Docs Split Payments

Marketplace & Split Payments

HwebPay allows you to automatically split a transaction between a main account and one or more subaccounts. This is perfect for marketplaces, escrow services, or partnership agreements.

1. Create Subaccounts

Before splitting a payment, you must create a subaccount for your vendor or partner.

POST /subaccounts

curl https://api.hwebpay.com/api/v1/subaccounts \
  -H "Authorization: Bearer sk_live_..." \
  -d '{
    "business_name": "Mega Shop Vendor",
    "settlement_bank": "044",
    "account_number": "0123456789",
    "percentage_charge": 20
  }'

2. Initialize Split Payment

When initializing a transaction, pass the split_code or subaccount code to route funds.

POST /transactions/initialize

curl https://api.hwebpay.com/api/v1/transactions/initialize \
  -d '{
    "amount": 10000,
    "email": "customer@example.com",
    "subaccount": "SUB_9876543210"
  }'

Automatic Routing

Funds are automatically held and distributed based on your configuration. The main merchant's commission is deducted before the subaccount is credited.

Accept Payments

Dedicated Virtual Accounts

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