How to Transfer Payments
WooCommerce and FluentCart support global and product-level transfers; WooCommerce also supports variation-specific overrides.
Overview
When a customer completes a purchase on your storefront — whether on WooCommerce or FluentCart — Split Pay automatically creates a Stripe Transfer to move a portion of the payment to one or more connected Stripe accounts. You decide how much to transfer and at what level to configure it.
Both platforms support global and product-level rules. WooCommerce adds a third, variation-specific level:
| Level | Scope | Availability |
|---|---|---|
| Global Transfers | Applies to all products in your store | WooCommerce and FluentCart; Free & Pro |
| Product-level Transfers | Overrides the global setting for a specific product | WooCommerce and FluentCart; PRO |
| Variable Product Transfers | Overrides both global and product-level for a specific variation | WooCommerce only; PRO |
The override hierarchy
Transfer settings normally follow a cascading override hierarchy. The most specific setting wins:
- Global Transfers act as the default baseline. If no product-level or variation-level setting exists, the global configuration is used.
- Product-level Transfers override the global setting for that specific product. All other products still use the global setting.
- Variable Product Transfers override both the global and product-level settings for that specific variation. Other variations of the same product can still use the product-level or global setting.
This means you can set a single global transfer and be done, or fine-tune on a per-product and even per-variation basis. The optional WooCommerce sequential global mode is the exception: fixed product transfers run first, then global rows use the merchandise amount left.
Example: Your store has a 15% global transfer. Product A has no product-level setting, so it uses 15%. Product B is set to 25% at the product level. Product B's "Deluxe" variation is set to a flat $10. When a customer buys all three, each transfer amount is calculated independently using the most specific rule.
Transfer types
At every level, you can choose between two transfer types:
- Percentage — Transfer a percentage of the product's price (e.g., 20% of a $50 item = $10 transfer).
- Fixed Amount PRO — Transfer an exact amount in the order currency. A global fixed row applies once per eligible order; a product- or variation-level fixed amount applies per unit.
For product and variation rules, quantity multiplies the fixed amount (3 units × $5 = $15). WooCommerce caps that result at the order line’s eligible amount. FluentCart does not apply a per-line cap or preflight the complete plan against the source charge; if several legs over-allocate that charge, Stripe can reject a later leg after earlier legs have succeeded. See Global Transfers for the distinct order-level global behavior.
Supported payment methods
Compatibility depends on the store integration and gateway. Split Pay processes a paid order only when its supported WooCommerce or FluentCart path can resolve a successful charge on the configured Stripe platform account. The gateway and Stripe account decide which cards, wallets, bank methods, or regional methods are available.
A non-Stripe payment has no Stripe charge for Split Pay to transfer from. Deferred methods are processed only after the store integration reports a successful charge. See Supported Payment Methods for the exact platform and charge requirements.
Getting started
Choose the transfer level that fits your needs:
Global Transfers — Set a default transfer for all products › Product-level Transfers — Override the global setting per product › Variable Product Transfers — Override settings per variation ›