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Simplify Split Funding
Automate fund distribution with reusable Funding Templates, or build custom funding logic with the Funding API.
Simplify implementation, streamline onboarding and scale as you grow
A custom, full-featured solution for software providers
Automatically route funds where they need to go
Split Funding makes it easy to distribute funds to the right accounts without manual work or custom development. Using Split Funding via Funding Templates, software providers can:
- Apply standardized funding structures across their merchant portfolio
- Create a faster path to implementation
- Offer a more consistent funding experience
Why choose Split Funding?
Whether you’re onboarding new merchants or expanding an existing program, Split Funding helps ensure funds are routed accurately and efficiently from day one.
Launch Faster
Implement split funding using predefined templates instead of building custom funding logic from scratch.
Simplify Merchant Onboarding
Apply funding rules automatically during onboarding, so new merchants are set up correctly from day one.
Reduce Operational Complexity
Manage funding rules across your portfolio with centralized templates rather than configuring every merchant individually.
Scale More Easily
Standardize how funds are distributed while maintaining consistency as your merchant portfolio grows.
Standardized funding with less manual work
Funding Templates provide a simple, repeatable way to configure how transaction funds are distributed. Instead of creating funding rules one merchant at a time, software providers can use predefined templates to apply funding structures across their portfolio.
This templated approach reduces onboarding time, streamlines operations, and makes it easier to support growth without increasing complexity.
How Split Funding works
Transaction initiated
Customer pays $1,000 for a service
Transaction authorization and settlement
Gateway > Processor > Card Network > Issuing Bank
Funding logic is applied
X% revenue shared with software provider, Y% shared with 3rd party, Remainder to merchant
Settlement
Instead of depositing 100% to the merchant and invoicing later: Payroc performs split settlement based on funding instructions. Funds are allocated at settlement directly to defined beneficiaries.
Need more customization?
For software providers with specialized funding requirements, Payroc’s Funding API supports custom funding logic and more advanced workflows, including:
- Distribute funds across multiple bank accounts based on percentage, business logic, operational needs, or risk.
- Separate billing and deposit accounts to manage fee deductions more precisely.
- Reduce volatility in deposits by isolating fees from settlement amounts.
- Add or change funding instructions as merchants grow or business needs evolve.
- Adapt funding to expanding merchant locations, brands, or payment flows.
This gives you the flexibility to start with a standardized approach and expand into custom configurations when your business needs require it.
Launch funding faster with Payroc
Automate fund distribution, streamline merchant onboarding, and scale your funding operations with a solution designed for software providers.
Frequently asked questions about Payroc Funding
Payroc Funding includes two options: Split Funding and the Funding API. Split Funding automates fund distribution with predefined rules, while the Funding API supports custom funding logic.
Split Funding automatically routes funds from each transaction based on predefined rules.
Split Funding uses Funding Templates to apply standardized funding rules and route funds to the right accounts automatically.
Funding Templates are predefined funding structures that make it faster and easier to implement Split Funding.
Split Funding helps software providers launch faster, simplify onboarding, reduce operational complexity, and scale more easily.
Funding rules can be applied automatically during onboarding, so merchants are configured correctly from day one.
Centralized templates make it easier to manage funding rules across your portfolio instead of setting them up merchant by merchant.
Yes. Split Funding standardizes fund distribution, making it easier to support growth while maintaining consistency.
Use Funding Templates for the fastest path to implementation. Use the Funding API when you need custom funding logic or advanced workflows.
Yes. The Funding API provides added flexibility for custom funding requirements.