---
title: "How do split payments work?"
description: "One incoming payment is divided automatically between the parties you choose — seller, platform, and Fynex — using a rule you set once. Splits can be percentages, fixed amounts, or a mix."
url: "/docs/split-payments/how-do-split-payments-work/"
category: "Split payments"
---

A split payment takes **one incoming payment and divides it automatically** between the parties you choose. You set a rule once, and every matching payment is split the same way. A classic [marketplace](/marketplaces/) example: a customer pays **£100**, and it splits to the **seller £80**, your **platform £15**, and **Fynex £5** — no manual transfers.

## How a split is defined

A split rule has one or more **payees**, and for each you set how much they get:

- **Percentages** — e.g. seller 80%, platform 15%.
- **Fixed amounts** — e.g. a flat £5 fee.
- **A mix** — some lines percentage, some fixed.

You can also control the details:

- **What the percentage is based on** — the gross payment, or the net amount after processing fees.
- **Priority and caps** — set a minimum or maximum per payee, and the order lines are filled in.
- **The remainder** — whatever's left after all lines can go to your main wallet or a separate remainder wallet.

## When money actually moves

Splitting allocates money into each payee's **wallet** inside Fynex. Paying it out to a real bank account is a separate step — see [What are wallets and how does money move between them?](/docs/split-payments/what-are-wallets-and-how-does-money-move-between-them/) Each payee must be verified before their first payout — see [How do I add a payee — and what verification do they need?](/docs/split-payments/how-do-i-add-a-payee-and-what-verification-do-they-need/)

## Related

- [How do I create a split rule?](/docs/split-payments/how-do-i-create-a-split-rule/)
- [What happens when a split doesn't add up?](/docs/split-payments/what-happens-when-a-split-doesnt-add-up/)