Definition
Payment splitting connects to the split capability of WeChat or Alipay. After an order is paid, the amount is automatically shared with distributors at each level according to the configured ratio, with no manual transfer. Unlike settlement and profit sharing, which pays out on a settlement cycle, payment splitting finishes the profit share at the moment the order is paid. It fits multi-level distribution, B2B2C, and similar cases.
Core Features
- Instant Profit Sharing: Once the order is successfully paid, the payment is automatically distributed to each level according to the proportion, without waiting for periodic settlement
- No Manual Transfer: Funds are automatically allocated by the payment platform, reducing settlement manpower costs
- Multi-Level Split: Supports first-level, second-level, third-level, and other multi-level distribution, with each level automatically distributed according to the configured proportion
- Compliant and Traceable: Split records are complete, meeting financial and audit requirements
Difference from Settlement Profit Sharing
Settlement profit sharing is periodic (e.g., monthly settlement), where after generating a settlement statement, payments are made manually or in bulk. It is suitable for agent purchasing models. Payment split distributes to each level automatically at the time of order payment, suitable for distributor allocation models. Both can coexist: companies can simultaneously have agents (settlement profit sharing) and distributors (payment split), configuring different systems according to channel type.
Implementation Requirements
Payment splitting requires an advance application for the WeChat or Alipay split capability. The split receiver must be bound to the distributor’s WeChat or Alipay account. Used with settlement splitting, it keeps channel funds under a clear process.
Split configuration and sales attribution
The split ratio used for payment splitting must match the sales attribution and profit-sharing ratio settings. When an order is paid, the platform looks at the distributor levels attributed to that order and automatically shares the funds with each level at the preset ratio. A split receiver must complete WeChat or Alipay merchant verification, and the platform must keep the binding between the distributor and the split receiver. If a split fails, the platform must support a resend and manual handling. Payment splitting fits B2B2C cases in which a C-end user pays directly and multi-level distributors receive an immediate profit share. It complements the agent path of settlement and profit sharing.
Payment splitting and resource allocation
Payment splitting is used together with a distributor’s resource allocation. The distributor sells to C-end users within the quota. When the user pays, the amount is automatically shared with the split receivers at each level according to the profit-sharing ratio. Payment splitting must be applied for in advance on WeChat Pay and Alipay, and the split receiver must be bound to the distributor’s account. Payment splitting is a core capability of the IoT Cloud Platform for the distributor model. Together with settlement and profit sharing, it forms a dual-track system for channel profit sharing.
How the divisible amount is cut from what was received
Payment split happens at the moment the user pays for an IoT card plan. The funds are still on the payment channel’s side, and the channel, following the instruction, cuts what was actually received and sends it to receivers that have already been onboarded. The platform does not transfer the money itself. The divisible amount is generally the user’s actual payment minus the channel fee. It cannot be split from the list price. The ratio has to be written in advance as “receiver identifier plus a ratio or a fixed amount.” The levels added together must not exceed the divisible balance, and the remainder stays with the collecting merchant. If a card order contains several plans or top-up packs, decide first whether the split base is the whole amount paid or the net after discounts. Mixing the two bases makes the ratio the channel sees disagree with the finance ledger.
The trigger is a successful payment status, and a sales attribution on that order that maps to a set of valid receivers. If attribution is missing, a receiver has not finished the relationship binding on the channel side, or the ratios sum past the cap, refuse the whole split and keep the reason. Do not split the levels that can be paid and leave the rest to a verbal agreement later. A makeup split must reuse the original payment number, so it does not create a second collection.
How money already split out is returned on refund
A refund is raised when plan delivery fails, the user cancels before the plan takes effect, or the card is judged unable to be reactivated. Amounts already split out cannot be taken only from the platform merchant balance. Otherwise the receivers still hold their share on the channel side, and the books show the platform advancing the money. The right step is a return built from the original split lines: each receiver returns the part it received, the platform returns the part it kept, and the returns add up to this refund. A partial refund is scaled by the same ratio. Do not refund only the platform’s retained share and leave the channel’s profit unchanged, unless the commercial contract states that allocation explicitly.
The split instruction and payment success are not the same moment. Payment can succeed while the split API times out. On the user side the card may already be open, while the money is still entirely with the collecting merchant. Do not make the user pay again, and do not move the order back to unpaid. Query the split status of that payment, and if it is unfinished, retry the original payment. A frozen receiver account or an expired merchant relationship is the most common failure at this step. It should be blocked before the card is opened, not discovered after the user has paid and the money cannot be split out.
Instant sharing in SimtoLink channel settlement
In connectivity-management channel settlement, SimtoLink offers a split at payment time for distribution chains that share per order. When a user pays for a card, the system calls the channel split using that card’s attribution chain and ratio at that moment, instead of waiting for month-end and a manual transfer. When this runs alongside a periodic settlement statement, the statement must deduct amounts already split out at payment time, so the same sale is not shared twice. A ratio change affects only new orders after the change. Historical payments that were already split keep their original lines, so an audit can replay them.
On the product side this corresponds to SimtoLink WeChat and Alipay collection and settlement and revenue sharing. Before go-live, walk one small real payment through three paths: payment success, split success, and refund return. Confirm that the receiver’s bill shows the matching card order number.