Payment Acceptance
What the Split Does in the Transaction
The buyer makes a single payment. The breakdown between your platform and your sellers travels with that payment, generating independent amounts per seller.
At the time of the transaction, the Split module:
- Identifies the sellers involved in the payment and the amount owed to each one, either from the payment instruction or from prior configuration.
- Applies the distribution.
- Generates each seller's receivable schedule, with its own calendar.
- Maintains traceability between the original payment, each item, and each seller, which is the basis for your subsequent reconciliation.
| What changes | Without split | With split |
|---|---|---|
| Authorization | A single amount, authorized at once | Still a single amount, authorized at once: the split doesn't add any extra step to authorization, even with the per-seller breakdown already associated with the payment |
| Capture | Follows the transaction's normal flow | The same flow, with no additional step required by the split |
| Calendar | One receivable calendar, one beneficiary | One receivable schedule per seller, each with its own calendar |
| Settlement | A single payment to the beneficiary | The amount is distributed and settled between the platform and each seller, according to the applied split rule |
Native Channels
Digital Channel
Most platforms integrate directly via API, since it's the most complete channel and the one that allows the most flexible operation: sending the split instruction in the transaction itself, capturing in full or in part, and managing the amounts afterward.
| Method | Endpoint | Description |
|---|---|---|
POST | /v2/payments | Credit card payment authorization, with seller detail in additional_data.split.subseller_list_payment |
POST | /v2/payments/capture | Capture of an authorized payment, in full or in part |
POST | /v2/payments/cancel | Cancellation of a card payment: full on the same day (D0), full or partial from D+N, with seller detail in additional_data.split.subseller_list_payment |
POST | /v2/payments/boleto | Boleto issuance |
POST | /dpm/payments-gwproxy/v2/payments/qrcode/pix | Pix charge, with seller detail in data.additional_data.split |
Always send your own order identifier so you can reconcile later, and treat the authorization response and the capture response as distinct statuses.
Physical Channel
Split also works at the physical point of sale (POS), which lets you extend the value proposition to hybrid or fully in-person models such as franchises: the same seller and split configuration applies to receiving payments in person.
Available modes:
| Mode | What it consists of |
|---|---|
| POS with the Getnet app | Getnet terminal with the Split app, with no development on your part |
| POS with the platform's app | You publish your own app on the terminal and integrate receiving with Split |
| Integration with a mobility solution | Mobile receiving with split, supported by a point-of-sale partner |
| TEF (Electronic Funds Transfer) integration | Receiving integrated into your platform's or establishment's point-of-sale system |
Unlike the digital channel, in-person payment doesn't travel via API, but through the payment methods' own messaging. As a result, the split is resolved based on the seller's configuration, which is why pre-configured rules matter. If you need additional management afterward, such as releases or adjustments, you do so the same way, via API or through the Portal Minha Conta.
Note: The physical channel is documented here at a high level. The integration details for each mode are worked out with the Getnet team during implementation.
Integrated E-Commerce and Marketplace Platforms
If your operation already runs on an e-commerce or marketplace platform, you don't need to build the payment integration from scratch: Split integrates with popular e-commerce platforms through modules or connectors, so you take advantage of the existing integration and reduce the development needed.
What's worth understanding before choosing this path is the boundary of responsibilities: the connector handles payment acceptance and the split within the platform's flow, but managing your sellers and your money remains with Getnet, via API or through the Portal Minha Conta.
VTEX
What the integration includes:
- Configuring the connector with your Getnet credentials.
- Activating Split as a payment method within checkout.
- Matching the seller registered in VTEX to your seller in Getnet, through an external identifier.
- Calculating the marketplace commission within the platform itself, including shipping handling.
- Authorizing the full amount in your name and capturing it with the corresponding distribution at the time each item is billed.
What you must do separately, directly with Getnet:
- Register and maintain your sellers, via API or through the Portal Minha Conta.
- Query balances and release funds when your model requires it.
- Perform adjustments.
- Reconcile via the statement or an integrated reconciliation tool.
Magento
What the integration includes, per the documentation currently available:
- Installing and configuring the module with your credentials.
- Registering sellers, both individuals and legal entities, through the admin panel itself.
- Configuring the commission applicable to each seller.
- Activating the Split payment method in the store.
What you must do separately, directly with Getnet: managing balances, releasing funds, making adjustments, and reconciling, the same as with VTEX.
Payment Methods
Split accepts the payment methods commonly used in the Brazilian market. The split works the same way with all of them. What changes is the receivable timeline and a few operational specifics.
| Method | Specifics | Status |
|---|---|---|
| Credit card, single payment | The primary payment method in both digital and in-person channels. Standard split and receiving per the card calendar | ✓ |
| Credit card, installments | Payment in installments. The split is applied to the operation, and the seller's receiving follows the installment calendar | ✓ |
| Combined card (two cards) | The buyer splits the amount between two cards, but the split is resolved on the total purchase amount, not per card. Digital channel only | ✓ |
| Debit card | Standard split, with availability depending on the channel | ✓ |
| Pix | Immediate payment, in a single amount, with no installments and no chargeback. Receiving availability is considerably faster than with card (D+1) | ✓ |
| Boleto | Deferred payment: the buyer pays after issuance, and the split materializes when the boleto is actually paid. Digital channel only | ✓ |
Not all payment methods are available on every channel. To learn more about the details that apply to your operation, talk to the Getnet team.
Note: Payments in more than 12 installments will be available starting in Q4 2026.
Next Steps
- Balance Management: see how each seller's amount is released and adjusted.
- Settlement: see when and how each seller gets paid.
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