PCE’s Split Payouts feature lets you define funding rules to distribute transaction proceeds automatically among various accounts—ideal for marketplaces, partners, or multi-entity settlements.

Prerequisites

Active merchant or partner account with Split Payouts enabled

Compliance / Regulation Mandates

PCI DSS Level 1

All card data handling—authorization, capture, routing, and tokenization—must comply with PCI DSS Level 1 standards to secure cardholder information.

PSD2 Strong Customer Authentication

Two-factor authentication under PSD2 is required for EU card payments initiated by customers.

AML & KYC

Implement risk-based anti-money laundering controls and customer due diligence for card transactions, especially high-value or cross-border.

GDPR Data Protection

Ensure personal and payment data processed in card workflows adheres to GDPR principles, including minimization, consent, and secure handling.

Key Features

Intuitive Rule Creation: End users—whether customers, partners, or program managers—can easily define or clone funding rules directly from their portal dashboards.
Override Hierarchies: Authoritative entities can lock rules to prevent changes, or allow subordinate levels to adjust cloned rules as needed.
Tag-Based Splitting: Use transaction metadata tags (e.g., TIP, SURCHARGE, TRUST) to automatically direct portions of a payment to the appropriate accounts.

Use Cases in Scope

Legal Trust Accounting

Automatically route incoming card payments into “Trust” and “Operational” ledgers by matching tags flagged as TRUST.

Surcharge Allocation

Divide the surcharge component of a transaction into a separate account designated for fee recovery.

Tip Distribution

Direct gratuity amounts to individual service provider accounts within PCE.

Customer Funding Rule Setup

In the customer portal, click your user initials in the bottom-left corner to open Funding Rules.
Select Add New to begin rule configuration:
- Rule Condition: Choose whether the rule applies to all transactions or filter by specific tags (for example, TIP or SURCHARGE).
- Rule Action: Assign recipient account tags and specify the percentage or fixed amount to split to each account.
Review the Linked Transactions list to verify which payments have been processed under this rule.

Program Manager Funding Rule Management

Program Managers can establish and oversee rules for their customers and associated partners:

Navigate to the Funding Rules section of the PM portal.
Click Add to create a new rule, with options to set override permissions and target recipient accounts.

Configurations

Portal Toggles

PM Portal Toggle: Enable Show Funding Rule PM Portal to give program managers access to create and manage rules for their downstream partners and customers.
Partner Portal Toggle: Enable Show Funding Rule Partner Portal to allow partners to configure rules for their linked customers.
Customer Portal Toggle: Enable Show Funding Rule Customer Portal to let customers manage their own funding rules.

Recouping Funds

In the event of a reversal (chargeback, refund, or return) on a split transaction:

The system first attempts to debit the customer’s default account.
If additional funds need recoupment, it withdraws from the other split accounts according to the original funding rule.
If internal balances are insufficient, the system pulls the remaining amount from the customer’s external bank account.

Additional Remarks

Access to create or edit funding rules is governed by role-based permissions—only authorized users will see the rule management features.
When splitting CARD transactions, you can separate by TIP, SURCHARGE, or SUBTOTAL components; for ACH, Cash, Wire, and Check methods, splits apply only to the TOTAL AMOUNT.
If you define a multi-method rule that includes CARD, but only configure the TOTAL AMOUNT component, that total will apply across all specified methods.