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There are three types of accounts in SplitSum:
This is the main account for the business owner, responsible for managing payments and all aspects of the business on SplitSum. The Admin account controls the creation and deletion of sub-accounts (Cashier and Contractor) and is the one linked to Stripe for payment processing.
These are sub-accounts created by the Admin for front-of-house staff or anyone handling payments. Cashiers can accept payments but cannot access or change business settings. Anyone subscribed to Tier 2 and 3 can utilise Cashier accounts. Tier 1 is not allowed any. The admin will also be able to control 4 permissions for Cashiers, 1. Able to Create POS Payments - which is set to Yes as a default. 2. Able to create Payment Links - which is set to Yes as a default. 3. Able to create Tap to Pay payments - which is set to Yes as a default. 4. Able to accept refunds - which is set to No as a default. Please be mindful of who you give access to refunds as SplitSum is not responsible for any incorrect use of this functionality.
Contractor accounts are created by the Admin. Once an account is created and onboarded, contractors receive their share of payments through SplitSum, and their accounts are linked to Stripe for payouts. Both existing and new contractors must accept the SplitSum invitation and create a password to access their accounts. New contractors must also complete Stripe onboarding before they can use the platform. The admin can control 2 permissions for Contractors both of which are set to Yes by default. They are: Able to create own payment links and Able to view own payment activity. This should be self explanatory but it allows them to create payment links that will automatically split with your organisation and view any payments that have been split with them.
Visit the registration page to create an account.
On the registration page, you'll be asked to enter the following details:
After submitting the registration form, you’ll receive an email to confirm your email address. Click the link in the email to verify your account.
Once your email is confirmed, log in to SplitSum. Upon first login, you’ll be presented with a welcome screen showing 4 setup steps:
Click on the "Select Subscription Plan" button and choose one of the available options. Once selected, you’ll be prompted to add your payment details.
Enter your payment information on the form provided. Once this is completed, you will be redirected back to the welcome screen.
The final step is to connect your SplitSum account to Stripe. Clicking on the "Connect to Stripe" button will take you to a page that explains how to, enable Connect Accounts, verify your identity and obtain your Stripe keys and set up the connection. You can see more in the Stripe Settings section below.
You’ll also be prompted to add a webhook in your Stripe account for automatic data updates (optional but recommended). This step ensures payment statuses and other information are updated automatically on SplitSum. You can see more in the Stripe Settings section below.
Once you complete these steps, your Admin account will be fully set up and ready to start accepting payments.
The next step after creating an Admin account is onboarding contractors. This will allow you to begin splitting payments between your business and your independent contractors. Please note that you need to have your itentity verified in Stripe and set up Connect Accounts before you can onboard contractors. Visit 'Contractors' to see steps to do this. Here's what you would do next:
From the SplitSum dashboard, click on 'Add Contractor' in the menu.
You will need to input the following details for each contractor:
Upon creation, the contractor will receive an email prompting them to finish setting up their SplitSum account. They will click the link in the email and be directed to a page where they set their password.
The contractor will need to accept the SplitSum connection, terms, and create a password on SplitSum.
If the contractor is already onboarded with Stripe, they can immediately start using SplitSum once their password is set.
If they are new to Stripe, they will be presented with a link to the Stripe onboarding process before returning to SplitSum to use the site.
Once contractors are onboarded, you can begin splitting payments between your business and your contractors.
If your contractor has not completed account creation and they have somehow misplaced the email invitation you can resend this email following the steps below:
Once a Contractor is onboarded you can edit a couple of details at any time. Navigate to ‘Contractor Accounts’ and click the 3 dots button next to their name and click ‘edit.’ You’ll see that in here you can only edit the first name, last name and store percentage. If you change the store percentage this will take effect immediately. Only the Contractor can change their email address or phone number via their account. The Contractor does not have access to their percentage split, only the Admin has access to this.
Cashier accounts do not have access to this page.
To check or modify permissions for Contractors visit the ‘Users’ link in the navigation and scroll down to ‘User Permissions.’ Here you will be able to see what is active. To make any changes click the ‘edit’ button next to the user account you want to edit permissions for.
Use the toggles to make any changes and press ‘Save’. Changes take effect immediately.
