant is the `merchant` specified in the parent `Transfer` request; outside the `split_transfers` object.


```shell
curl 'https://finix.sandbox-payments-api.com/transfers' \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -X POST \
    -d '{
        "amount": 1000,
        "currency": "USD",
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "source": "PIe2YvpcjvoVJ6PzoRPBK137",
        "split_transfers": [
            {
                "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "amount": 600,
                "tags": {
                    "key": "value"
                }
            },
            {
                "merchant": "MUeHUEPKybMjqV1STcqrFTSH",
                "amount": 300,
                "fee": 100
            },
            {
                "merchant": "MU3Gh6DT5fCBxVtWB8VJc1St",
                "amount": 100
            }
        ],
        "tags": {
            "test": "sale"
        }
    }'
```

Example response:


```json
{
    "id": "TR7mf5xW2FwezkGmBPdHXVpi",
    "created_at": "2023-08-10T21:16:41.57Z",
    "updated_at": "2023-08-10T21:16:44.11Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": null,
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "destination": null,
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "idempotency_id": null,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "ready_to_settle_at": null,
    "receipt_last_printed_at": null,
    "security_code_verification": null,
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "split_transfers": [
        "split_transfer_7nfcfAAuYNMLjHrZqZ1Yi4",
        "split_transfer_7ng4V9b9wcFqQ6LaUct3HK",
        "split_transfer_7ng5bY47roz8yzush1MPqe"
    ],
    "state": "SUCCEEDED",
    "statement_descriptor": "FNX*DUNDER MIFFLIN",
    "subtype": "API",
    "tags": {
        "test": "sale"
    },
    "trace_id": "ab240c39-e71f-4061-aae0-d55edfd9503a",
    "type": "DEBIT",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR7mf5xW2FwezkGmBPdHXVpi"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR7mf5xW2FwezkGmBPdHXVpi/payment_instruments"
        },
        "reversals": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR7mf5xW2FwezkGmBPdHXVpi/reversals"
        },
        "fees": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR7mf5xW2FwezkGmBPdHXVpi/fees"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR7mf5xW2FwezkGmBPdHXVpi/disputes"
        },
        "source": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
        }
    }
}
```

##### HTTP Request

`POST https://finix.sandbox-payments-api.com/transfers`

##### Request Arguments

| Field | Type | Description |
|  --- | --- | --- |
| `amount` | *integer*, **required** | The total amount that will be debited in cents (e.g. 100 cents to debit $1.00) |
| `currency` | *string*, **required** | 3-letter ISO code designating the currency of the `Transfers` (e.g. USD) |
| `idempotency_id` | *string*, **optional** | A randomly generated value that you want to be associated with the request |
| `merchant` | *string*, **required** | ID of the primary `Merchant` that's processing the `Transfer` for the buyer. |
| `source` | *string*, **required** | ID of the `Payment Instrument` that will be debited |
| `split_transfers` | *array*, **required** | An array of objects you use to detail how the Transfer will get split and the amount Merchants should receive.The sum of the `split_transfer#amounts` must be equal to the amount submitted in the Transfer request. |
| `tags` | *object*, **optional** | Key value pair for annotating custom metadata (e.g. order numbers) |


##### Request Arguments - Split Transfers Object

| Field | Type | Description |
|  --- | --- | --- |
| `amount` | *integer*, **required** | The amount of funds that get split and paid out to the specifiedMerchant.Must be less than or equal to the `amount` of the Transfer.The sum of the `split_transfer#amounts` must equal the `amount` in the parent `Transfer.` |
| `fee` | *integer*, **optional** | The minimum amount of the `split_transfer` you'd like to collect as your fee in cents. Defaults to zero (must be less than or equal to the `amount` being split for the specified `Merchant`).Please note, for split transaction,`fees` are only supported when included in the `split_transfers` object. |
| `merchant` | *string*, **required** | The ID of the Merchant that will receive the specified `amount` under the `split_transfers` object.In Split Transfers, the primary Merchants is specified outside the split_transfers object. |
| `tags` | *object*, **optional** | Key value pair for annotating custom metadata (e.g. order numbers) |


#### Split Transfers

The `split_transfers` array returned in the response contains the resource **IDs** of the `split_transfers` generated from the `Transfer` that was split.

