Flutterwave enables you to split the payments for goods and services between you and other businesses on your Store account. You can split funds into your bank account and other accounts.

How to split payments on Flutterwave

To split payments on your Flutterwave account, you're required to create a sub-account. A sub-account is simply an additional bank account registered on your Flutterwave account to receive split payments. You can have as many sub-accounts as you want.

To create a sub-account:

  1. Go to the Subaccounts page on your dashboard homepage and click ‘Subaccounts’ just under the ‘Overview tab’.

  2. Click the ‘Add subaccount’ button.

  3. Fill in the fields on the next page to create a new subaccount.

Note: At the moment, the split payment option is only available for use via the Flutterwave API and SDKs.

Add ID(s) of subaccount(s) in charge payload

When the subaccounts are created, they are automatically assigned an ID. You can include these IDs in any charge request payload and the payment will automatically be split between your bank account and the specified subaccounts. An example payload is shown below.

  "PBFPubKey": "FLWPUBK-4e581ebf8372cd691203b27227e2e3b8-X",
  "cardno": "5438898014560229",
  "cvv": "890",
  "expirymonth": "09",
  "expiryyear": "19",
  "currency": "NGN",
  "country": "NG",
  "amount": "10",
  "email": "user@gmail.com",
  "phonenumber": "0902620185",
  "firstname": "temi",
  "lastname": "desola",
  "subaccount": [
      "id": "RS_D87A9EE339AE28BFA2AE86041C6DE70E",
      "transaction_split_ratio": "2"
      "id": "RS_344DD49DB5D471EF565C897ECD67CD95",
      "transaction_split_ratio": "3"
      "id": "RS_839AC07C3450A65004A0E11B83E22CA9",
      "transaction_split_ratio": "5"
  "IP": "355426087298442",
  "txRef": "MC-",
  "meta": [
      "metaname": "flightID",
      "metavalue": "123949494DC"
  "IP": "355426087298442",
  "txRef": "MC-" + Date.now(),// your unique merchant reference
  "redirect_url": "https://rave-webhook.herokuapp.com/receivepayment",
  "device_fingerprint": "69e6b7f0b72037aa8428b70fbe03986c"

Note: The split payment feature can only be used if your settlement option is set to automatic and not manual settlement.

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