Sample split payment computations

What are examples of Split Payment configurations?

In these example scenarios, the payment amount is PHP 100.00 and the default GCash rate of 2.5% is applied. The total net amount of these payment would be PHP 97.50. The net amount would be distributed based on the sample configurations provided below.

A sample split payment with Transfer to Split

A sample split payment with Transfer to Split


Transfer to Split

The full net amount of PHP 97.50 is then transferred to org_child1xxxxxxxxxxxxxxxx.

{
    "data": {
        "attributes": {
            "amount": 10000,
            "payment_method_allowed": [
                "gcash"            
            ],
            "payment_method_options": {
                "card": {
                    "request_three_d_secure": "automatic"
                }
            },
            "description": "Payment Split Transfer To",
            "statement_descriptor": "Company 1",
            "currency": "PHP",
            "split_payment": {
                "transfer_to": "org_child1xxxxxxxxxxxxxxxxxx"
            }
        }
    }
}

Refunding a full amount

Merchant IDAmount to be deducted
org_child1xxxxxxxxxxxxxxxxxxPHP 100.00

Fixed amount

Scenario: 20.00 each is distributed to two child merchants

Merchant IDSplit Configuration*Amount to be received
org_parentxxxxxxxxxxxxxxxxxxTransfer To (any surplus)PHP 57.50
org_child1xxxxxxxxxxxxxxxxxxFixed (2000)PHP 20.00
org_child2xxxxxxxxxxxxxxxxxxFixed (2000)PHP 20.00
{
    "data": {
        "attributes": {
            "amount": 10000,
            "payment_method_allowed": [
                "gcash"            
            ],
            "payment_method_options": {
                "card": {
                    "request_three_d_secure": "automatic"
                }
            },
            "description": "Payment Split Fixed 1",
            "statement_descriptor": "Company 1",
            "currency": "PHP",
            "split_payment": {
                "transfer_to": "org_parentxxxxxxxxxxxxxxxxxx"
                "recipients": [
                    {
                        "merchant_id": "org_child1xxxxxxxxxxxxxxxxxx",
                        "split_type": "fixed",
                        "value": 2000
                    },
                    {
                        "merchant_id": "org_child2xxxxxxxxxxxxxxxxxx",
                        "split_type": "fixed",
                        "value": 2000
                    }
                ]
            }
        }
    }
}

Refunding a full amount

Merchant IDAmount to be deducted
org_parentxxxxxxxxxxxxxxxxxxPHP 58.98
org_child1xxxxxxxxxxxxxxxxxxPHP 20.51
org_child2xxxxxxxxxxxxxxxxxxPHP 20.51

Percentage Net

Scenario: 2% is distributed to two child merchants

Merchant IDSplit ConfigurationAmount to be received
org_parentxxxxxxxxxxxxxxxxxxTransfer To (any surplus)PHP 95.55
org_child1xxxxxxxxxxxxxxxxxxPercentage Net (2%)PHP 1.95
org_child2xxxxxxxxxxxxxxxxxxPercentage Net (2%)PHP 1.95
{
    "data": {
        "attributes": {
            "amount": 10000,
            "payment_method_allowed": [
                "gcash"            
            ],
            "payment_method_options": {
                "card": {
                    "request_three_d_secure": "automatic"
                }
            },
            "description": "Payment Split Percentage Net 1",
            "statement_descriptor": "Company 1",
            "currency": "PHP",
            "split_payment": {
                "transfer_to": "org_parentxxxxxxxxxxxxxxxxxx"
                "recipients": [
                    {
                        "merchant_id": "org_child1xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 200
                    },
                    {
                        "merchant_id": "org_child2xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 200
                    }
                ]
            }
        }
    }
}

Refunding a full amount

Merchant IDAmount to be deducted
org_parentxxxxxxxxxxxxxxxxxxPHP 96.00
org_child1xxxxxxxxxxxxxxxxxxPHP 2.00
org_child2xxxxxxxxxxxxxxxxxxPHP 2.00

Scenario: 50% is distributed to two child merchants

Merchant IDSplit ConfigurationAmount to be received
org_parentxxxxxxxxxxxxxxxxxxTransfer To (any surplus)PHP 0
org_child1xxxxxxxxxxxxxxxxxxPercentage Net (50%)PHP 48.75
org_child2xxxxxxxxxxxxxxxxxxPercentage Net (50%)PHP 48.75
{
    "data": {
        "attributes": {
            "amount": 10000,
            "payment_method_allowed": [
                "gcash"            
            ],
            "payment_method_options": {
                "card": {
                    "request_three_d_secure": "automatic"
                }
            },
            "description": "Payment Split Percentage Net 2",
            "statement_descriptor": "Company 1",
            "currency": "PHP",
            "split_payment": {
                "transfer_to": "org_parentxxxxxxxxxxxxxxxxxx"
                "recipients": [
                    {
                        "merchant_id": "org_child1xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 5000
                    },
                    {
                        "merchant_id": "org_child2xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 5000
                    },
                ]
            }
        }
    }
}