Use the **ID** to review how the transaction was split for the specified `Merchant.`


```shell
curl "https://finix.sandbox-payments-api.com/split_transfers/split_transfer_2mrYGrTdRiWiLLQU1dkMWX" \
    -H "Content-Type: application/json" \
    -H "Finix-Version: 2022-02-01" \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e
```

Example response:


```json
{
    "id": "split_transfer_2mrYGrTdRiWiLLQU1dkMWX",
    "created_at": "2023-08-08T20:27:49.36Z",
    "updated_at": "2023-08-08T20:27:49.36Z",
    "amount": 600,
    "application_id": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "fee": 0,
    "fee_profile_id": "FPbDSnEPtaT8Nttxj9NJk7eC",
    "identity_id": "IDuqZpDw28f2KK6YuDk4jNLg",
    "merchant_id": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "parent_transfer_id": "TR2kKxKDu2nJCvjD2djuDktv",
    "ready_to_settle_at": "2023-08-08T20:27:50.22Z",
    "tags": {
        "key": "value"
    },
    "type": "DEBIT"
}
```

#### Split Transfer Response

| Field | Type | Description |
|  --- | --- | --- |
| `id` | *string* | The unique ID of the `split_transfer` object. |
| `created_at` | *string* | The date and time the `split_transfer` was created. |
| `updated_at` | *string* | The date and time the `split_transfer` was last updated. |
| `amount` | *string* | The amount allocated to this `Merchant` in the `split_transfer.` |
| `fee` | *integer* | The minimum amount of the `Transfer` you'd like to collect as your fee in cents. Defaults to zero (must be less than or equal to the `amount` in the parent `Transfer`). |
| `currency` | *string* | ISO 4217 three-letter currency code for the `split_transfer.` |
| `parent_transfer_id` | *string* | **ID** of the original parent `Transfer` where the split was defined. |
| `ready_to_settle_at` | *string* | Timestamp of when the `split_transfer` is ready to be settled at. |
| `merchant_id` | *string* | The ID of the Merchant that received the `split_transfer.` |
| `fee_profile_id` | *string* | The `fee_profile` associated to this `split_transfer.` |
| `application_id` | *string* | The `application_id` associated to this `split_transfer.` |
| `tags` | *object* | Key value pair for annotating custom metadata (e.g. order numbers). |


### Finix Dashboard

Split Transactions appear on the Finix Dashboard under **Payments**.

You can identify Split Transactions using the **Payment Type** in the **Amount** column:

Identify split transactions
Click on the individual entry to review the Split Transaction in detail:

View split transactions
## Splitting a Capture across Sellers

### Step 1: Create an Authorization

The first step is to create an Authorization. If you are interested in learning more about Authorizations, you can read our guide [here](/guides/online-payments/payment-features/auth-and-captures).


```shell
curl 'https://finix.sandbox-payments-api.com/authorizations' \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -X POST \
    -d '{
        "amount": 1000,
        "currency": "USD",
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "source": "PIe2YvpcjvoVJ6PzoRPBK137"
    }'
```

Example Response:


```json
{
    "id": "AUirsgFc8drp1LPzNFcxP2r",
    "created_at": "2024-03-15T20:47:09.60Z",
    "updated_at": "2024-03-15T20:47:09.60Z",
    "3ds_redirect_url": null,
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "additional_purchase_data": null,
    "address_verification": "POSTAL_CODE_AND_STREET_MATCH",
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "expires_at": "2024-03-22T20:47:09.60Z",
    "failure_code": null,
    "failure_message": null,
    "idempotency_id": null,
    "is_void": false,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "receipt_last_printed_at": null,
    "security_code_verification": "MATCHED",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "state": "SUCCEEDED",
    "tags": {},
    "trace_id": "a4f7612f-a09e-4c35-ae92-9a1f44fcd2a7",
    "transfer": null,
    "void_state": "UNATTEMPTED",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/authorizations/AUirsgFc8drp1LPzNFcxP2r"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        }
    }
}
```

### Step 2: Create a Capture

When you capture an `Authorization`, Finix creates a `Transfer` resource.