To disable a Contractor navigate to ‘Contractor Accounts’ and click the 3 dots button next to their name and click ‘disable.’ You will see a notification at the top of the page that this has been successful. If a Contractor account is disabled they will no longer be able to log in to SplitSum and no payments can be split with them. This user's name will still appear alongside any payments that have been split with them.
If you’d like to re-enable this Contractor just visit the ‘Contractor Accounts’ page again, click the 3 dots button next to their name and click ‘enable.’ You will see a notification at the top of the page that this has been successful. Once re-enabled the user will again be able to log in and payments can again be split with them.
Cashier accounts do not have the ability to Disable or Enable a Contractor.
**It should be noted that due to Stripe API restrictions the account will only be disabled or enabled within SplitSum.
Proceed with caution when deleting a Contractor account as this will take effect in Stripe as well. Once deleted any references to this Contractor in SplitSum will be lost and replaced by ‘Deleted user.’ You may wish to consider disabling a Contractor instead of deleting.
To delete a Contractor visit the ‘Contractor Accounts’ page and click the 3 dots menu next to their name. Click ‘delete’ and you will be presented with a window that confirms you want to take this action. Please note that you are only able to delete a Contractor once their balance is at £0. If they have any pending payouts they will not be deleted. When you confirm the deletion in SplitSum you will see a message that will either confirm the deletion or notify you that it is not possible to delete the account at that time.
If your plan allows for it you can create a Cashier account under the ‘Users’ link in the navigation. Click the ‘+’ icon in the top right of the screen to add a Cashier account. If this icon doesn’t appear then you either don’t have access to any Cashier accounts or you have reached the limit.
You will need to input the following details for each contractor:
Upon creation, the cashier will receive an email prompting them to finish setting up their SplitSum account. They will click the link in the email and be directed to a page where they set their password.
The Cashier will need to accept the SplitSum account terms, and create a password on SplitSum. At this point the Cashier can login and start accepting payments based on the permissions set for Cashier accounts in your Admin account. For more information on accepting payments check out the section below.
To check or modify permissions for Cashiers click the ‘Users’ link in the navigation and scroll down to ‘User Permissions.’ Here you will be able to see what is active. To make any changes click the ‘edit’ button next to the user account type that you want to edit permissions for.
Use the toggles to make any changes and press ‘Save’. Changes take effect immediately.
Able to refund payments is set to ‘no’ by default. Please take caution when giving this ability to a Cashier as SplitSum is not liable for any incorrect use. You may wish to keep this off and let only the Admin refund payments.
Once created you can only edit a Cashier’s First and Last name. They would need to log in to their own account to change their email address.
To delete a Cashier navigate to the ‘Users’ page and click ‘delete’ next to their name. You will be presented with a window asking you to confirm that you’d like to take this action. Once confirmed you’ll see a notification that the account has been deleted successfully.
Inventory is a feature available to Tier 3 subscribers in SplitSum. It gives you the ability to add items with a custom split so that you can split a payment with a contractor based on the item/service and not who they are. This gives you flexiblity to have multiple splits with the same person.
To add an Inventory item click the menu option for Add Item and you'll be taken to a form to add your item. You put in a price, description (this will appear on any reciepts), and select the Contractor Account. This field defaults to 'no split' which means your business will recieve all the money. If you want to split the item with a contractor select their name from the list and afterwards a Store free percentage field will appear. You can enter the percentage your business takes from each sale of this item in the field. Next you have the option to track inventory if you want. To track inventory just tick the box and a field will appear that asks how many of these items you have in stock. Lastly you can upload an image of the item if you'd like. This can help you identify it quicker on the list page and when creating payments for these items. Once done press 'Save item' and that's it. You can how accept payments for this item.
Once your items are created you'll see them on in a list on the 'Inventory' page. From this page you can edit items. Disable items from appearing in payment forms and then delete an item. Once an item is deleted you'd have to recreate the item again if you want it back.
Inventory items will now appear as a tab within each payment screen. So on POS Payments, Payment Links and Tap to Pay Payments you'll see a tab that says 'to Contractor' and then one that says 'Inventory.' If you tap 'Inventory' you will see a search field from where you can find your item and add it to the payment. See each different payment method below for more details and videos.
There are currently 3 ways of accepting payments in SplitSum, one is by using Stripe hosted Payment links and the other is by sending the payment to a device like a card reader and the third is Tap to Pay which turns your phone into a reader. There may be other options in the future.
