Native Payment Splitting.
One customer payment, automatically split across multiple merchant wallets. Platform fees, payouts, commissions. Handled at the protocol level.
Marketplaces, platforms, and affiliate-driven operators move one customer payment to many parties: the platform fee to treasury, the operator payout to the merchant of record, commissions to affiliates or referral partners. On card rails this is a two-system problem. The processor batch-settles the gross amount to the platform on a T+2 to T+7 schedule, and the platform then redistributes through a second payout system: affiliate payouts on Net-30, operator payouts weekly by bank transfer, treasury sweeps monthly. Every leg adds its own reconciliation work (matching the payout ledger back to the original transactions), its own payout minimums and per-transfer fees, and its own failure modes when a bank rejects a transfer or an account changes. The error and dispute surface multiplies with every recipient. Generic crypto checkout does not fix this either: splitting a payment usually means sending multiple separate on-chain transfers, paying gas on each one, and trusting whoever runs the script to paste five wallet addresses correctly, every time.
PYMSTR splits a single payment across multiple wallets in one on-chain transaction. You set each recipient's amount when creating the payment through the API: the merchant amount plus the seller amounts must equal the total, and the amounts are locked in fiat terms at a fixed exchange rate the moment the customer initiates payment. The customer pays once. PYMSTR encodes every transfer into a single ERC-4337 smart-wallet transaction, so the split executes atomically: either every recipient is paid in the same confirmed transaction, or nothing moves. There is no batch to wait for, no second payout system to reconcile, and no partial state where the platform got paid but the affiliate did not. PYMSTR's 1% fee is deducted proportionally across all recipients, so a $100 payment split $30/$50/$20 settles as $29.70, $49.50, and $19.80, with the merchant share absorbing the rounding dust. Recipients are plain wallet addresses: sellers and partners do not need a PYMSTR account to get paid. Gas is abstracted through the smart-wallet flow, so nobody is juggling native gas tokens to receive their share.
Three steps, on-chain.
Configure splits via API
Set each recipient's wallet address and amount when creating the payment (e.g., $100 total: $30 merchant, $50 seller, $20 partner). Merchant amount plus seller amounts must equal the total.
Customer pays once
The customer makes a single payment. They see one amount, one transaction.
Funds split automatically
PYMSTR routes the stablecoins to each wallet according to your configured splits. All in one atomic transaction.
Ethereum
Base
Polygon
Arbitrum
BNB Smart Chain
| Rail | Split mechanics | Recipient payout timing | Reconciliation | Final by |
|---|---|---|---|---|
| Card platform payouts (processor + payout provider) | Processor settles gross to platform, platform redistributes via a second system | Net-7 to Net-30 per recipient | Manual ledger matching across two systems | Issuing-bank schedule + payout provider |
| ACH batch payouts | Separate ACH transfer per recipient, M-F NACHA windows | T+1 to T+3 per leg, no weekends | Per-transfer status tracking, returns possible for 60 days | NACHA windows + bank discretion |
| Custodial crypto PSP (CoinsPaid, B2BinPay) | Custodian splits on an internal ledger, then processes withdrawals | Hours to days at custodian discretion | Custodian ledger + withdrawal queue | Custodian operations |
| PYMSTR (non-custodial stablecoin) | One on-chain transaction pays every recipient atomically | Same confirmed transaction, 2-15 seconds, all recipients at once | One transaction hash is the ledger | ★ Final once the network confirms |
What you get.
Single Transaction
One customer payment splits into multiple payouts. No batching, no manual redistribution, no separate transactions.
Instant Distribution
All recipients receive their share the moment the payment confirms. No waiting for batch settlement.
Up to 5 Recipients
Split a single payment across up to 5 wallet addresses by default. Need more? We can accommodate up to 1,000 recipients on request.
Gas Efficient
One transaction instead of multiple transfers saves on gas costs and simplifies accounting.