If you need to automatically charge a commission fee against your partners or your own platform each time transactions happen, Split Payment might be the right feature for you.

Limitation

1. The application of Split Payment currently is not able to be facilitated through Dashboard and would need to be done via API.
2. Currently, Split Rule that has been made would not be able to be deleted.
   • If the Split Rule is no longer to be used, simply delete the split rule ID from the "with-split-rule" header of your API Request.
3. This feature is automatically enabled for Indonesia and Philippines;
   • For Thailand, Malaysia, and Vietnam, please reach out to us to activate this feature for your account!
4. Make sure your master account's API Key have "Write" permission for xenPlatform > Split Payments
   • Click here to learn more about API Key generation

Tutorial

You can route and split payments automatically in 2 steps

1. Split Rule Creation via API

Split Rule is a feature from xenPlatform that allows you to automatically charge a commission fee (Splits) each time a transaction happens on your partners’ sub accounts, or on your platform.

Follow the tutorial on this link to create a Split Rule:

https://developers.xendit.co/api-reference/#create-split-rule

1. The endpoint that will be used is as follows:
   

   POST https://api.xendit.co/split_rules

2. Make sure that you have inputted the correct Master Account’s API Key on the right place;
3. Input the name of your split rule on the request body under parameter "name";
4. Configure your split payments on the request body under “routes”;
   • Amount
     • Input “percent_amount” if your commission fee will be applied based on a certain percentage of the total transaction amount;
       • “percent_amount” have to be between 0 and 100
       • Splits are rounded off to the nearest monetary unit (e.g. 0.50 IDR will be rounded to 1 IDR; 0.49 IDR will be rounded to 0 IDR)
       • example: "10" for split payments amounting to 10% of the total transaction amount;
     • Input “flat_amount” if your commission fee will be applied on a set amount regardless of the total transaction amount;
       • example: "10000" for split payments amounting to IDR 10,000 per transaction.
     • You need to input either “percent_amount” or “flat_amount” on every "route", and not both
     • You can input both “percent_amount” and “flat_amount” if it is on the different "route"
   • Currency
     • Input either “IDR”, “PHP”, "THB", "MYR", or "VND" on the body request under parameter "currency", based upon your national currency;
   • Destination Account
     • Input the BID to which the split payment is going to be settled on the body request under parameter "destination_account_id"
     • If this parameter is not inputted the platform fee will be settled to your master account by default
   • Reference
     • Input a unique "reference_id" to identify the route.
   • You can input up to 5 different "route" to do Split Payment to 5 different accounts.
5. Click Send;
   
6. Review the detail of your Split Rule on xenPlatform Tab > Split Payment > Split Rules on Dashboard

Here is the tutorial video for Split Rule creation to charge a commission fee per transaction that happened on sub account, to be settled into the 3 different accounts, with the application of “percent_amount” and “flat_amount” on three different "route":

2.  Application of Split Rule via API to Charge Splits

Follow the tutorial on this link to create the desired transaction via API;

https://developers.xendit.co/api-reference/id/

1. Look for transaction on API Reference that allows you to have “with-split-rule” parameter on the Request Header;
   
   
2. Make sure that you have inputted the correct API Key of Master Account on the right place;
3. Input the Business ID of your Sub Account on header, under parameter "for-user-id";
   • If this parameter is not inputted, the splits will be charged to transactions made by your master account by default
4. Copy the ID from split rule that you have created on Step 1;
   • You can find the ID either from the API Response that you have retreived from Step 1, and/or the Dashboard of your Master Account, under the menu xenPlatform > Split Payment > Split Rules
     
5. Paste the Split Rule ID on header, under parameter "with-split-rule";
   
   
6. Generate the transaction via API as per usual, in accordance with tutorial on the respective API Reference;
7. After the transaction has passed the settlement time, you can see the Platform Fee on the Dashboard of your Master Account, under channel "SPLIT" either on:
   1. Balance Tab;
   2. Transactions Tab;
   3. xenPlatform > Split Payment > Splits
      

Here is the tutorial video for platform fee routing for transaction that happened on sub account, to be settled into three different accounts: