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Payment Splitting

Payment routing across brands, legal entities, and currencies

One cart. Two Brands. Two payment models.

Multi-brand commerce requires more than a shared cart. When two brands operate on separate ERP systems and use different payment capture models, checkout has to coordinate multiple back-office flows without adding any friction for the customer.

Customers complete a single checkout for items spanning two brands across three storefronts. The platform pre-authorizes two separate charges, one per brand merchant account, then splits the order and routes each part to the correct ERP. Brand A uses deferred capture triggered at shipment. Brand B uses immediate capture at purchase. A middleware orchestration layer coordinates the split and timing automatically.