SplitHawk is the settlement orchestration layer that turns split settlement into a fully managed distribution engine. Tips, donations, franchise royalties, vendor commissions, loan repayments — configured by the acquirer, automated by the platform.
Acquirers with split settlement capability have a unique advantage. Every transaction that generates a tip, a donation, a royalty, or a commission is a fund flow you already touch. SplitHawk makes it easy to own it end to end — one integration, full control, no need to share your merchant base with anyone. Your proposition to merchants gets stronger. The value sits entirely with you.
From card tap to final recipient — tips to workers, royalties to franchisors, donations to charities — every fund flow stays inside your ecosystem. Your merchants, your data, your commercial relationship. Nothing leaks out.
Merchants choosing an acquirer increasingly need more than card processing. Automated tip distribution, franchise reconciliation, donation programmes — these become part of your offer. The deeper the integration, the stronger the retention.
Every split generates revenue. Every fund flow that stays in your ecosystem is margin you keep. And when you connect the workforce — through a card, through a marketplace, through financial tools — the spend loops back through your own merchants.
The merchant enables tips, donations, or other split types through their acquirer — exactly as they would today. The difference is what happens to the settlement.
The merchant enables tips, donations, or other split types through their existing acquirer POS configuration. Nothing new for the merchant — a familiar step.
SplitHawk is the default destination for split settlement. The merchant creates a SplitHawk account, receives credentials, and adds them to their acquirer settings. The connection is established.
The acquirer settles the agreed split to SplitHawk. Transaction data and settlement instructions flow automatically — SplitHawk knows which bucket each split belongs to based on the acquirer's configuration.
SplitHawk's distribution engine applies the configured rules and routes funds to the right recipients — charities, franchisors, vendors, workers, lenders. The merchant manages preferences in SplitHawk. Distribution is automatic.
The acquirer configures splits and buckets with their merchant. SplitHawk receives the settlement, allocates to the right bucket, and handles distribution. Some buckets are simple — select a charity, done. Others are more complex — tip distribution requires workforce data and policy management. SplitHawk handles both.
Full workforce platform. Rota integration, automated distribution, policy compliance, workforce app, and a virtual card that powers spend back into the acquirer's merchants.
Learn more → DONATIONSIntegrated giving at the point of payment. Merchants choose a charity, SplitHawk routes the funds and handles compliance.
Learn more → FRANCHISEVerified revenue share against actual transaction data. Near real-time reconciliation and visibility across the franchise network.
Learn more → VENDORAutomated commission splits to platform vendors, delivery partners, and marketplace participants with full data transparency.
Learn more → LOANScheduled or automatic deductions from settlement. Merchant-initiated or acquirer-scheduled for merchant cash advance.
Learn more → CUSTOMAny fund flow expressible as a split rule. Savings, insurance, tax reserves, pension contributions.
Learn more →Configurable formulas for automated fund distribution. Percentage-based, fixed, tiered, time-weighted, or conditional rules. Complex multi-party splits resolved automatically.
White-label portal where merchants manage their distribution preferences, recipients, and payout schedules. Branded by the acquirer. Self-serve or managed.
Full audit trail of every split and payout. Downloadable for accounting, payroll, and tax purposes. Compliant with local legislation including tip distribution laws.
Tip distribution policies, tax treatment rules, and workforce management policies configured at merchant level. Pushed to team members for acknowledgement. Ensures local compliance.
Detailed disbursement records downloadable in standard formats for integration with accounting software and payroll systems.
RESTful API for programmatic configuration. Webhooks for real-time events — split received, distribution completed, recipient updated.
SplitHawk is built and ready to connect to your split settlement capability. One integration covers every bucket type.
hello@splithawk.comThe most valuable bucket. Tips are the entry point to a workforce relationship, a virtual card programme, and a marketplace that loops spend back through the acquirer's own merchants.
The acquirer processes a card payment that includes a tip. The tip is split at settlement and arrives in SplitHawk. SplitHawk distributes to the worker via the workforce app and a virtual card. The worker spends on the virtual card — at hospitality venues, restaurants, bars — the acquirer's own merchant base. That spend is processed by the acquirer. The loop is closed. Revenue earned in hospitality is spent in hospitality, settled through the acquirer at every point.