You can capture an Authorization by using the following API. The `split_transfers` array is optional. If you omit the `split_transfer` array, the Capture will not be split.


```shell
curl 'https://finix.sandbox-payments-api.com/authorizations/AUirsgFc8drp1LPzNFcxP2r' \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -X PUT \
    -d '{
        "capture_amount": 1000,
        "split_transfers": [
            {
                "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "amount": 600,
                "tags": {
                    "key": "value"
                }
            },
            {
                "merchant": "MUeHUEPKybMjqV1STcqrFTSH",
                "amount": 300,
                "fee": 100
            },
            {
                "merchant": "MU3Gh6DT5fCBxVtWB8VJc1St",
                "amount": 100
            }
        ]
    }'
```

**Example Authorization Response:**


```json
{
    "id": "AUirsgFc8drp1LPzNFcxP2r",
    "created_at": "2024-03-15T20:47:09.60Z",
    "updated_at": "2024-03-15T20:56:38.31Z",
    "3ds_redirect_url": null,
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "additional_purchase_data": null,
    "address_verification": "POSTAL_CODE_AND_STREET_MATCH",
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "expires_at": "2024-03-22T20:47:09.60Z",
    "failure_code": null,
    "failure_message": null,
    "idempotency_id": null,
    "is_void": false,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "receipt_last_printed_at": null,
    "security_code_verification": "MATCHED",
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "state": "SUCCEEDED",
    "tags": {},
    "trace_id": "a4f7612f-a09e-4c35-ae92-9a1f44fcd2a7",
    "transfer": "TRs2sPQ9pd8nr4BRprsXy78H",
    "void_state": "UNATTEMPTED",
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/authorizations/AUirsgFc8drp1LPzNFcxP2r"
        },
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "transfer": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRs2sPQ9pd8nr4BRprsXy78H"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        }
    }
}
```

The `authorization#transfer` field returns the `Transfer` created from the captured `Authorization`.

**Example Transfer Response:**


```json
{
    "id": "TRs2sPQ9pd8nr4BRprsXy78H",
    "created_at": "2024-03-15T20:56:38.16Z",
    "updated_at": "2024-03-15T20:57:00.73Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "additional_purchase_data": null,
    "address_verification": null,
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "destination": null,
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "idempotency_id": null,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "parent_transfer": null,
    "parent_transfer_trace_id": null,
    "raw": null,
    "ready_to_settle_at": "2024-03-15T20:57:00.82Z",
    "receipt_last_printed_at": null,
    "security_code_verification": null,
    "source": "PIe2YvpcjvoVJ6PzoRPBK137",
    "split_transfers": [
        "split_transfer_hkckq21uy6qWWYzcS2e14r",
        "split_transfer_hkdqpd4mSGTGbAhsPuFubF",
        "split_transfer_hkdqFSfgCtWdRcVjwWxfyZ"
    ],
    "state": "SUCCEEDED",
    "statement_descriptor": "FNX*DUNDER MIFFLIN",
    "subtype": "API",
    "tags": {},
    "trace_id": "a4f7612f-a09e-4c35-ae92-9a1f44fcd2a7",
    "type": "DEBIT",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRs2sPQ9pd8nr4BRprsXy78H"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRs2sPQ9pd8nr4BRprsXy78H/payment_instruments"
        },
        "reversals": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRs2sPQ9pd8nr4BRprsXy78H/reversals"
        },
        "fees": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRs2sPQ9pd8nr4BRprsXy78H/fees"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRs2sPQ9pd8nr4BRprsXy78H/disputes"
        },
        "source": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
        }
    }
}
```

Inside the `Transfer`, the `transfers#split_transfers` array contains the `split_transfers` when you captured the Authorization.

