Split payments are carried out by first creating a subaccount, then initializing the split payment. Utilizing split payment is essential in scenarios where there is a shared payment between a service provider and platform provider.
Create a subaccount
Subaccounts can be created easily via the Chapa Dashboard or using the Create Subaccount API:
bank_codeandaccount_number: The bank account details for this subaccount. Thebank_codeis the bank id (you can get this from the get banks endpoint).
When you are in Test Mode, you can use any of our test account numbers as your subaccount.
business_name: The vendor/merchant detail the subaccount for.account_name: The vendor/merchant account’s name matches from the bank account.split_type: The type of split you want to use with this subaccount.- Use
percentageif you want to get a percentage of each transaction. - Use
flatif you want to get a flat fee from each transaction, while the subaccount gets the rest.
- Use
split_value: The amount you want to get as commission on each transaction. This goes with thesplit_type, for example:- to collect 3% from each transaction,
split_typewill bepercentageandsplit_valuewill be0.03. - to collect
25 Birrfrom each transaction,split_typewill beflatandsplit_valuewill be25.
- to collect 3% from each transaction,
Note that subaccounts are working with
ETBcurrency as a default settlment. This means if we getsubaccountin your payload regardless of the currency we will convert it to ETB and do the settlment.
Sample Code
Endpoint https://api.chapa.co/v1/subaccount
Headers
Authorization* : Pass your secret key as a bearer token in the request header to authorize this call.
Method POST
If creating this account is successful we will return the subaccount id which you will need it when you initiate a transaction.
Initializing Split Payment
Subaccounts can be created via the Initialize Transaction API:
Sample Code
Endpoint https://api.chapa.co/v1/transaction/initialize
Headers
Authorization* : Pass your secret key as a bearer token in the request header to authorize this call.
Method POST
Overriding the defaults
When collecting a payment, you can override the default split_type and split_value you set when creating the subaccount, by specifying these fields in the subaccounts item:
split_type: The type of commision to charge for this transaction:flatif you want to get a flat fee while the subaccount gets the rest, orpercentageif you want to get a percentage of the settlement amount.
split_value: The amount to charge as commission on the transaction. It is important to match thesplit_valuefor example:
for example:
- to collect 3% from each transaction, split_type will be percentage and split_value will be 0.03.
- to collect 25 Birr from each transaction, split_type will be flat and split_value will be 25.
Here are some examples. In each of these transactions, let’s suppose the whole amount paid is 100 ETB and Chapa fees are 6 ETB.
Keep in Mind!!!!
Knowing your vendors/sub-accounts is your responsibility and if there is any dispute or chargeback raised we will be taking it from your account and it will be reflecting in your image.
- Chapa fees are taken from you / customer.
