How to Transfer Payments
Split Pay offers three levels of transfer configuration, giving you precise control over how payments are distributed to connected Stripe accounts.
Overview
When a customer completes a purchase on your storefront — whether on WooCommerce or FluentCart — Split Pay automatically creates a Stripe Transfer to move a portion of the payment to one or more connected Stripe accounts. You decide how much to transfer and at what level to configure it.
There are three transfer configuration levels, each providing progressively finer control:
| Level | Scope | Availability |
|---|---|---|
| Global Transfers | Applies to all products in your store | Free & Pro |
| Product-level Transfers | Overrides the global setting for a specific product | PRO |
| Variable Product Transfers | Overrides both global and product-level for a specific variation | PRO |
The override hierarchy
Transfer settings follow a cascading override hierarchy. The most specific setting always wins:
- Global Transfers act as the default baseline. If no product-level or variation-level setting exists, the global configuration is used.
- Product-level Transfers override the global setting for that specific product. All other products still use the global setting.
- Variable Product Transfers override both the global and product-level settings for that specific variation. Other variations of the same product can still use the product-level or global setting.
This means you can set a single global transfer and be done, or fine-tune on a per-product and even per-variation basis — whatever your business model requires.
Example: Your store has a 15% global transfer. Product A has no product-level setting, so it uses 15%. Product B is set to 25% at the product level. Product B's "Deluxe" variation is set to a flat $10. When a customer buys all three, each transfer amount is calculated independently using the most specific rule.
Transfer types
At every level, you can choose between two transfer types:
- Percentage — Transfer a percentage of the product's price (e.g., 20% of a $50 item = $10 transfer).
- Fixed Amount PRO — Transfer an exact dollar amount regardless of the product's price (e.g., always transfer $5 per sale).
If a fixed transfer amount exceeds the product's subtotal, the full subtotal is transferred instead — the transfer will never exceed the payment amount.
Supported payment methods
All Stripe-routed payment methods are supported. Split Pay creates transfers for any order whose charge lands on your Stripe platform account — cards (credit/debit), Apple Pay, Google Pay, Link, ACH, SEPA, BECS, Bancontact, iDEAL, Klarna, Afterpay, Affirm, Cash App Pay, Multibanco, Alipay, WeChat Pay, P24, and EPS, plus other regional rails. Deferred-settlement methods (e.g. ACH, SEPA, Klarna) are handled correctly: Split Pay queues the transfer against the source charge, so funds settle automatically once the bank confirms.
Non-Stripe payment methods (PayPal, manual bank transfer, cash on delivery, etc.) are not supported — if Stripe didn’t process the charge, there’s no Stripe charge for Split Pay to transfer from. See Supported Payment Methods for the full list with country/currency notes.
Getting started
Choose the transfer level that fits your needs:
Global Transfers — Set a default transfer for all products › Product-level Transfers — Override the global setting per product › Variable Product Transfers — Override settings per variation ›