eCommerce Split Payments: Let Customers Pay With Two Cards on Shopify, BigCommerce & More

Name: Optimum7
Brand: Optimum7
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Rating: 4.9 (94 reviews)

The Split Payments custom functionality provides the flexibility to divide a single transaction across multiple payment methods or funding sources. This feature is essential for organizations managing budgets across departments, utilizing purchase orders in combination with credit cards, or dealing with customer payments that involve multiple financial contributors. With seamless ERP integration, this functionality ensures accurate financial allocation and reporting while enhancing the user experience during checkout or invoicing.

eCommerce Split Payments: Let Customers Pay With Two Cards on Shopify, BigCommerce & More

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Multi-Method Support

Real-Time Reconciliation

User-Centric Interface

Benefits of Split Payments at Checkout

Improved Financial Flexibility

Split Payments empower organizations and customers to manage cash flow with precision. Whether aligning transactions to departmental budgets or using different funding sources for a large order, this feature facilitates custom financial arrangements without compromising on accuracy or processing speed.

Enhanced Transaction Accuracy

By recording each payment method used and the respective amount, this functionality ensures full traceability and compliance with financial policies. Integrated validations prevent overpayment or misallocations, maintaining ledger integrity and audit readiness across all departments.

Streamlined Customer Transactions

For B2B customers or clients with complex financial structures, Split Payments create a more accommodating purchasing experience. It allows for quicker order approvals and reduces the friction of payment-related delays, improving client satisfaction and operational throughput.

Industries That Benefit The Most From eCommerce Split Payments: Let Customers Pay With Two Cards on Shopify, BigCommerce & More

Oil & Gas

Operations often require procurement split between capital and operational budgets or across multiple internal cost centers. Split Payments ensure each portion of a transaction is correctly allocated, supporting regulatory and internal reporting requirements.

Aviation

Airlines and MRO providers benefit from splitting payments between departments (e.g., maintenance, logistics) or combining internal funds with OEM credits. This reduces reconciliation complexity and speeds up procurement cycles.

Manufacturers

Useful in managing large purchases where costs are shared across departments or product lines. This flexibility ensures smooth purchasing cycles without disrupting production schedules due to financial delays.

Construction

Construction firms frequently deal with multiple stakeholders or subcontractors funding a single project. Split Payments make it easy to divide invoices and record contributions transparently, supporting project cost tracking and compliance.

Chemical Manufacturing

Supports internal controls where different labs or units contribute to a bulk order, improving financial governance and minimizing administrative overhead in processing shared purchases.

Tool & Equipment Manufacturing

Allows flexible billing when supplying demo equipment or large orders, especially when multiple departments or distribution partners share payment responsibilities.

Power & Energy Suppliers

Enables strategic budget utilization for major infrastructure orders by splitting payments across capital projects, departments, or even fiscal periods.

Automotive Manufacturing

Facilitates cost-sharing across design, engineering, and assembly units for new component orders. This aids in aligning financial responsibility with operational usage.

Electronics Manufacturing

Ideal for R&D-heavy environments where project budgets fund different parts of a procurement. This functionality keeps cost attribution clear and fosters internal accountability.

Pay With Two Cards Option at Checkout

Our team can give you a FREE custom quote for getting this functionality implemented on your website today.

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Other Functionalities

Multi-Warehouse Inventory Management Tool

Product Comparison Functionality (side-by-side) for Bigcommerce, Shopify, Magento and eCommerce Sites

Chase Pay Integration

Pick Up From Location Functionality

Backup and Migration Functionality

Bulk Order Functionality for Shopify and BigCommerce

eCommerce Layaway Functionality

Multi-Address Shipping for Shopify, BigCommerce, and Other eCommerce Platforms

Ecommerce Advanced Search for Shopify & BigCommerce

ACH E-Check Payment Integration for BigCommerce and Shopify

Use Cases for Split Payments

Split payment functionality isn’t just a novelty—it solves real business problems:

High-ticket purchases: Shoppers use multiple cards to complete large orders
B2B clients: Use multiple business credit cards for expense tracking
Gift buyers: Two people sharing the cost of one order
Budget-conscious customers: Max out one card, cover the rest with another
Marketplace payouts: Split payments by vendor or product category

This flexibility improves customer satisfaction and increases the chances of order completion. Offering a wider range of payment options also strengthens customer loyalty by meeting preferred payment method expectations.

What are Supported Platforms for Split Payment Functionality?

This custom split checkout functionality integrates seamlessly with:

Shopify: Available as a private Shopify app integrated into your checkout. Fully compliant with Shopify Plus API constraints.
BigCommerce: Integrated via server-side scripting and API calls, compatible with both Stencil and headless frameworks.
Magento: Built into custom modules, supports native attribute mapping and secure payment routing.
Custom eCommerce Platforms: Connect via API or JavaScript injection. Scalable and platform-agnostic.

It connects to your existing gateway and backend, allowing you to manage transactions, refunds, reporting, and compliance from a unified system. We also support bulk order handling and analytics tagging.

Custom Search Fields and Product Compatibility

Want to let users search for payment options or filter products by split eligibility? We can add custom search fields, badges, or filters to your site to indicate which items support multi-card checkout. For stores with large product databases, this allows for highly personalized shopping experiences. Customers find exact products quickly and pay how they want using different payment methods, such as digital wallets, credit card payments, or interest free installments.

Revenue Splitting for Multi-Vendor Marketplaces

Do you run a marketplace? This functionality can extend to multi-recipient payment distribution. Route a percentage of each order to different vendors, departments, or bank accounts in real-time. This includes:

Vendor-specific revenue splits
Commission-based order processing
Real-time payout tracking
Compatible with Stripe Connect or custom payout systems

This functionality also helps you better manage cash flow across vendors or departments, ensuring smoother payouts and accounting workflows. We help you implement split payments with full visibility into which bank account receives which percentage.

Reporting, Analytics, and Order Management

Each transaction is logged with both card sources, amounts, and status. You can export YMM-style reports filtered by:

Selected payment method
Order totals by card
Declined transaction patterns
Conversion rates by payment type

This gives you visibility into how your customers use the feature and how it affects order flow. You can also analyze processing fees and identify opportunities to reduce transaction fees across payment service providers.

Compliance and Security

All payment data is tokenized and PCI-DSS compliant. Card info is never stored on your servers. Our integrations use industry-standard encryption and secure payment gateways to ensure safety. All digital wallets and debit cards are processed in accordance with modern compliance standards.

Add Split Payments to Your Store Today!

Let your customers pay with two cards or even mix digital wallets and debit cards. Add full split payment functionality to your Shopify, BigCommerce, or Magento store today. Contact Optimum7 to implement this custom checkout solution. Whether you're selling high-ticket items, operating a multi-vendor marketplace, or just want to improve the customer experience, split payments give you a clear edge. We’ll help you:

Customize your checkout flow
Integrate a split payment gateway
Ensure platform compatibility
Improve SEO and conversion performance
Optimize cash flow and reduce processing fees

Don’t limit your customers. Enable checkout flexibility and improve customer satisfaction now.