Split Payment by Amount

Split a single payment amount between multiple accounts.

Rapyd enables an employer to pay multiple employees in a single operation by splitting a single payment to multiple Rapyd Wallets. You can divide a payment into 2-10 wallets. Paying directly into wallets is especially useful when your employees do not have bank accounts.

This process can be used to split payments into client wallets, company wallets and personal wallets.

PCI Certification

Only clients with PCI-DSS certification can handle personal identifying information for cards. This method is available to merchants who have signed a special agreement with Rapyd.

Splitting Payment to Multiple Wallets Workflow

You get the IDs of the employees' wallets from your own database, and send the wallet IDs and the amounts to Rapyd.
Rapyd processes the transaction and sends confirmation to you.
You notify the employees that the payment was made.

How a Split Payment Works

Prerequisites

To run the examples of this use case, you must create the following IDs in your own sandbox:

ewallet_ - Run Create Wallet for the wallet of each driver-employee. Use the ID you get in the response. For this use case, you need two separate wallet IDs. For more information, see Creating a Rapyd Wallet.

Processing the Payment

To send money to the employees' wallets, you ask Rapyd to create a payment. Out of many payment options, you choose to pay from your company's card.

For that, you'll use Create Payment with the following parameters:

Description of Body Parameters

Body Parameter	Description
amount	Enter 300 to pay 300.00 U.S. Dollars. This is the total amount due to all the employees.
currency	Enter USD as the currency code for U.S. Dollars.
ewallet	Enter a JSON array of objects. The first object contains the following fields: `ewallet` - Enter the wallet 'id' that you received when you created the first wallet in your sandbox. For purposes of this use case lesson, we are using ewallet_cfb416d9108161347d98acf17f3fd3e8, which is the wallet ID we created in our sandbox. `amount` - 120 The second object contains the following fields: `ewallet` - Enter the wallet 'id' that you received when you created the second wallet in your sandbox. For purposes of this use case lesson, we are using ewallet_4f8009d08b7b41e5d3b356494101d83b, which is the wallet ID we created in our sandbox. `amount` - 180
payment_method	Enter an object with the following fields: `type` - us_debit_visa_card `fields` - Enter an object with the following fields: `number` - 4111111111111111 `expiration_month` - 10 `expiration_year` - 20 `cvv` - 123

Create Payment Request

You ask Rapyd to create the payment to the wallets.

Request

// Request URL: POST https://sandboxapi.rapyd.net/v1/payments

// Message body:
{
    "amount": 300.00,
    "currency": "USD",
    "payment_method": {
        "type": "us_debit_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "10",
            "expiration_year": "20",
            "cvv": "123"
        }
    },
    "description": "Split payment to multiple wallets",
    "ewallet": [
              {
            "ewallet": "ewallet_cfb416d9108161347d98acf17f3fd3e8",
            "amount": 120
        }, 
                    {
            "ewallet": "ewallet_4f8009d08b7b41e5d3b356494101d83b",
            "amount": 180
        }
    ]
}

.NET Core

using System;
using System.Text.Json;

namespace RapydApiRequestSample
{
    class Program
    {
        static void Main(string[] args)
        {
            try
            {
                var requestObj = new
                {
                    amount = 300.00,
                    currency = "USD",
                    description = "Split payment to multiple wallets",
                    ewallet = new Object[]
                    {
                        new
                        {
                            ewallet = "ewallet_cfb416d9108161347d98acf17f3fd3e8",
                            amount = 120
                        },
                        new
                        {
                            ewallet = "ewallet_4f8009d08b7b41e5d3b356494101d83b",
                            amount = 180
                        },
                    },
                    payment_method = new
                    {
                        type = "us_visa_card",
                        fields = new
                        {
                            number = "4111111111111111",
                            expiration_month = "10",
                            expiration_year = "20",
                            cvv = "123",
                        }
                    },
                };

                string request = JsonSerializer.Serialize(requestObj);

                string result = RapydApiRequestSample.Utilities.MakeRequest("POST", "/v1/payments", request);

