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Some features our Easy Split provides:
  • Faster settlement to your vendors (T + 2 settlement cycle).
  • Unburden yourself from opening and managing a Nodal account.
  • Route payment from each order to vendors easily.
  • Individual commissions, simplify taxes and much more.
  • Make on-demand adjustments (refunds/bonus) to vendor payouts.
  • Works for non-PG or Cash on delivery orders as well.
  • Access vendor ledger wherever you need using our APIs or our dashboard.
Easy Split automates payment splitting, helping you manage vendors and transactions effortlessly. With Easy Split, you can:
  • Onboard, manage, and pay vendors with ease.
  • Split payments and handle refunds at the order level.
  • Track settlements, refunds, and earnings through detailed reports.
Key Benefits:
  • Simplify Settlements: Save your Finance team time with fewer banking tasks.
  • Streamline Accounting: Accept only your earnings, making tax computation easier.
  • Clear Ledger Insights: Access historical credits, debits, and earnings per order, vendor, or month.
Go Global:
  • Onboard and support international merchants seamlessly.
  • Automate payouts to their home bank accounts with a standard T+2 payment cycle.
Contact sales to learn more
Refunds are a feature on PG that allows you to return funds back to the payment source. If the PG on your account is linked to Easy Split, then you also need to factor out how vendors will bear the liability for a refund. By default, the balance of respective vendors is debited in the proportion of their commission for the order. For example, let’s say there is an order of Rs.100 where Vendor 1 gets Rs. 60 and Vendor 2 gets Rs. 40. This order has a refund of Rs. 50 against it. In such a case, Vendor 1 will receive a debit of Rs. 30 on their balance, and Vendor 2 will have a debit of Rs. 20 against it. This will be adjusted in the next payout to the respective vendors. However, this feature can be turned off in your account if you want to handle the debits against the vendors yourself.Interested in Easy Split? Contact Sales for more information.
Zero! Everything is automated—from receiving payments through Payment Gateway to settling funds in Vendor’s bank account. Focus on growing your business while we handle the rest!
Vendors can be added manually from the dashboard. To add a new vendor,Go to Payment Gateway Dashboard > Easy Split - Vendor > Add Vendor.Enter the following details:Vendor ID - ID of the vendor. Phone Number - phone number of your vendor. Email ID - Email address of your vendor. Vendor Line of Business - Select your vendor’s line of business. Click here to know more. Vendor Business Type - Select the business type of your vendor. Click here to know more. Settlement Cycle - Select the schedule option through which you want to settle your vendors. Click here to know the available settlement cycles. Once done, click Next. Mention the Vendor Bank Account Details such as Account Holder Name, Account Number, and IFSC Code or UPI VPA to process payments to the vendor account.We also support automated addition through the APIs.The documentation for the APIs is available here. Read more.
Charges will be communicated by your account manager. It is debited from the merchant’s balance in the nodal account.Example: If a settlement of Rs 100 is done, Rs 100 + charges will be debited. Invoice for payout is available on the dashboard separate from payment gateway charges.
Only successful transactions get added to a Vendor’s balance. The accrued balance gets settled. The status can be:
  • SUCCESS
  • FAILURE
  • IN PROGRESS Read more
Charges will be communicated by your account manager. It is debited from the merchant’s balance in the nodal account.Example: If a settlement of Rs 100 is done, Rs 100 + charges will be debited.The invoice for the payout is available on the dashboard, separate from the payment gateway charges.
One. Settlement of all the unsettled transactions are grouped together and sent as a single payout. We share the bank reference number for the transfers, that can be shared with the vendors for tracking purposes.
A transfer is a settlement to the vendor. The transaction is the payment that a customer may have made, which was added to the Settlement account manually or via API.
Easy Split automates payment splitting between you and your vendors. With Easy Split, you can:
  • Onboard, manage and disburse payments to vendors.
  • Perform splits at order level and manage refunds from vendors smoothly.
  • Track all transactions through detailed reports covering:
At the time of adding a transaction, you can assign the appropriate numeric commission amount against each vendor that you add with Cashfree.
Go to Payment Gateway Dashboard > Easy Split - Vendor > Add Vendor.Enter the following details:Vendor ID - ID of the vendor. Phone Number - phone number of your vendor. Email ID - Email address of your vendor. Vendor Line of Business - Select your vendor’s line of business. Click here to know more. Vendor Business Type - Select the business type of your vendor. Click here to know more. Settlement Cycle - Select the schedule option through which you want to settle your vendors. See available schedule options to know the available settlement cycles.