## Splitting a Card Present Transaction


```shell
curl 'https://finix.sandbox-payments-api.com/transfers' \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -u USfdccsr1Z5iVbXDyYt7hjZZ:313636f3-fac2-45a7-bff7-a334b93e7bda \
    -X POST \
    -d '{
        "amount": 300,
        "currency": "USD",
        "device": "DVae7HFLS7BXNaFpKhdH1K6x",
        "operation_key": "CARD_PRESENT_DEBIT",
        "split_transfers": [
            {
                "merchant": "MUmfEGv5bMpSJ9k5TFRUjkmm",
                "amount": 200,
                "tags": {
                    "key": "value"
                }
            },
            {
                "merchant": "MUcgYZswyRfqSSbvMsxuaHxZ",
                "amount": 100,
                "fee": 10
            }
        ],
        "tags": {
            "test": "sale"
        }
    }'
```

Example response:


```json
{
    "id": "TRtAsvgPKhGcJJtrV8fAXUgC",
    "created_at": "2025-03-04T16:08:12.55Z",
    "updated_at": "2025-03-04T16:08:12.55Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "additional_purchase_data": null,
    "address_verification": null,
    "amount": 300,
    "amount_requested": 300,
    "application": "APc9vhYcPsRuTSpKD9KpMtPe",
    "card_present_details": {
        "emv_data": {
            "application_identifier": "A0000000031010",
            "application_label": "VISA CREDIT",
            "application_preferred_name": null,
            "application_transaction_counter": "00D0",
            "cryptogram": "ARCQ 99902411B7B0B26E",
            "issuer_code_table_index": null,
            "network_emv_response": null,
            "pin_verified": false,
            "tags": null
        },
        "masked_account_number": "476173******0010",
        "name": null,
        "brand": "VISA",
        "entry_mode": "CONTACTLESS",
        "payment_type": "CREDIT",
        "approval_code": "956682",
        "digital_signature_file_id": null
    },
    "currency": "USD",
    "destination": null,
    "device": "DVae7HFLS7BXNaFpKhdH1K6x",
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "fee_profile": "FPuizPqrhzYLbmJm88u7aqfj",
    "idempotency_id": null,
    "merchant": "MUmfEGv5bMpSJ9k5TFRUjkmm",
    "merchant_identity": "ID6UfSm1d4WPiWgLYmbyeo3H",
    "messages": [],
    "operation_key": "CARD_PRESENT_SALE",
    "parent_transfer": null,
    "parent_transfer_trace_id": null,
    "raw": null,
    "ready_to_settle_at": null,
    "receipt_last_printed_at": null,
    "security_code_verification": null,
    "source": "PIkXKGqRMswqxKN9YbnRir26",
    "split_transfers": [
        "split_transfer_tAVzHxjXfXFdTx7XtLZgUZ",
        "split_transfer_tAVJEs5ZaNu6iAJDbtdTYs"
    ],
    "state": "SUCCEEDED",
    "statement_descriptor": "FLX*FINIX FLOWERS",
    "subtype": "API",
    "supplemental_fee": null,
    "tags": {
        "test": "sale"
    },
    "tip_amount": 0,
    "trace_id": "e3ecb181-3c00-4ade-805b-6b35bb85eb61",
    "type": "DEBIT",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APc9vhYcPsRuTSpKD9KpMtPe"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRtAsvgPKhGcJJtrV8fAXUgC"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/ID6UfSm1d4WPiWgLYmbyeo3H"
        },
        "device": {
            "href": "https://finix.sandbox-payments-api.com/devices/DVae7HFLS7BXNaFpKhdH1K6x"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRtAsvgPKhGcJJtrV8fAXUgC/payment_instruments"
        },
        "reversals": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRtAsvgPKhGcJJtrV8fAXUgC/reversals"
        },
        "fees": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRtAsvgPKhGcJJtrV8fAXUgC/fees"
        },
        "disputes": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TRtAsvgPKhGcJJtrV8fAXUgC/disputes"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPuizPqrhzYLbmJm88u7aqfj"
        }
    }
}
```

