Flutterwave enables you to split the payments received for goods and services between your bank account and other accounts. The split payment option is only available via payment links, Flutterwave APIs and SDKs.

You need to create a sub-account before you can split payments. A sub-account is simply an additional bank account registered on your Flutterwave account to receive split payments. You can create as many sub-accounts as you want.

How to create a sub-account:

1. Click "Subaccounts" on the left side of your dashboard then click "Subaccounts" just under the ‘Overview tab’.

2. Click the ‘Add subaccount’ button.

   

3. Enter the details of the subaccount then click "Create subaccount"

   

4. After creating the subaccount, you can click on it to see its details and the transactions you've received into it.

How to split payments with payment links

You can only split payments for a single charge payment link. You can't use it for subscription links or donations. To split payment for a payment link

1. Click on "Payments" on the left side of your dashboard then click "Payment links"

2. Click "New payment link", select "Single charge" then select "Create payment link"

3. Enter the payment link details then click "Show additional details"

   

4. Select the dropdown under "Split payment with subaccount", then select the subaccount you want to split the payments with

   

5. Confirm all the details of the payment link then click the "Create link" button

How to split payments with Flutterwave APIs & SDKs

When the subaccounts are created, they are automatically assigned an ID. You can include these IDs in any charge request payload and the payment will automatically be split between your bank account and the specified subaccounts. An example payload is shown below.

{   "PBFPubKey": "FLWPUBK-4e581ebf8372cd691203b27227e2e3b8-X",   "cardno": "5438898014560229",   "cvv": "890",   "expirymonth": "09",   "expiryyear": "19",   "currency": "NGN",   "country": "NG",   "amount": "10",   "email": "user@gmail.com",   "phonenumber": "0902620185",   "firstname": "temi",   "lastname": "desola",   "subaccounts": [     {       "id": "RS_D87A9EE339AE28BFA2AE86041C6DE70E",       "transaction_split_ratio": "2"     },     {       "id": "RS_344DD49DB5D471EF565C897ECD67CD95",       "transaction_split_ratio": "3"     },     {       "id": "RS_839AC07C3450A65004A0E11B83E22CA9",       "transaction_split_ratio": "5"     }   ],   "IP": "355426087298442",   "txRef": "MC-",   "meta": [     {       "metaname": "flightID",       "metavalue": "123949494DC"     }   ],   "IP": "355426087298442",   "txRef": "MC-" + Date.now(),// your unique merchant reference   "redirect_url": "https://rave-webhook.herokuapp.com/receivepayment",   "device_fingerprint": "69e6b7f0b72037aa8428b70fbe03986c" }

Note: The split payment feature can only be used if your settlement option is set to automatic and not manual settlement.

For all transactions of NGN 10,000 and above, a CBN stamp duty fee of NGN 50 will be charged and debited from the settlement amount. If you set up your subaccount to receive a flat amount and your settlement amount is less than the flat amount, there will not be a split payment. Instead, the entire settlement amount will be sent to your main account.

For example, if you receive a transaction of NGN 15,000 and your subaccount is set to set to receive a flat amount of NGN 14,960, your subaccount will not be able to receive any amount for this transaction.

This is because after the CBN stamp duty of NGN 50 is debited, your settlement will become NGN 14,950 which is less than what you’ve set for the subaccount to receive. In a case like this, your settlement will be sent to your main account.