Split Payments

Payments can be split between as many as 25 parties for one-time and recurring transactions.

Marketplace Merchant Account vs. Vendor Account

There are some key differences between your BlueSnap account and your vendors' BlueSnap accounts.

Marketplace Merchant Account

As the Marketplace Merchant, you have one BlueSnap account where you receive all commission splits on marketplace sales. You have a bank account (possibly multiple) linked to your BlueSnap account. BlueSnap pays out your funds to your bank account(s).

Vendor Account

Each of your vendors has a BlueSnap account associated with them, where they receive their commission splits. They each have a bank account linked to their BlueSnap account, where we pay out account funds. Your vendor does not have access to BlueSnap. As the Marketplace Merchant, you communicate all account information to your vendors.

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Viewing your vendor's account balance
To view your vendor's account balance, use the Vendor Details report available through both the Merchant Portal and Reporting API.

Commission Split

BlueSnap pays you and your vendor according to the agreed-upon commission split, either a percentage or a fixed amount. The split occurs when the shopper's funds are captured for the sale.

You can set the commission split between you and your vendor in the following ways:

Create Vendor Request — Inside the vendorAgreement container, include the commissionPercent or the commissionAmount property to be used for all transactions.
Update Vendor Request — Inside the vendorAgreement container, include the commissionPercent or the commissionAmount property in the request to be used for all transactions.
For a single transaction — In Auth-Capture, Auth Only, ACH/ECP, and Subscription requests, you may define the commission for that specific transaction. Click here to learn how.

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Defining commission rate during vendor creation
We recommend that you define your vendor's commission rate (which is part of the necessary information for payout) during the initial vendor creation.
You can always update the commission rate later via the Update Vendor request, or override it for a specific transaction.

Split Payments with Surcharge

When splitting payments that include a surcharge, the entire surcharge fee is paid out to the primary merchant. Any revenue-sharing or payout split with vendors apply only to the net payment amount, excluding the surcharge fee.

For example, if the Net Payment Amount (excluding surcharge) is $200 and the collected surcharge fee is $20, the shopper would pay a total of $220. If the vendor percentage is 20%, then the payout distribution would look like:

	Calculation	Amount
Vendor	20% of Net Amount = $40	$40
Merchant	(80% of Net Amount = $160) + (Full Surcharge = $20)	$180
Total Payout	$40 + $180	$220