##### HTTP Request

`POST https://finix.sandbox-payments-api.com/transfers`

##### Request Arguments

| Field | Type | Description |
|  --- | --- | --- |
| `amount` | *integer*, **required** | The total amount that will be debited in cents (e.g. 100 cents to debit $1.00) |
| `currency` | *string*, **required** | 3-letter ISO code designating the currency of the `Transfers` (e.g. USD) |
| `idempotency_id` | *string*, **optional** | A randomly generated value that you want to be associated with the request |
| `device` | *string*, **required** | ID of the primary `Device` that's processing the `Transfer` for the buyer |
| `split_transfers` | *array*, **required** | An array of objects you use to detail how the Transfer will get split and the amount Merchants should receive.The sum of the `split_transfer#amounts` must be equal to the amount submitted in the Transfer request. |
| `tags` | *object*, **optional** | Key value pair for annotating custom metadata (e.g. order numbers) |
| `operation_key` | *string*, **required** | The operation key for the `Transfer` |


##### Request Arguments - Split Transfers Object

| Field | Type | Description |
|  --- | --- | --- |
| `amount` | *integer*, **required** | The amount of funds that get split and paid out to the specifiedMerchant.Must be less than or equal to the `amount` of the Transfer.The sum of the `split_transfer#amounts` must equal the `amount` in the parent `Transfer.` |
| `fee` | *integer*, **optional** | The minimum amount of the `split_transfer` you'd like to collect as your fee in cents. Defaults to zero (must be less than or equal to the `amount` being split for the specified `Merchant`).Please note, for split transaction,`fees` are only supported when included in the `split_transfers` object. |
| `merchant` | *string*, **required** | The ID of the Merchant that will receive the specified `amount` under the `split_transfers` object.In Split Transfers, the primary Merchants is specified outside the split_transfers object. |
| `tags` | *object*, **optional** | Key value pair for annotating custom metadata (e.g. order numbers) |


## Refunding Split Transactions

Refund Split Transactions by following the usual steps to refund transactions in Finix. For more information, see [Refund](/guides/after-the-payment/refunds/).

When processing a refund, you can split the funds across the `Merchants` included in the original `Transfer` so they get paid off across the different sellers.

Please note, the `amount` refunded to each seller can't exceed the `amount` in the parent `Transfer.`


```shell
curl 'https://finix.sandbox-payments-api.com/transfers/TR2kKxKDu2nJCvjD2djuDktv/reversals' \
    -H 'Content-Type: application/json' \
    -H 'Finix-Version: 2022-02-01' \
    -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -X POST \
    -d '{
        "refund_amount": 1000,
        "split_transfers": [
            {
                "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
                "amount": 600,
                "tags": {
                    "key": "value"
                }
            },
            {
                "merchant": "MUeHUEPKybMjqV1STcqrFTSH",
                "amount": 300
            },
            {
                "merchant": "MU3Gh6DT5fCBxVtWB8VJc1St",
                "amount": 100
            }
        ],
        "tags": {
            "test": "refund"
        }
    }'
```