Marketplace Aggregators – Split customer payments among vendors, manage commissions, and track transactions in real-time.
  • EdTech Platforms – Collect student payments and distribute funds to instructors after deducting charges.
  • Franchise & Multi-Branch Outlets – Centrally manage payments and route funds to individual branches or stores.
  • Investment & Insurance Marketplaces – Settle 100% of the order amount to AMCs or insurers with same-day reconciliation.
  • Educational Institutes – Automate payment splits for tuition, hostel, stationery, and other fees.
  • On-Demand Services – Seamlessly split payments for cabs, flights, food delivery, and more.
See Easy Split use cases to know more
  • Add/Update Vendor: You can add or update your vendor details by providing basic information about the vendor and their account details.
  • Split after payment success: This feature allows to initiation of split after successful confirmation of payment by the customer.
  • Transfer Vendor Balance: You can initiate manual Credit/Debit of a configured vendor-configured settlement account.
  • Refund before split: If the refund is initiated before the vendor split is shared, Cashfree directly refunds the money to the customer payment instrument in the next settlement.
  • Refund after split: If the refund is initiated after the vendor split is shared - The refund will be done from your and vendor’s settlement account according to the respective transaction split created.
  • Deferred Settlement: This API allows you to assign a settlement eligibility date for an order and vendor combination. For more information, see Easy Split features.
While adding vendors, if you have specified incorrect vendor details or missed adding some information, you can modify it using the Edit Vendor feature on the product dashboard or use the Update Merchant Details API.To edit the details of the vendor you have already added:
  1. Go to Payment Gateway Dashboard > Easy Split - Vendor.
  2. Click the ellipsis icon on the vendor you want to make changes to and select Edit Vendor.
You can update the following details: Vendor details:
  • Vendor phone number
  • Vendor email ID
  • Settlement cycle
  • Dashboard access
Vendor bank account details:
  • Account holder name
  • Account number
  • IFSC code
  • UPI VPA
  • Verify account details option
KYC details:
  • Vendor type
  • Business type
  • Documents (Based on the vendor type and business type of your vendors)
Once done updating the changes, click on the Update Vendor Details option to save your changes.Delete Vendor You can delete the added vendors from the dashboard:
  1. Click the ellipsis icon on the vendor you want to delete.
  2. Select Delete Vendor.
  3. Click Delete in the pop-up window.
Batch Upload Use the Batch Upload feature to add a large number of vendors at a time. Add all the required details in a single file as per the required format and upload the file. Download the sample file to know what details are required to be filled in the batch file.To upload a batch file:
  1. Go to Payment Gateway Dashboard > EasySplit - Vendor and click Upload File.
  2. Click Choose a file to select the file you want to upload, and then click Upload.
Key Points:
  • The maximum file size allowed is 8 MB, and a maximum of 50 records can be included in the file.
  • The file must be in the suggested format. If there are errors in the uploaded file, resolve all errors and upload the file again.
After successful processing, all vendor details will be added, and you can start processing payments to these vendors.You can view the vendors that are added successfully from the uploaded files in the Easy Split - Vendor screen. An error log (if any) will also get downloaded to view more details.
To split payments to your vendors using Easy Split, you must first ensure the feature is activated for your Payment Gateway account. Fill out the Support Form or contact your Account manager to enable it for you. The feature should be activated for your Test and Production environment.To split payments to vendors;Add Vendor Create Order Accept Payment Split Payment View Split Settlement Details Manage Refunds using Refund Splits Manage Adjustments See the Easy Split overview to view it graphicallyFor more information, see the Create Order API and the Refund API.
The Split After Payment feature is not enabled by default. To split a transaction after payment, fill out the Support Form to enable it and configure the maximum allowable split delay, up to 48 hours after payment. You cannot retroactively split transactions created before you enable the feature.
You can define the settlement cycles right when you add the vendor. You can settle your vendors through the following settlement modes:To view the settlements, go to Payment Gateway Dashboard > Settlements > Vendor. Vendor settlement details such as date and time, settlement type, vendor ID, settlement ID, and settlement status are displayed.Generate the settlement recon report for each vendor settlement to view all the transaction details associated with the settlement, including any adjustments/refunds. Provide the file name, choose the file format, and click Generate Report.Once you generate the report, you will be automatically redirected to the Reports section.
