---
title: Split Payment
slug: user-documentation/split-payment
docTags: 
createdAt: 2024-05-23T11:45:39.613Z
---

Split payments allow customers to settle a single order using multiple payment methods. This provides flexibility and convenience, enabling them to:

- Utilize various payment sources like credit cards, gift cards, or loyalty points.
- Manage spending across different accounts.
- Make larger purchases by combining available balances.
- Take advantage of promotions or rewards offered by specific payment methods.

## Benefits of Split Payments

- **Increased Customer Satisfaction**: Offering split payments enhances the shopping experience by catering to diverse financial preferences.
- **Boosted Sales**: Customers are more likely to complete purchases with flexible payment options, potentially increasing average order value.
- **Improved Conversion Rates**: Split payments can encourage customers to finalize transactions they might otherwise abandon due to insufficient funds in a single payment source.

## UpStart Commerce Split Payment Functionality

Currently, UpStart Commerce supports two split payment methods:

- **Synchrony**: Often used for financing purchases of specific items.
- **Cybersource (Credit Card)**: Ideal for processing standard credit card transactions, typically used for taxes and shipping.

### Example Checkout Flow for Split Payments

1. **Customer Adds Items:** The customer selects their desired items and proceeds to checkout. The total cost, including taxes and shipping fees, is displayed.
2. **Payment Method Selection: **During checkout, the customer chooses between normal or Split Payment.
3. A disclaimer is displayed for split payments: "For split payments: Item cost via Synchrony and taxes and shipping via Cybersource." This clarifies how the cost will be divided.
4. **Split Payment Selection**: If the customer chooses "Split Payment," they will:
   1. Provide details for both Synchrony and Cybersource (credit card) payment methods.
5. Click "Continue" to proceed with the transaction.

### Authorization and Capture Process

**Authorization Process**

- **Authorization**: Once payment details are submitted, the system attempts to authorize all payment methods simultaneously.
- **Authorization Failure**: If authorization fails for any payment method:
  - The authorization for all other methods is reversed.
  - The customer receives messages indicating the authorization failure for the specific payment and the overall authorization reversal due to the failed attempt.
- **Successful Authorization**: If all payment methods are authorized successfully, the system attempts to capture the authorized amounts.

**Capture Process**

- **Capture**: The system attempts to capture the authorized amounts from each payment method.
- **Capture Failure**: If capturing an amount from a specific payment method fails: 
  - The system reverses any successful captures from other payment methods.
  - The customer receives messages indicating: 
    - The failed capture for the specific payment method.
    - The reversal of any successful captures from other payment methods.
  - No actual refund is processed, as the funds were never fully charged to the customer's account.

###  [Order Management](docId\:Nh2s941tT_AgIHDnlvCxx) 

- **Order Details**: Within the order details, each payment method used in the split payment will be displayed with its respective status (authorized, captured, refunded, etc.).
- **Cancellation**: If an order requires cancellation:
  - All authorized payments will be reversed.
  - Any captured amounts will be refunded.
- **Synchronization**: Synchronization occurs independently for each payment method used in the split payment transaction.