Refunding a full amount

Merchant IDAmount to be deducted
org_parentxxxxxxxxxxxxxxxxxxPHP 0.00
org_child1xxxxxxxxxxxxxxxxxxPHP 50.00
org_child2xxxxxxxxxxxxxxxxxxPHP 50.00

Scenario: 33% is distributed to three child merchants

Merchant IDSplit ConfigurationAmount to be received
org_parentxxxxxxxxxxxxxxxxxxTransfer To (any surplus)PHP 0.96
org_child1xxxxxxxxxxxxxxxxxxPercentage Net (33%)PHP 32.18
org_child2xxxxxxxxxxxxxxxxxxPercentage Net (33%)PHP 32.18
org_child3xxxxxxxxxxxxxxxxxxPercentage Net (33%)PHP 32.18
{
    "data": {
        "attributes": {
            "amount": 10000,
            "payment_method_allowed": [
                "gcash"            
            ],
            "payment_method_options": {
                "card": {
                    "request_three_d_secure": "automatic"
                }
            },
            "description": "Payment Split Percentage Net 3",
            "statement_descriptor": "Company 1",
            "currency": "PHP",
            "split_payment": {
                "transfer_to": "org_parentxxxxxxxxxxxxxxxx"
                "recipients": [
                    {
                        "merchant_id": "org_child1xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 3300
                    },
                    {
                        "merchant_id": "org_child2xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 3300
                    },
                    {
                        "merchant_id": "org_child3xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 3300
                    }
                ]
            }
        }
    }
}

Refunding a full amount

Merchant IDAmount to be deducted
org_parentxxxxxxxxxxxxxxxxxxPHP 0.01
org_child1xxxxxxxxxxxxxxxxxxPHP 33.33
org_child2xxxxxxxxxxxxxxxxxxPHP 33.33
org_child3xxxxxxxxxxxxxxxxxxPHP 33.33

Scenario: 33% is distributed to 2 child merchants and the parent

Merchant IDSplit ConfigurationAmount to be received
org_parentxxxxxxxxxxxxxxxxxxTransfer To (any surplus) +
Percentage Net (33%)
PHP 0.96 + PHP 32.18
= PHP 33.14
org_child1xxxxxxxxxxxxxxxxxxPercentage Net (33%)PHP 32.18
org_child2xxxxxxxxxxxxxxxxxxPercentage Net (33%)PHP 32.18
{
    "data": {
        "attributes": {
            "amount": 10000,
            "payment_method_allowed": [
                "gcash"            
            ],
            "payment_method_options": {
                "card": {
                    "request_three_d_secure": "automatic"
                }
            },
            "description": "Payment Split Percentage Net 4",
            "statement_descriptor": "Company 1",
            "currency": "PHP",
            "split_payment": {
                "transfer_to": "org_parentxxxxxxxxxxxxxxxxxx"
                "recipients": [
                    {
                        "merchant_id": "org_child1xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 3300
                    },
                    {
                        "merchant_id": "org_child2xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 3300
                    },
                    {
                        "merchant_id": "org_parentxxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 3300
                    }
                ]
            }
        }
    }
}

Refunding a full amount

Merchant IDAmount to be deducted
org_parentxxxxxxxxxxxxxxxxxxPHP 33.34
org_child1xxxxxxxxxxxxxxxxxxPHP 33.33
org_child2xxxxxxxxxxxxxxxxxxPHP 33.33

Fixed + Percentage Net

Scenario: 20.00 is distributed to one child, while the other child receive 50%

Merchant IDSplit ConfigurationAmount to Receive
org_parentxxxxxxxxxxxxxxxxxxTransfer To (any surplus)PHP 28.75
org_child1xxxxxxxxxxxxxxxxxxFixed (2000)PHP 20.00
org_child2xxxxxxxxxxxxxxxxxxPercentage Net (50%)PHP 48.75
{
    "data": {
        "attributes": {
            "amount": 10000,
            "payment_method_allowed": [
                "gcash"            
            ],
            "payment_method_options": {
                "card": {
                    "request_three_d_secure": "automatic"
                }
            },
            "description": "Payment Split Fixed + Percentage Net",
            "statement_descriptor": "Company 1",
            "currency": "PHP",
            "split_payment": {
                "transfer_to": "org_parentxxxxxxxxxxxxxxxxxx"
                "recipients": [
                    {
                        "merchant_id": "org_child1xxxxxxxxxxxxxxxxxx",
                        "split_type": "fixed",
                        "value": 2000
                    },
                    {
                        "merchant_id": "org_child2xxxxxxxxxxxxxxxxxx",
                        "split_type": "percentage_net",
                        "value": 5000
                    }
                ]
            }
        }
    }
}

Refunding a full amount

Merchant IDAmount to be deducted
org_parentxxxxxxxxxxxxxxxxxxPHP 29.49
org_child1xxxxxxxxxxxxxxxxxxPHP 20.51
org_child2xxxxxxxxxxxxxxxxxxPHP 50.00