Payment split
Share each incoming virtual account payment with another business on Gafiapay.
How it works
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A customer pays your virtual account
The transfer is confirmed as usual.
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Your balance is credited with the net amount
That's the payment minus your Gafiapay fee.
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The split moves straight away
If payment split is on, Gafiapay moves your partner's share from your balance to theirs at the same moment. Either both balances change or neither does.
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Both sides see a record
You see a "split sent" transaction in your history, and your partner sees a "split received" one.
Split modes
| Mode | What moves |
|---|---|
| Percentage | A percentage of the net amount credited for that payment, from 0 to 100%. |
| Fixed | A fixed amount in NGN per payment, capped at the net amount credited so a split never takes your balance below zero. |
Recipients
- The recipient must be a different business, and it must be active.
- Identify it by its business ID. Your partner can copy it from Settings → Business in their dashboard.
- It can belong to any Gafiapay user, not only your own account.
Turn it on
Configure splits in the dashboard under Settings → Payment split. Double-check the recipient ID before you save.
One split per payment
Each payment is split once, at most. Even if the bank reports the same payment twice, your partner isn't paid twice.
Refunds
When you refund a payment, its split stays in place. Adjust your partner's balance manually, or contact support if you need a reversal workflow.