Payment split (Gafiapay ledger)

Share each incoming virtual account payment with another business on Gafiapay. Splits are applied inside Gafiapay's ledger only — they do not use third-party multi-merchant split APIs.

How it works

  1. A customer pays your dedicated virtual account; Gafiapay is notified when the payment is confirmed.
  2. Gafiapay credits your business wallet with the net amount (after your configured Gafiapay payment fees).
  3. If payment split is enabled, Gafiapay immediately moves the configured share from your balance to the recipient business in a single database transaction.
  4. You see a split_debit transaction; the partner sees a split_credit transaction.

Split modes

  • Percentage — a percent of the net amount credited for that payment (0–100%).
  • Fixed — a fixed amount in NGN per payment; capped at the net credited so your balance never goes negative from the split.

Recipient rules

  • The recipient must be a different business and active.
  • Use the recipient's business ID (MongoDB _id) from their dashboard.
  • The recipient can belong to any Gafiapay user — not limited to your own account.

Dashboard

Configure splits under Settings → Payment split. Verify the recipient ID before saving.

Idempotency & safety

Each payment order reference triggers at most one split. Retried webhooks will not double-apply the same split.

Refunds

Ledger splits are not automatically reversed when a payment is refunded. Adjust partner balances manually or contact support if you need a reversal workflow.

Referral bonuses

Referral bonuses (if configured) are still calculated from the payment after the split step runs. Referral logic is independent of payment split recipients.