Introduction

What Split Is

Info: In this documentation, platform refers to the main establishment running the operation: a marketplace, a services platform, software with embedded payments, a franchise network, or a group of associated establishments. Seller refers to each business linked to the platform that receives a portion of the sale amount.

Split works as the distribution engine of an end-to-end money-movement solution. Building on that engine, Getnet supports the rest of the journey:

• Flexible onboarding: register and validate sellers (individuals or businesses) via API or through the Portal Minha Conta, and configure the distribution rules that apply to each sale.
• Multichannel acceptance with local payment methods: process sales across physical and digital channels using the local payment methods available in Brazil.
• Balance management: manage the release of funds and make adjustments or refunds whenever necessary.
• Settlement: automatically receive available funds into each participant's registered bank account.
• Reconciliation: check transaction information via API or through an integrated reconciler.

End-to-End Solution

All of this documentation follows the same path: onboarding, payment acceptance, split, balance management, settlement, risk, and reconciliation. Use the table below to quickly find the right page for the stage you're at.

Use Cases

Split isn't just for product marketplaces. If you need to distribute the amount of a sale between yourself and other parties, the model applies to your business. These are the most common patterns:

Each business model pairs best with a different integration path: API, e-commerce platform, point of sale, or a combination of several. Contact the Getnet team to define the integration that best fits your operation.

Getting Started

Five steps from the first conversation to live production operation.

1. Talk to the Getnet team: Getnet aligns with you on the operating model that best fits your business, the integration path, and the terms. It then starts the onboarding process.
2. Register your platform: you complete the registration and onboarding process with Getnet and receive your access credentials for the test environment.
3. Integrate and test: you build the integration and validate the flows in the test environment, supported by Getnet's staging team.
   • Register your first seller: create it via API or through the Portal Minha Conta, and check its status until it becomes active.
   • Split configuration: decide whether you'll work with pre-configured rules, an explicit instruction on each transaction, or both.
   • First transaction with split: run a test payment with the breakdown by seller and check the result.
   • Balances and release: check the seller's balance and, if your model requires it, release the funds.
   • Refunds: test a full refund and a partial refund and observe the effect on the balance.
   • Reconciliation: query the period's statement via API and reconcile the amounts with your system.
4. Go live: you request production access and validate the first real payment. Your sellers need to be registered again in the production environment. If you already operate with an existing portfolio, Getnet coordinates the migration with you.
5. Start operating: you can now register sellers, receive through all your channels, manage balances, and reconcile. From here, the Getnet team follows your operation and the activation of new capabilities.

If you've already identified the integration path that best fits your business, the next step is to talk to the Getnet team to start registering your platform.

Next Steps

1. Onboarding and Configuration: register your platform and your sellers, and configure your split rules.
2. Payment Acceptance: see how money comes in through physical and digital channels.