SplitHawk includes a simple, purpose-built rota tool — designed for the majority of businesses that don't need overengineered workforce management software. For merchants with existing rota systems, SplitHawk integrates with major providers. Hours are pulled against the team and the distribution engine applies the merchant's formula automatically.
Simple shift scheduling that captures who worked when. Not a full HR platform — a practical tool so tips can be distributed accurately against hours.
Connects to existing rota and workforce management software. Hours data pulled automatically — no manual entry for the merchant.
Equal split, weighted by hours, weighted by role, custom formulas. The merchant sets the rules once. The engine applies them to every shift.
Once hours are confirmed and the formula applied, funds are disbursed to the workforce automatically. No spreadsheets, no manual calculation.
Tip distribution legislation varies by jurisdiction and is increasingly regulated. SplitHawk manages policies at the merchant level — ensuring local employment law and tax requirements are met. Policies are pushed to team members for acknowledgement. Full disbursement records are downloadable for accounting and payroll purposes. SplitHawk is built to be compliant from the ground up.
Every team member receives access to a companion app — white-labelled under the acquirer's brand. Real-time earnings visibility as tips arrive, payout history, and financial tools. This is a daily-use touchpoint with the workforce — the foundation for the virtual card and the marketplace.
Workers see tips accumulate as transactions are processed. Instant visibility — not end-of-shift, not end-of-week.
Full transaction-level history of every tip received and disbursed. Exportable for personal tax reporting.
Budgeting, savings pots, earnings forecasting. Designed for shift workers and service industry staff.
The app carries the acquirer's brand. The acquirer owns the relationship with the workforce.
Tips distributed through SplitHawk land on a virtual card held by the worker inside the workforce app. This is the mechanism that powers the closed loop. The card is the worker's spending tool — and the acquirer controls where and how it's spent.
Tips arrive on the virtual card as they're distributed. No waiting for bank transfers or pay runs. The worker can spend immediately.
The card sits inside the acquirer's white-labelled workforce app. The worker associates the card with the acquirer's brand — not a third party.
The acquirer can incentivise spend toward their own merchant base and marketplace partners — through targeted offers, cashback, and discounts that make spending within the network more rewarding.
Every spend on the virtual card is a transaction the acquirer processes. Interchange, scheme fees, merchant revenue — the acquirer monetises both the tip distribution and the onward spend.
The acquirer's existing hospitality merchant base becomes the marketplace. Tips earned at one venue are spent at another — both transactions processed by the acquirer. Participating merchants can push offers, discounts, and incentives to workforce app users, driving footfall from the exact demographic that already works in and spends in their industry.
Tips originate in hospitality. The workforce spends in hospitality. The acquirer's hospitality merchants are the natural marketplace — no category is more relevant to this audience.
Tips earned at one acquirer merchant are spent at another. Every transaction in the loop flows through the acquirer's rails. Incremental volume from an audience the acquirer already reaches.
Participating merchants push real-time offers to workforce app users. Location-based, time-based, or category-based. The acquirer controls the offer engine.
Hospitality is the starting category. The model extends to retail, leisure, and any vertical where the acquirer has merchant density and a workforce audience.
Consumers increasingly choose brands that stand for something. Merchants want to show their customers they care. Acquirers who enable this at the point of payment make their proposition more meaningful — and harder to leave.
Customers are more likely to return to businesses that share their values. A donation prompt at checkout — whether in-store or online — transforms every transaction into an opportunity for the merchant to connect with their customers on something bigger than the purchase. For the acquirer, this is a differentiator that deepens merchant loyalty and makes the payment terminal a vehicle for something customers genuinely care about.
The acquirer enables donations at the POS. The merchant selects their cause through SplitHawk — from a directory of registered charities, or by adding their own. SplitHawk receives the donation split and routes funds directly to the chosen charity. If a merchant supports multiple causes, SplitHawk manages the allocation. Contracts, compliance, and payouts are all handled. The merchant focuses on their customers. SplitHawk handles the rest.
A merchant running a giving programme through your terminal is a merchant with a reason to stay. The donation flow is tied to the acquirer's infrastructure — switching means losing the programme.
