How It Works
Configure your settlement rules once, and we handle the rest. Every transaction is automatically split and settled according to your specifications.
Register your Account and add multiple bank accounts for settlement.
Set up percentage or fixed amount splits for each account at the static level.
Customers pay through your gateway as usual without any changes.
Funds are automatically split and settled to configured accounts.
Configuration Options
Whether you need to distribute revenue among vendors, partners, or different business units, our settlement routing gives you complete control over how funds flow.
Distribute a percentage of each transaction to different accounts. Perfect for commission structures and revenue sharing models.
Route a specific fixed amount to designated accounts regardless of transaction size. Ideal for flat fees and service charges.
Combine percentage and fixed amount rules for complex settlement scenarios with multiple stakeholders.
Use Cases
From marketplaces to franchise networks, settlement routing adapts to your unique business model.
Automatically split payments between the marketplace and multiple sellers with customizable commission rates.
Route royalty payments to headquarters while keeping operational revenue at the franchise level.
Distribute payments among multiple suppliers or vendors involved in a single transaction.
Split bookings between hotels, travel agents, and service providers seamlessly.
Separate delivery fees from product costs and route to respective parties automatically.
Distribute course fees between instructors, platform, and content creators fairly.
Automated Distribution
Once configured, settlement routing works automatically for every transaction. No manual intervention, no delays, no errors.
Splits are calculated and applied instantly as payments are received.
Full audit trail with detailed breakdown of every split transaction.
All parties receive their funds in the same settlement window.
Comprehensive reports showing splits by account, period, and transaction.
Everything you need to manage complex settlement scenarios with ease.
Add unlimited bank accounts per merchant for flexible fund distribution.
Accurate split calculations down to the smallest currency unit.
Configure daily, weekly, or custom settlement schedules per account.
Monitor splits, settlements, and fund flows in real-time.
Get notified when settlements are processed for each account.
Download detailed settlement reports in multiple formats.
Full history of all configuration changes and settlements.
Bank-grade security with full regulatory compliance.
Expert support team to help configure complex routing rules.
Configure settlement routing programmatically through our API or use the dashboard for no-code setup. Changes take effect immediately for all future transactions.
View Documentation// Configure settlement routing const zuato = require('@zuato/sdk'); const routing = await zuato.settlements.createRouting({ merchant_id: 'MRC-2024-001234', splits: [ { account_id: 'acc_primary', type: 'percentage', value: 70 }, { account_id: 'acc_vendor', type: 'percentage', value: 25 }, { account_id: 'acc_platform', type: 'fixed', value: 50, currency: 'AED' } ] }); console.log(routing.id); // rout_xK9mN2pQ
Common questions about Settlement Routing.
There's no limit to the number of accounts you can configure for a merchant. You can add as many bank accounts as needed and create complex split rules across all of them.
Yes, you can create hybrid rules that combine both percentage-based and fixed amount splits in the same configuration. Fixed amounts are deducted first, then percentages are applied to the remaining balance.
All split accounts receive their funds in the same settlement cycle. Whether you're on T+1 or T+2 settlement, all parties receive their share simultaneously.
Yes, you can update split rules at any time through the dashboard or API. Changes take effect immediately for all future transactions. Historical transactions remain unaffected.
When a refund is processed, the system automatically calculates and reverses the split amounts from each account proportionally, ensuring accurate reconciliation across all parties.