---
title: "How to Transfer Payments"
description: "Configure split payment transfers in WooCommerce using the Split Pay Plugin. Choose from global transfers, product-level overrides, or variable product-specific settings to control exactly how payments are split."
url: "https://docs.splitpayplugin.com/features/how-to-transfer-payments/"
---
## 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 Transfer → Product-level Transfer → Variable Product Transfer

*   **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](../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 ›](../../features/how-to-transfer-payments/global-transfers/) [Product-level Transfers — Override the global setting per product ›](../../features/how-to-transfer-payments/product-level-transfers/) [Variable Product Transfers — Override settings per variation ›](../../features/how-to-transfer-payments/variable-product-transfers/)