Offer merchants something competitors don't. Integrated giving at the point of payment positions the acquirer as more than a card processor — it positions them as a partner in the merchant's values.
Donations are enabled through existing acquirer settings. No new hardware, no separate integration. SplitHawk handles charity onboarding, compliance, and payouts.
Aggregated donation data across the merchant base — which causes resonate, which locations give most, seasonal trends. Insight the acquirer can use to drive further engagement.
Every transaction becomes an opportunity for the customer to give back. The merchant's brand is associated with the cause — building loyalty that goes beyond price and product.
Select from a directory of registered charities or add your own. Support one cause or many. Change causes seasonally or in response to events. The merchant controls the narrative.
No contracts to negotiate with charities. No reconciliation. No compliance burden. SplitHawk handles charity verification, Gift Aid documentation, and automated payouts.
Merchants see exactly how much they've raised, for which causes, over what period. Shareable impact reports for marketing, social media, and in-venue signage.
Automated revenue share verified against actual transaction data. Near real-time reconciliation and visibility across the entire franchise network.
SplitHawk receives the full transaction data — total sales are visible and verifiable. The franchise royalty percentage is applied against actual revenue, not self-reported figures. Splits are calculated and routed to the franchisor automatically. Both parties see the same data in near real-time. Manual invoicing, reconciliation disputes, and late payments are eliminated.
Franchise businesses are high-value enterprise merchants. Winning them requires more than card processing — it requires solving real operational problems. Automated royalty reconciliation verified against actual transaction data is a significant point of difference when competing for these accounts. It makes the acquirer's proposition materially stronger for any merchant with a franchise, revenue share, or multi-site model.
Royalties calculated against actual transaction data. No self-reporting, no disputes. Both franchisor and franchisee see the same figures.
Franchisors see revenue across their network as it happens. Performance benchmarking, location comparisons, and trend analysis from settlement data.
A single franchisor receives splits from multiple franchise locations. Each location can have different royalty rates if required.
No invoices to raise, no payments to chase, no spreadsheets to reconcile. The split is automatic, verified, and settled.
Automated commission splits to platform vendors, delivery partners, and marketplace participants. Full data transparency at transaction level.
For merchants operating with delivery partners, marketplace vendors, or service providers on a commission basis, SplitHawk routes their share directly from settlement. Configurable per-vendor rates, verified against transaction data. Partners receive their share automatically — no manual invoicing, no reconciliation lag.
Platform and marketplace merchants are growing rapidly. Their payment needs are complex — multi-party splits, variable commission rates, real-time vendor payouts. An acquirer that can solve this natively, through settlement orchestration, has a compelling advantage when competing for these merchants. The same logic as franchise: solve the operational problem, win the enterprise account.
Different commission rates for different vendors or partners. Configurable at merchant level.
Commission splits calculated and disbursed on schedule. Daily, weekly, or custom cycles per vendor.
Vendors see exactly which transactions generated their commission. Full transparency, no disputes.
A single merchant routes commissions to multiple vendors simultaneously — each with independent rates and schedules.
Scheduled or automatic repayment deductions from settlement. Merchant-initiated or acquirer-scheduled for merchant cash advance products.
A fixed or percentage-based deduction is taken from each settlement and routed to the lending partner. The merchant can schedule repayments themselves. For acquirer-provided merchant cash advance products, the acquirer can schedule repayments automatically as a condition of the facility. No manual collections, no missed payments.
The merchant configures their own repayment rate and schedule. Adjustable as revenue fluctuates.
For MCA or acquirer-provided lending, repayments configured by the acquirer. Automatic deduction from settlement.
Fixed-amount deductions per settlement, or percentage-based that flex with volume. Both options per merchant.
Repayments routed to the designated lender. Full audit trail for merchant, acquirer, and lender.
Any fund flow that can be expressed as a split rule. The distribution engine is configurable.
A percentage of each settlement routed to a designated savings account. Merchant-managed reserve for planned expenditure.
Automated deductions routed to insurance providers. Business cover funded from transaction revenue.
HMRC or local tax deductions held in escrow or routed to a designated account. Helps merchants manage VAT and corporation tax.
Employer pension contributions deducted from settlement. Automated compliance with workplace pension obligations.