Example response:


```json
{
    "id": "TR7KSrpZWc9UoB6bcxqYu978",
    "created_at": "2023-08-08T20:29:14.88Z",
    "updated_at": "2023-08-08T20:29:14.98Z",
    "additional_buyer_charges": null,
    "additional_healthcare_data": null,
    "address_verification": null,
    "amount": 1000,
    "amount_requested": 1000,
    "application": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "destination": "PIe2YvpcjvoVJ6PzoRPBK137",
    "externally_funded": "UNKNOWN",
    "failure_code": null,
    "failure_message": null,
    "fee": 0,
    "idempotency_id": null,
    "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "merchant_identity": "IDuqZpDw28f2KK6YuDk4jNLg",
    "messages": [],
    "raw": null,
    "ready_to_settle_at": null,
    "receipt_last_printed_at": null,
    "security_code_verification": null,
    "source": null,
    "split_transfers": [
        "split_transfer_8DUfRhXpZDiM6rZcyfNGGD",
        "split_transfer_8DUgkBtytEtSPQKKCCmG3m",
        "split_transfer_8DUgvBbUwJiN2pWw6P4cMH"
    ],
    "state": "PENDING",
    "statement_descriptor": "FNX*DUNDER MIFFLIN",
    "subtype": "API",
    "tags": {
        "test": "refund"
    },
    "trace_id": "dfc18365-d862-46e0-8acb-9c290a1aed7b",
    "type": "REVERSAL",
    "_links": {
        "application": {
            "href": "https://finix.sandbox-payments-api.com/applications/APgPDQrLD52TYvqazjHJJchM"
        },
        "self": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR7KSrpZWc9UoB6bcxqYu978"
        },
        "parent": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR2kKxKDu2nJCvjD2djuDktv"
        },
        "destination": {
            "href": "https://finix.sandbox-payments-api.com/payment_instruments/PIe2YvpcjvoVJ6PzoRPBK137"
        },
        "merchant_identity": {
            "href": "https://finix.sandbox-payments-api.com/identities/IDuqZpDw28f2KK6YuDk4jNLg"
        },
        "payment_instruments": {
            "href": "https://finix.sandbox-payments-api.com/transfers/TR7KSrpZWc9UoB6bcxqYu978/payment_instruments"
        },
        "fee_profile": {
            "href": "https://finix.sandbox-payments-api.com/fee_profiles/FPvCQUcnsueN3Bc3zR1qCBG8"
        }
    }
}
```

Example response:


```json
{
    "id": "split_transfer_8DUfRhXpZDiM6rZcyfNGGD",
    "created_at": "2023-08-08T20:29:15.08Z",
    "updated_at": "2023-08-08T20:29:15.08Z",
    "amount": 600,
    "application_id": "APgPDQrLD52TYvqazjHJJchM",
    "currency": "USD",
    "fee": 0,
    "fee_profile_id": "FPbDSnEPtaT8Nttxj9NJk7eC",
    "identity_id": "IDuqZpDw28f2KK6YuDk4jNLg",
    "merchant_id": "MUeDVrf2ahuKc9Eg5TeZugvs",
    "parent_transfer_id": "TR7KSrpZWc9UoB6bcxqYu978",
    "ready_to_settle_at": null,
    "tags": {
        "key": "value"
    },
    "type": "CREDIT"
}
```

## Settlements and Payouts

Every `split_transfer` gets placed into a `Settlement.` `Merchants` get paid out when `Settlements` are approved. For more information, see our Platform Payments guide on [Payouts](/guides/platform-payments/seller-payouts).

### Settlement Entries

To query all the transactions for a specific settlement, use the following API:


```shell
curl "https://finix.sandbox-payments-api.com/settlements/STivxR2KrnVdD75TQtitnsG8/entries" \
  -H "Finix-Version: 2022-02-01" \
  -u USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e
```

