One order.
Split across
the whole group.
Four friends want the £480 booking. None of them wants to front it and chase the other three. SharePay charges each of them their own share, on their own card, and settles the whole order at once.
Personal onboarding · Pricing agreed before launch · Paid into your own payment account
Order WKND-2231
£480.00
- AM Alex M. £120.00 Authorised
- SO Sam O. £120.00 Authorised
- JP Jo P. £120.00 Authorised
- RK Riya K. £120.00 Waiting
Riya's hold is the last one needed. No one is charged until she approves.
Everyone's card is held.
Nobody's card is charged.
A split isn't a payment plan and it isn't credit. It's a set of ordinary card authorisations that all settle at the same moment, or all disappear.
-
Each share is held
Every participant authorises only their own amount, on their own card. Each one is a separate hold on their card: money reserved, not charged.
-
The group completes
The moment the last person authorises, SharePay captures every hold together. You see the whole order settle at once, not a trickle of partial payments to reconcile.
-
Or it all unwinds
One person declines, or the week runs out, and every hold is released, including from the people who already agreed. You never have to refund a half-collected order.
Your own payment account
Payments are made directly on your own account with your provider. SharePay never holds your funds.
No escrow
No SharePay balance, no payout schedule of ours to wait on.
Liability unchanged
Disputes stay between you and the cardholder, as on any card payment you take.
Pricing built around your business.
We are onboarding businesses personally while we learn what works across different order sizes, volumes and customer journeys.
We will understand how you plan to use SharePay, agree pricing with you, and put the commercial terms in writing before you take a live payment.
Talk to us about pricingWhat we agree before launch
- The pricing structure. Based on your expected transaction volume, average order value and integration.
- Who pays each fee. You will know what your business pays and what, if anything, appears on the customer's pay page.
- How you go live. We will help you test the flow in the Sandbox before enabling live payments.
Your payment provider continues to bill its own processing fees to you directly.
It depends on whether you know who's paying.
Both routes need your payment provider connected first: Stripe, Adyen or Worldpay. We help you set it up.
You already know the group
Bookings, invoices, deposits: anywhere you have the names and you're agreeing the split yourself. No code at all.
- 1
Create the split in your dashboard: the order reference, then each person's email and the amount they owe. The form checks the shares add up to the total.
- 2
Send everyone their link. SharePay generates one pay link per participant. Each person sees only their own share.
- 3
Watch it complete. The dashboard shows who's authorised and who hasn't. You're paid when the last one does.
You'll need each participant's email address up front. This flow doesn't hand your customer a link to divide up themselves.
Your customer picks the group
Splitting as a checkout option on your own storefront. Your buyer invites the others and sets the amounts. Needs a developer.
- 1
When your buyer chooses Split, your site asks SharePay for a checkout link.
- 2
The buyer invites the group and sets the amounts on SharePay's page, then comes back to your site.
- 3
SharePay tells your site the moment the order is paid, so you can fulfil it.
Set an allowed domain in Settings first. Your return and cancel URLs must be HTTPS and match it exactly.
The limits, up front.
- UK and GBP only
- SharePay is for UK businesses, and splits settle in pounds. Other countries and currencies aren't supported yet.
- About a week to complete
- Card holds expire after roughly seven days. SharePay cancels at six, so holds are released cleanly rather than lapsing.
- Disputes stay with you
- Charges are created directly on your account, so chargeback liability is unchanged. We don't take it on, and we don't shift it.
- Refunds are pro-rata
- Each share is its own charge, so refunding a completed split returns each person their own money automatically, service fee included.
Try it before you connect a real business
Run the whole flow on our demo environment with test cards. No verification, no real money.
Already spoken to us?
Open your business account and connect your payment processor. Takes a few minutes, and you can finish the rest later.
Questions merchants actually ask
Something not covered here? Email [email protected] and a person will reply.
Do I need to write any code?
Not if you already know who's paying. You can create a split from the SharePay dashboard by entering each person's email and their share, and SharePay sends everyone their own pay link. To offer splitting to customers on your own storefront, you do need a developer: that route is a REST API and a redirect.
What does it actually cost?
We agree pricing with each business during onboarding. It depends on how you plan to use SharePay, your expected volume and your average order value. You will see and approve the commercial terms before you connect SharePay to live payments.
What do my customers pay?
Each customer pays their agreed share of the order. If your commercial terms include a customer-paid SharePay fee, their pay page itemises it and shows the full card total before they authorise anything. Each share must be at least £1.
When do I get paid, and how much?
The whole order is captured at once, when the last participant authorises their share. Until then every share is a hold on the payer's card and no one has been charged. Your payout and any SharePay charges follow the commercial terms agreed during onboarding. Your payment provider also charges its usual processing fees directly. If someone declines, or the group runs out of time, every hold is released and nobody is charged.
How long do customers have to pay?
About a week. Card holds expire after roughly seven days, so SharePay cancels a split at six days to release the holds cleanly before the card network does it for us.
Where does the money go?
Straight into your own account with your payment provider. Each share is a separate charge made directly on your account, so SharePay never holds, touches, or routes your funds. There's no escrow and no chargeback liability shift. Disputes stay between you and the cardholder, exactly as they would on any other card payment you take.
What if my payment provider rejects my application?
Contact SharePay support and we'll help you work through it. Verification is between you and your payment provider. We can't approve an account on your behalf, but we've seen most of the common rejection reasons before.
Who can use this?
UK businesses taking payment in pounds. Splits settle in GBP only, so other countries and currencies aren't supported yet.
Stop losing the orders nobody wants to front
Let the group split it, and settle the whole order at once.