Most payment systems are still built on one assumption: one transaction, one recipient. But modern business no longer works that way.

A single payment often represents value created by multiple parties — merchants, platforms, service providers, franchises, municipalities, and partners. The work is shared, but the payment flow is not.

Today, this creates friction. Funds are collected in one place and then redistributed later through manual processes, reconciliation, and delayed settlements. As ecosystems grow, so does the complexity.

A different approach

Digiteal, together with Switchio, introduces Split Payments – a way to distribute funds at the moment of payment, not after it.

A single card transaction is automatically split across multiple beneficiaries in real time. Each party is paid directly to its own bank account, based on predefined rules. No manual redistribution. No reconciliation. No delays between partners.

How it works

A payment is initiated through Switchio’s terminal or system and processed via existing acquiring infrastructure. Split rules defined in Switchio determine how funds are allocated, and Digiteal routes each share directly to the relevant beneficiaries. Each party receives its share on its own bank account.

Where it matters

Retail networks, hospitality, events, platform models, and public-private services all rely on shared revenue flows. In these environments, the challenge is not collecting payments. It is distributing them efficiently.

Infrastructure

Split payout routing is enabled through Digiteal, part of Aera Payment & Identification, licensed by the National Bank of Belgium and ISO 27001 certified, and integrated with established acquiring infrastructure via Shift4.

Perspective