Example Response:


```json
{
    "_embedded": {
        "settlement_entries": [
            {
                "id": "SEix6ptbScYkWFN1id25KbN5",
                "created_at": "2022-08-12T21:41:42.36Z",
                "updated_at": "2022-08-12T21:41:42.36Z",
                "amount": 100,
                "currency": "USD",
                "entity_id": "TR8yiKY6ju988aUZhfqJFjag",
                "entity_type": "TRANSFER",
                "should_fund": true,
                "subtype": "FEE",
                "_links": {
                    "self": {
                        "href": "https://finix.sandbox-payments-api.com/STivxR2KrnVdD75TQtitnsG8/entries/SEix6ptbScYkWFN1id25KbN5"
                    },
                    "entries": {
                        "href": "https://finix.sandbox-payments-api.com/settlement_engine/settlement/STivxR2KrnVdD75TQtitnsG8"
                    }
                }
            },
            {
                "id": "SEiwmJxC3u8gfPuLiwMSrn1a",
                "created_at": "2022-08-12T21:41:42.18Z",
                "updated_at": "2022-08-12T21:41:42.18Z",
                "amount": 2,
                "currency": "USD",
                "entity_id": "TRwgubpxAJWbaDZE1kKP6SSi",
                "entity_type": "TRANSFER",
                "should_fund": true,
                "subtype": "FEE",
                "_links": {
                    "self": {
                        "href": "https://finix.sandbox-payments-api.com/STivxR2KrnVdD75TQtitnsG8/entries/SEiwmJxC3u8gfPuLiwMSrn1a"
                    },
                    "entries": {
                        "href": "https://finix.sandbox-payments-api.com/settlement_engine/settlement/STivxR2KrnVdD75TQtitnsG8"
                    }
                }
            },
            {
                "id": "SEivAwLLW6c62Nbvvj7TcDAN",
                "created_at": "2022-08-12T21:41:41.99Z",
                "updated_at": "2022-08-12T21:41:41.99Z",
                "amount": 100,
                "currency": "USD",
                "entity_id": "TRm9ppvqX43CbwmNzhckf2gb",
                "entity_type": "TRANSFER",
                "should_fund": true,
                "subtype": "DEBIT",
                "_links": {
                    "self": {
                        "href": "https://finix.sandbox-payments-api.com/STivxR2KrnVdD75TQtitnsG8/entries/SEivAwLLW6c62Nbvvj7TcDAN"
                    },
                    "entries": {
                        "href": "https://finix.sandbox-payments-api.com/settlement_engine/settlement/STivxR2KrnVdD75TQtitnsG8"
                    }
                }
            }
        ]
    },
    "_links": {
        "self": {
            "href": "https://finix.sandbox-payments-api.com/settlements/STivxR2KrnVdD75TQtitnsG8/entries"
        },
        "next": {
            "href": "https://finix.sandbox-payments-api.com/settlements/STivxR2KrnVdD75TQtitnsG8/entries?after_cursor=SEivAwLLW6c62Nbvvj7TcDAN"
        }
    },
    "page": {
        "limit": 100,
        "next_cursor": "SEivAwLLW6c62Nbvvj7TcDAN"
    }
}
```

#### Response

| Field | Type | Description |
|  --- | --- | --- |
| `id` | *string*, | ID of the `Settlement Entry` |
| `amount` | *integer* | Amount of the `Entry` |
| `attempt_bank_account_validation_check` | *boolean*, **required** | Set to **true** to request a bank account validation. |
| `currency` | *string* | Currency of the `Entry` |
| `entity_id` | *string* | ID of the entity. For example, this can be the `id` of a `Transfer` or `Split Transfer`. |
| `should_fund` | *boolean* | Whether this entry will get paid out as part of the `funding_transfer` calculations. |
| `entity_type` | *string* | Type of Entity. Values include `TRANSFER`, `SPLIT_TRANSFER`, `CUSTOM_FEE`. |
| `sub_type` | *string* | Subtype of the Entity. Values include `DEBIT`, `CREDIT`, `CUSTOM`, `FEE`, `REVERSAL`, `ADJUSTMENT`, and `DISPUTE`. |


## Fees

Processing fees for split transactions get created according to:

- The fee profile created for the `Merchant.` For more details, see [Fee Profiles](/api/fee-profiles).
- Any fees included in `split_transfer#fee` when the initial `Transfer` was first created. For more information, see [Create a Transfer.](/api/transfers/createtransfer)
- If `charge_interchange` is enabled in the seller's `fee_profile,` they'll be charged interchange for the full transaction amount.


## Disputes

If a buyer disputes a transaction split across multiple sellers, a `Dispute` only gets created for the primary `Merchant.`

For more information, see [Disputes.](/guides/after-the-payment/disputes/)