One order · bank + card + wallet · one payout

One checkout.
Every way to pay.

Let customers split a single order across bank, card, and wallet — and settle it all into one reconciled payout. Buyers who couldn't cover a purchase on one method finish it instead of leaving — and you get lower fees, fewer chargebacks, one clean settlement.

3
Rails in one checkout
1
Reconciled payout
<1 day
To go live
CheckoutSplit Pay
Order total$248.00
Bank account$99.20
Card$79.36
Wallet balance$69.44
Paid in full · one payout
Fees saved
$4.28 / order
Try it yourself

Split one order across every way to pay

Drag the handles to move money between rails. Watch the merchant's processing fee drop in real time — then run the payment.

Order total
$248.00

Drag the two handles — or focus one and use arrow keys.

Bank account· 40%
ACH · cheapest rail
$99.20
Card· 32%
Visa · Mastercard
$79.36
Wallet· 28%
Balance & rewards
$69.44
Merchant processing fee
All-on-card
$7.49
With Split Pay
$4.44
You save on this order
$3.06
41% lower fees · route more to bank to save more

One checkout. 3 methods. No juggling.

Tokenized & encrypted per slice. Nothing stored by the merchant.

Interactive illustration. Fee figures are representative of typical card vs. bank/wallet rail costs and are for demonstration only.

For merchants

Grow revenue while you cut costs.

Split Pay turns 'I can't cover it right now' into a completed sale — and routes each order across the rails that cost you the least.

Higher conversion, fewer abandoned carts

Buyers who can't cover a purchase on one method complete it instead of leaving.

One reconciled payout

No matter how many methods a customer combines, you get a single, clean settlement.

Lower processing costs

Route portions to cheaper rails like bank transfers instead of paying card fees on the full amount.

Less fraud, fewer chargebacks

Per-slice authorization and risk checks catch problems before they hit your bottom line.

Live in under a day

Drop-in checkout and a clean API. Fast, low-lift setup with no re-platforming.

Bigger average order value

Spreading cost across methods makes larger baskets feel affordable — so carts grow.

For customers

A checkout that finally fits real life.

People rarely have all their money in one place. Split Pay lets them pay the way their money actually sits — securely, in one smooth flow.

Total flexibility

Combine bank account, card, and wallet on a single order — however the money actually sits.

Better cash-flow control

Cover a purchase without maxing out one card.

Use up balances first

Spend down gift-card, wallet balances, and rewards before touching a card.

Secure by default

Tokenized and encrypted end to end. Nothing is stored by the merchant.

Clean refunds

Money routes back to the exact method and split that was used — automatically.

One smooth checkout

No juggling separate transactions. It feels like a single, effortless payment.

How it works

Three moving parts. One clean settlement.

Split Pay drops into your existing checkout and handles the hard part — orchestrating multiple rails behind a single, simple payment.

01

Customer picks their mix

At checkout they choose how much goes on bank, card, or wallet — or let Split Pay suggest the smartest split.

02

Each slice authorizes on its own rail

Split Pay tokenizes and runs per-slice authorization and risk checks in parallel, in milliseconds.

03

You get one reconciled payout

Every slice settles into a single payout with full line-item detail — and refunds route right back to the same split.

Drop-in checkout component + REST API. Most merchants are live in under a day.

Get integration access
FAQ

The details, answered.

Still curious? Email hello@addsplitpay.com and a real person will reply.

Split Pay authorizes each slice on its own rail, then reconciles every slice into a single settlement with full line-item detail. Your books see one clean payout, not three transactions to stitch together.

Live in under a day

See Split Pay on your checkout.

Tell us about your store and we'll show you exactly how splitting a real order across bank, card, and wallet lifts conversion and cuts your fees — no re-platforming required.

  • A live split checkout on a sample of your orders
  • Your blended fee vs. all-on-card, in real dollars
  • A drop-in plan to go live in under a day

No spam, ever. Prefer email? Reach us at hello@addsplitpay.com.