Split Payments

This document goes over how you can share your transaction settlement with a third party.

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.

Subaccount

Subaccounts can be created via using the Create Subaccount API:

curl https://api.chapa.co/subaccount
    -H "Authorization: Bearer YOUR_SECRET_KEY"
    -H "Content-Type: application/json"
    -d '{ "business_name": "Cheese Sticks", 
          "bank_code": "058", 
          "account_number": "0123456789", 
          "percentage_charge": 0.2 
        }'
    -X POST

Initializing Split Payment

Subaccounts can be created via the Initialize Transaction API:

curl https://api.chapa.co/transaction/initialize
    -H "Authorization: Bearer YOUR_SECRET_KEY"
    -H "Content-Type: application/json"
    -d '{ "email": "customer@email.com", 
          "amount": "20000", 
          "subaccount": "ACCT_xxxxxxxxx" 
        }'
    -X POST

Bearer

When initializing a transaction, the main account carries out the charges by default. To change it to the subaccount, you must pass the param bearer: “subaccount”.

curl https://api.chapa.co/transaction/initialize
    -H "Authorization: Bearer YOUR_SECRET_KEY"
    -H "Content-Type: application/json"
    -d '{ "email": "customer@email.com", 
          "amount": "20000",
          "subaccount": "ACCT_xxxxxxxxx", 
          "bearer": "subaccount" 
        }'
    -X POST

Payouts
Authorization
Next →