Payment links are Stripe hosted, you create the data for the link in SplitSum and Stripe generates a unique link. The design of the payment page can be set up in your Stripe account and any additional data you want from your client needs to be set in Stripe, for example Email Address.
To create a Payment link in SplitSum navigate to ‘Add Payment Link’ page. Here you will need to enter:
Click ‘Create’ and you will be redirected to the ‘Payment Activity’ page with a confirmation message regarding creation of the link and the url of the link.
While a Payment Link is pending the menu options available are:
If you disable a link the menu options will be to enable the link again or delete fully.
Once paid the status will update (as long as you have set up the Webhook) and the menu options will be:
To accept POS Payments you will need to have a device added to your account. For more information on that visit the Devices section of the Documentation.
There are 3 Steps to completing a POS Payment. Navigate to the ‘Create POS Payment’ page on SplitSum to start.
Step 1 is to discover any connected device. We need to know where the payment is being sent before we put in any information. Step 2 is a list of all connected devices and you will need to click the ‘connect’ button on the device you want to send the payment to. Finally, Step 3 is to add the payment details:
If you are having issues going between Step 2 and 3 you may need to restart your card reader for a fresh connection as sometimes the connection can drop. We recommend turning off and turnning on your device daily and checking the connection throughout the day to prevent restarts while a client is waiting.
If you are using a Stripe card reader and tipping is enabled, when you click ‘Send to Device’ the user will be presented with an option of 15%, 20% or 25% of the purchase price, custom amount or an option to skip the tip. They then will either have to tap or insert their card. If tipping is not enabled then they will go straight to the payment screen.
Once the payment has completed you will see a payment complete page with summary of charges and link to the receipt. If there is an error accepting the payment you will see the error and may need to start over from Step 1 to obtain the payment. Always ensure the payment has been completed successfully before letting your customer leave.
Tap to Pay payments use a mobile app to turn your compatible device into a card reader. If required a customer may be able to enter their Pin code, however there is no card slot for insertion. This means you could potentially run into issues charging more than £100.
To get started with Tap to Pay you'll need to download the app. Currently the app is only available for Android devices via Google Play (click here to download). iOs app will be coming early 2025.
Once downloaded log into your account. The only accounts that can utilise the mobile app right now are accounts that have permission to accept Tap to Pay payments. This would be Admin accounts and some Cashier accounts - Contractor accounts cannot currently log in to the mobile app.
When logged in you'll be presented with a screen that shows a 'tap to pay' button and a 'log out' button. This is because there aren't any other features built into the app at this time. The full features will be available later on.
To accept a Tap to Pay payments click the button. You'll be presented with a screen to choose a location. This is because all Card Readers need to be assoicated with a location in Stripe. If you don't see any listed here you'll need to visite the website to add a location. See Locations in the docs below.
You will only need to select the location once, then the app will remember and it will skip this step next time.
You will now see the payment page, here you can enter the payment details:
Click 'Take Payment' and the standard Tap to Pay screen will appear. You can now present the device to the customer and they can tap their card or Apple Pay/Google Pay.
Once the payment has been processed you'll come to a payment complete page which shows the ammount accepted, date/time of the transaction and a Description. When finished click the 'Done' button at the bottom of the page.
If you want to access the reciept or send the reciept you will need to visit the website.
This page lists all your Stripe transactions from the time you sign up to SplitSum, which may include transactions not processed via SplitSum. All payments are listed from newest to oldest and there will be 20 transactions per page. Using the filters at the top of the page you can filter this data for easier viewing. There are 3 different filters and you can select one option of each filter. The filters are:
When a filter is active you’ll see a grey box appear which shows the filter active with an ‘x’ next to it to remove the filter. There will also be a ‘reset all’ button in case you have multiple filters on and quickly want to remove all.
All transactions show the description, amount, date paid (if not pending), status and split (either no split or contractor’s name). Each transaction has different menu options depending on the status of the payment:
Currently it is only possible to refund the entire charge amount (including any tip). You will want to make sure that all Contractors Connect accounts have ‘Debit Negative Balance’ on in Stripe. It should be on by default but it’s a good idea to make sure. To check visit your dashboard, click ‘Connect Accounts’ and then click through to each account. It will be near the top of the page.