You can delay vendor settlements by enabling deferred settlements in your account. To do this, ensure the Split API is called within the scheduled interval; otherwise, the full transaction amount will be credited to you.Delays can be added at two levels:Order Split Delay Post Successful Payment – Delay settlements after a payment is completed. Defer Settlement – Hold settlements for a specified period before processing. See delayed settlements overview to know more
The vendor reconciliation report lists all the transactions, adjustments, settlements and refunds that are associated with vendors. This will help you reconcile all transactions from your vendors with their respective settlement ID, time, and UTR. Cashfree offers a wide range of reports such as: Vendor Recon Report Transaction Summary Report Refunds Report Vendor Split Settlement ReportTo know how to view these reports, see reconciliation reports
Refunded amount gets adjusted during the next settlement cycle. It will be deducted from commission amount of vendors who received settlement on that transaction.
View reports by day, week, or custom date range. Filter, search, and download options are available.
Enable deferred settlements in your account settings. Ensure the Split API is called within the configured settlement interval.
Easy Split supports a deferred settlement period of up to 45 days. You can hold a vendor’s settlement amount for up to 45 days from the transaction date. If you take no action within that window, the held amount settles to the merchant. This limit cannot currently be extended. See Delay vendor settlements to configure a delay within this limit.
View settlements at: Payment Gateway Dashboard > Settlements > Vendor.
Use the Batch Upload feature:
  1. Download the sample file
  2. Enter vendor details in the specified format
  3. Upload the completed file
When you update a vendor’s settlement eligibility date, use settlementEligibilityDateUpdate in the JSON request body. Provide the date in the format YYYY-MM-DD HH:mm:ss. See the sample request in Defer Settlement.
You can split a single transaction among a maximum of 5 vendors.
Refund amounts are:
  • Deducted from the merchant’s next settlement
  • Adjusted from vendor commissions if configured
  • Applied only to vendors who received the original settlement
Activation runs asynchronously. When you create a vendor with a valid bank account and PAN, the expected timelines are:
  • Sandbox: typically within 10 minutes.
  • Production: may take longer depending on the processing queue.
If the vendor remains in IN_BENE_CREATION after 24 hours, follow these steps:
  1. Poll the Get Vendor API to check the current status.
  2. Fill out the Support Form with the vendor IDs so Cashfree can investigate.
See Add a vendor for the full vendor status workflow.
Vendors receive one settlement per day:
  • Includes all unsettled transactions.
  • Bank reference number provided for each payout.
  • Share the reference number with vendors for tracking.
If you initiate a refund after you create a split but before vendor settlement, use the Create Refund API with split details. Easy Split deducts the refund amounts from both the merchant and vendor balances, including the deferred or held share, before it refunds the customer. If the vendor has insufficient balance, adjust the balance first. See Initiate Refunds and Adjust Vendor Balance.
Use the Vendor Reconciliation API in time-period mode. Make a POST request to /pg/recon/vendor with a start_date and end_date in the filters, without specifying a merchant_vendor_id. The API returns a paginated list of reconciliation data for all vendors within that date range. Each record includes a merchant_vendor_id field, which you can use to identify the vendor associated with the adjustment by matching the amount, timestamp, or other known details.Endpoint: POST https://api.cashfree.com/pg/recon/vendorSample request body:
Records older than 6 months require a date range in the request. The pagination limit must be between 10 and 100 per call.
The 45-day period does not reverse the held vendor share to the vendor. You must initiate the split within the applicable window for that amount to settle to the vendor. If you take no action, or if you do not provide split details in the Create Order API, the entire order amount settles to the merchant after the applicable period. See Order Split Delay.
For disputed transactions, Cashfree withholds the disputed amount from the merchant balance rather than the vendor balance. Vendor settlements continue according to the configured cycle. Cashfree either reverses the withheld amount or processes it to the customer based on the final dispute status. Cashfree does not extend the 45-day window for disputes because it handles them at the merchant balance level. See Disputes overview.
There is currently no specific limit on the number of vendors you can create with the Create Vendor API.
For current Payment Gateway charges across cards, UPI, and net banking, see Pricing. Standard rates apply after any promotional campaign limits are reached.
Easy Split is an additional feature on top of the Payment Gateway. It carries a charge of 0.2% per split in addition to the standard PG charges.
You can use Easy Split to manage vendor splits. Create vendor splits while creating an order using the Create Order API, and the split amount will be settled to the respective vendor based on their configured settlement cycle. Refunds can be processed using the Refund API.
Yes. Easy Split can split the payment amount among the configured vendors automatically. Pass the split details through the API, and Cashfree splits the amount according to those instructions. See Easy Split overview.