What are Split Payments?

Express checkout supports split payments which allows a customer to make partial payments until they complete the payment for the full amount due.

This feature is particularly useful considering the diverse payment options available in Africa mostly from mobile money operators, for example; transaction limits, wallet limits, scattered fund sources among others.

Consider this example; An item costs 500 dollars. Fortunately, this is an item you can easily afford. But there is a catch, you have 400 dollars on your card, 20 dollars with your mobile money provider e.g Airtel, Vodafone, M-Pesa, and 80 dollars in a bank account you own. You can pay the full amount of 500 by : Using your card to pay off 400 dollars, Pay 80 dollars through your second bank account and pay the remaining 20 dollars through your mobile money account.

Split payments are guided by the following business rules:

1. Consecutive payments can only be done with payment options from the country of the initial payment e.g If the first payment was made with a payment option in Ghana, the rest of the payments have to be made with payment options from Ghana as well.
2. Payments must still be completed within the request expiry time. Should the checkout request expire, the customer will be refunded the amount already collected. There is however a configuration to allow partial payment as full payments. This allows for special case collections such as school fees. You can contact Cellulant to setup this configuration.