It is CRUCIAL that if you have split a payment in SplitSum that you only refund it in SplitSum. This is because if you were to just go to your Stripe dashboard and click to refund, your business would be liable for the entire amount of the refund. This obviously isn’t ideal if you have split the payment with a Contractor. So to refund in SplitSum, visit the ‘Payment Activity’ page and click the 3 dots button to open the menu of the transaction you would like to refund and click ‘refund.’
You will see a window pop up that asks you if you are sure you want to refund the entire amount as once you refund you cannot undo the action. Upon confirmation the payment will be marked as refunded and the receipt will reflect this. Payments in Stripe that are refunded generally take a couple of days to return to the customer’s bank account.
To enable Connect Accounts in Stripe, visit the 'Connect Accounts' page in your Stripe Dashboard. Click the 'Enable Connect Accounts' button to enable the feature. There are a few set up steps to ensure this is set up properly for SplitSum. The steps are below and a step by step video is available below.
To verify your identity in Stripe, visit the 'Identity' page in your Stripe Dashboard. Click the 'Verify Identity' button to verify your identity. You will then be prompted to add your Stripe keys. You can see more in the Stripe Settings section below.
You will need to verify your identity in order to accept payments. This is a legal requirement and is necessary to ensure that you are a legitimate business owner. You will need to provide your business name, address, phone number and email address. You will also need to provide a copy of your business bank account statement. You can see more in the Stripe Settings section below.
To add your Stripe keys in SplitSum, visit the 'Stripe Settings' page in SplitSum. Click the 'Add Keys' button to add your Stripe keys. You will then be prompted to add your Stripe keys. You can see more in the Stripe Settings section below.
Your Restricted and Publishable Keys are required in order for SplitSum to function, which is why it is part of the sign up steps. You only need to add them once! They can be added via the 'Stripe Settings' page in SplitSum and then by clicking 'Add Keys.'
Your Publishable Key is easiest to add. In your Stripe Dashboard navigate to 'Developers' and then click 'API Keys' or you can click here to open it directly. On this page you'll see 'Publishable key' up at the top under 'Standard Keys', if you hover over the key itself you can click it to copy it. Then paste it in the Publishable key field on the Add Keys page in SplitSum.
Your Restricted Key requires a little more customisation. To generate a Restricted key, on the same API Keys page do the following:Once you have pasted both keys into the Add Keys page click 'Submit' and you'll see a confirmation message that the keys have been stored. You will not need to edit this again.
If you don't want to allow for blanket permissions for SplitSum you can add the individual permissions. Please note that if you do this and we add new features that require a permission that isn't on this list at the time of publishing the new feature will not work properly until the permission is granted. The current specific permissions that are required for SplitSum are: 'Apple Pay Domains', 'Balance', 'Balance transaction sources', 'Balance Transfers', 'Charges', 'Confirmation token', 'Confirmation token (client)', 'Customers', 'Customer session', 'Events', 'PaymentIntents', 'PaymentMethods', 'Payouts', 'Products', 'SetupIntents', 'Sources', 'Tokens', 'Checkout Sessions', 'Invoices', 'Prices', 'All Connect resources', 'All Identity', 'Webhook Endpoints', 'Payment Links', 'All Terminal resources'
Webhooks are used to notify SplitSum when certain events occur in your Stripe account. This allows SplitSum to update your account information and keep your account in sync. We add these to your account for you but within SplitSum settings you can test that they're working properly.
Locations in Stripe are necessary in order to accept payments as each device will need to be associated with a physical location. If you already have locations within your Stripe account you may import them, visit the ‘Devices & Locations’ page on SplitSum and click the ‘Import’ button under Locations. You may need to refresh once the import has completed.
If you do not have any locations already you can create one here. Click the ‘+’ icon to add a location. Enter the address details for your location and an identifying name and save. You can now add devices to your account.
Tap to Pay works differently than other Stripe Card Readers in that you don't need to add them as a device, you just need to download the mobile app, log in and click 'Tap to Pay' to register your phone as a Card Reader. See the Tap to Pay payments section above for more details.
All subscription tiers can add a Stripe card reader to SplitSum which gives you greater flexibility with accepting payments. Clients can insert their card and input their pin (if necessary) and, importantly for a lot of businesses and Contractors, customers can input an optional tip.
You will need to select which Stripe card reader you want and purchase from Stripe directly. See 'Readers' on this page for more info. When you have your device make sure you look at the instructions on how to find the Registration code.
