1. Scenario overview
Settlement and split payments are about the money, which is a different job from order management (the transaction record). Three cases sit here. Carrier reconciliation checks SIM purchase fees, traffic fees, and similar charges with the carrier. Channel revenue share pays agents and distributors on rules such as sales or order volume, on a settlement cycle. Payment split uses WeChat and Alipay split payments so that, once an order is paid, the channel share goes out automatically and nobody has to transfer it by hand.
This capability is about how the money is assigned: the settlement cycle, the share ratio, the settlement statement, and the reconciliation report. Order management records what was sold. Settlement and split payments decide how that revenue is divided. Together they close the path from the sale to the cash.
2. Core capabilities
Carrier reconciliation
Match SIM purchase fees, traffic fees, and monthly rent against the carrier bill. Check by SIM, by batch, or by time range. Mark a difference with a reason and track it until it is closed. A passed reconciliation is the basis for payment, so purchase cost stays accurate.
Channel revenue share
Set the share for agents and distributors by order, by sales, or by purchase volume, and generate a statement on a monthly or weekly cycle. The statement lists purchases, sales, and the share, and it can be exported alongside the payout record. Multi-level share rules are supported.
Payment split
Connect to WeChat and Alipay split payments. After an order is paid, the configured share goes to the channel automatically, with no manual transfer. This fits B2B2C and agent revenue share. Apply for the split capability first, and configure each recipient before you use it.
Reconciliation reports
Settlement detail, reconciliation reports, and an audit trail. Filter and export by time, channel, or order type for finance and audit. A payout record can be tied to its statement, with status tracking and a trail for auditors.
3. Settlement flow
4. Settlement, orders, and traffic billing
Settlement, order management, and traffic billing answer different questions. The differences are below.
| Dimension | Settlement and split | Order management | Traffic billing |
|---|---|---|---|
| Focus | How revenue is divided | What was sold | What is owed |
| Core capabilities | Reconciliation, revenue share, payment split | Order records, status changes, refunds and invoices | Plan fees, overage fees, bill generation |
| Underlying data | Assign cash from orders and rules | Transactions: plan orders, renewals, top-ups | Billing logic for usage, plans, and overage |
| What teams need | Transparent share rules and a traceable settlement | Traceable orders and a clear refund and invoice path | Accurate charges and bills that can be reconciled |
The three work together. Order management creates the transaction. Traffic billing sets the amount due. Settlement and split payments set what each channel should receive, so both the sale and the cash close.
5. Typical use cases
- Carrier monthly close: Each month, reconcile with the carrier, check SIM purchase fees and traffic fees, and pay once the numbers match.
- Agent monthly close: Build a statement per agent with purchase volume, sales, and the share amount, then pay on the cycle.
- Payment split: After a B2B2C order is paid, send the configured share to the agent or distributor automatically, with no manual transfer.
6. Why it matters
The SimtoLink settlement and split-payment offering keeps cash movement orderly. Payment split shares revenue automatically and cuts manual work. Statements and reconciliation reports meet finance and audit needs. Carrier reconciliation keeps purchase cost accurate. Channel revenue share rules are transparent and traceable. Together with order management and traffic billing, the sale and the cash both close.
7. Implementation notes
Set the settlement cycle and the share ratio, and reconcile with carriers and channels on a regular cadence. Payment split has to be applied for in advance, and each recipient has to be configured first. A statement with line detail is what finance needs for the books and for audit. Talk through differences quickly: mark the reason and track each item until it is closed. SimtoLink can help design the settlement flow and connect the split.