                Console.WriteLine(result);
            }
            catch (Exception e)
            {
                Console.WriteLine("Error completing request: " + e.Message);
            }
        }
    }
}

JavaScript

const makeRequest = require('<path-to-your-utility-file>/utilities').makeRequest;

async function main() {
  try {
    const body = {
      amount: 300,
      currency: 'USD',
      payment_method: {
        type: 'us_visa_card',
        fields: {
          number: '4111111111111111',
          expiration_month: '10',
          expiration_year: '20',
          cvv: '123'
        }
      },
      error_payment_url: 'https://error_example.net',
      description: 'Split payment to multiple wallets',
      ewallet: [
        {
          ewallet: 'ewallet_89099803a1e923a3e1fe9fc8f656b425',
          amount: 70
        },
        {
          ewallet: 'ewallet_ecf2ee726c151603968549dd7f1406aa',
          amount: 30
        }
      ]
    };
    const result = await makeRequest('POST', '/v1/payments', body);

    console.log(result);
  } catch (error) {
    console.error('Error completing request', error);
  }
}

Python

from pprint import pprint

from utilities import make_request

payment_body = {
    "amount": 300.00,
    "currency": "USD",
    "payment_method": {
        "type": "us_visa_card",
        "fields": {
            "number": "4111111111111111",
            "expiration_month": "10",
            "expiration_year": "20",
            "cvv": "123"
        }
    },
    "description": "Split payment to multiple wallets",
    "ewallets": [
        {
            "ewallet": "ewallet_452c8cd682f347b4abee9bbee04eac03",
            "amount": 120
        },
        {
            "ewallet": "ewallet_7af0aeeacbd9bf4d84bf1aeb52f6d8c3",
            "amount": 180
        }
    ]
}

create_payment_response = make_request(method='post',
                                       path='/v1/payments',
                                       body=payment_body)
pprint(create_payment_response)

Create Payment Response

Let's take a look at the response.

Response

{
    "status": {
        "error_code": "",
        "status": "SUCCESS",
        "message": "",
        "response_code": "",
        "operation_id": "81148d4b-185a-4069-9f32-3cf60a579730"
    },
    "data": {
        "id": "payment_6d8548656ddf97e5c9327c9c46e5498c",
        "amount": 3000,

//      ...
          
        "currency_code": "USD",

//      ...
          
        "status": "CLO",
        "description": "Split payment to multiple ewallets",

//      ...
          
        "customer_token": "cus_8a10326d75423c369420f2a2355df353",
        "payment_method": "card_2ed1da907a0603e3a3c13c737fc073ac",

//      ...
          
        "captured": true,

//      ...
          
        "ewallets": [
            {
                "ewallet_id": "ewallet_cfb416d9108161347d98acf17f3fd3e8",
                "amount": 120,
                "percent": 40,
                "refunded_amount": 0
            },
            {
                "ewallet_id": "ewallet_4f8009d08b7b41e5d3b356494101d83b",
                "amount": 180,
                "percent": 60,
                "refunded_amount": 0
            }
        ],

//      ...
          
        "payment_method_type": "us_debit_visa_card",
        "payment_method_type_category": "card",

//      ...
          
    }
}

The data section of the response shows:

id - The ID of the 'payment' object.
The original_amount is 300. This is the total amount paid out.
The currency_code is USD (U.S. Dollars).
The status is CLO (closed). This means that the transaction is complete.
customer_token - The ID of the employer's 'customer' object.
payment_method - The ID of the employer's payment method.
captured - The value of true shows that the card payment is completed.
ewallets - The IDs of the employees' wallets, together with the amounts and their respective percentage share of the total payment.
payment_method_type - In this example, the payment method is us_debit_visa_card.
payment_method_type_category - The payment method is a card type.
Upon a successful payment Rapyd will send you a Webhook - Payment Confirmation

Now your website can inform the two employees that the transfer to their wallets was successful.

In this section:

Documentation