To add your Stripe card reader to SplitSum visit ‘Devices & Locations’ and click the ‘+’ icon on the top right to add a device. You will need to fill out the following fields:
Click ‘Create’ and you will be sent back to the ‘Devices & Locations’ page with a success or error message.
Tipping is only available with Stripe card readers. Tipping is not possible on Tap to Pay.
When enabled, any Stripe card reader connected to your account will ask the customer for a tip first. This is set to default percentages of 15%, 20% and 25% of the amount being charged. The entirety of the tip will go to the Contractor if the payment is split, if there's no split the tip goes to your organisation. If you are processing a payment with multiple splits to Contractors the tip will be divided equally among them.
To turn tipping on visit the ‘Devices & Locations’ page and click the toggle to turn on or off. You will see a notification that your setting has been saved.
To change your password visit ‘My Account’ via the menu. At the top of this page you’ll see your account details. Click ‘Edit’ next to Account Settings and you’ll see a form. From here enter the new password you want in the password and password confirm fields. Passwords need to be at least 8 characters and match. If you get an error it will be one of those reasons.
To change your Email Address visit ‘My Account’ via the menu. At the top of this page you’ll see your account details. Click ‘Edit’ next to Account Settings and you’ll see a form. Enter your new email address and save. You should get an email to confirm your email address. Check your inbox and click the confirmation button within the email. You should then see a message that your email has successfully been confirmed.
To upload or change your profile photo visit ‘My Account’ via the menu. At the top of this page you’ll see your account details. Click ‘Edit’ next to Account Settings and you’ll see a form with photo upload at the bottom. Click ‘Change’ and then select the photo you’d like to use. Photos must not exceed 2048px. You should see a preview of the photo cropped. If you are not satisfied, select another image. Once happy click ‘Save Changes’ and your new profile image will be set.
Your business information is not required to operate SplitSum. This section will populate your invoices. You are free to add the information you want and withhold the information you don’t wish to share. If you want to add it visit ‘My Account’ and then scroll to ‘Business Information’ and click ‘edit.’ Add information and press ‘Save Changes.’
Oh no! We’re sad you want to go. Before you do please contact us and let us know the reasons why info@splitsum.co. To delete your account navigate to ‘My Account’ and scroll to the bottom. Click ‘Cancel Account’ and a window will pop up prompting you to confirm this choice. Click ‘Confirm’ and your account will go into cancellation.
The cancellation process is not immediate, your account will be usable until the end of your billing cycle. At this point you and any Cashiers or Contractors associated with your account will close and no longer be usable. At that point you will be able to reach out to us to obtain your data for 10 days. After which it will be removed from our system. To obtain your data email us at info@splitsum.co.
All new subscribers are able to sign up and use SplitSum for 14 days for free. You still need to add your card details when signing up but you will not be charged until the 14 day period is over. During this time you are able to cancel your account and incur no charges to your card.
On the 15th day your account will be charged the monthly subscription fee for the chosen plan and that 15th day will be your monthly payment date each month going forward that you retain your account.
Should you require a PDF invoice for your records you can find them in the ‘Payments & Billing’ section on the site. Scroll down and you can see each invoice per month. Click ‘view’ to open in a new window from there you can print or save.
When Upgrading the change happens instantly and you are prorated and charged for what you currently are using and then you are set to a new billing cycle which will prorate for days missed.
When you are downgrading the changes take effect at the next billing cycle.
To change your subscription plan visit 'Payments & Billing' from the menu. Next to your current Subscription Tier click the button 'Change' and you'll be presented with the 3 options noting which Tier you are on.
Choose the plan you want by clicking 'Select this plan' and you will be presented with a payment screen, you'll need to enter your card details again. Once done your plan will be adjusted as indicated above.
If you would like to change your payment method login and go to ‘Payments & Billing’ find the ‘Payment method’ line and click ‘Disconnect.’ Confirm in the pop up window. Once disconnected you will see a button to ‘Add Payment method’, click that and you can enter in your new card details and save. If you do this within a billing cycle you won't be charged until the billing cycle is set to renew. If you are doing this after a failed payment the payment will be taken right away.
If your payment fails at the start of a new billing cycle your account will go into a paused state. You will receive an email notifying you of this payment failure and request to update your payment method. In this paused state no Cashier or Contractor accounts will be usable and your admin account will only be usable to add a new payment method. To do this read the section above on how to do this. Once the payment has been made your accounts will all be reinstated.
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