One card payment. Your cut and your contractors' split automatically. No spreadsheets, no chasing. Here’s how SplitSum works and how to pick the right setup for your business.
Learn more
As the business owner, you stay in full control with your Admin account. You can create contractor accounts, set and adjust commission splits, oversee cashier access, and track activity — all in one place. Once settings are in place, only you can update them, giving you clarity, confidence, and complete control.
No more chasing contractors for payments or spending hours on admin. SplitSum handles the splits automatically, so everyone gets paid correctly and on time.
See a split in actionFrom the customer's perspective, it's just a normal card payment. Behind the scenes, SplitSum does all the work.
Scenario: Sarah (hairdresser) completes a $200 service. Your split is 70/30.
Customer taps card for $200
SplitSum automatically calculates:
Sarah: $140 | Business: $60
Both accounts receive their share instantly
No waiting, no manual transfers. Money lands in the right accounts immediately.
Set the split once, SplitSum calculates it perfectly every time. No math errors.
You don't lift a finger. Every payment splits correctly without any manual work.
SplitSum supports different payment setups depending on how you work with contractors. But here's the good news: you don't need to figure this out right now.
Business pays fees, maximum flexibility, any hardware.
Great for salons, studios with shared tills
Contractor pays fees, clearer income separation.
Popular with high contractor splitsOur quick questionnaire will recommend the best setup for your business. It takes less than 2 minutes.
Find Your SetupWant all the technical details? See detailed comparison below
Not every payment needs to be split. With SplitSum, you have full flexibility & effortless control of payments your business receives. Don't need to split with a contractor? Easily process payments with No Split so that 100% of funds go directly to your business account.
Start now!
The Inventory feature (available to Tier 3 subscribers) lets you set custom payment splits for specific products or services, independent of the default split on a contractor. This gives you the flexibility to handle any arrangement — from shared items to solo sales — while everything is calculated automatically. You can even track stock if needed, so running your business stays simple and accurate. Tier 3 also includes Xero accounting sync for Stripe payouts.
Start now!
Set a maximum amount a contractor pays your business within a chosen period, daily, weekly, or monthly. Once the cap is reached, they keep the rest for the remainder of that period. This tracks in-person card payments only, so it won't apply to payments taken through a link, including those generated by Appointments.
Start now!
Every hour you're not manually booking customers or chasing down deposit payments is time back in your day, and every no-show that doesn't cost you a wasted slot is revenue you'd have otherwise lost. Appointments is built around both.
With Appointments, customers book themselves in, confirmation and reminder emails go out automatically, your calendar stays in sync, and every card is saved on file, so if someone doesn't show, you can charge a no-show fee. Every payment tied to a booking, deposit and balance alike, stays grouped together and still splits the same way as any other payment. More bookings, less admin. Available as an add-on for all plans except Links Only.
Start now!
SplitSum supports a wide range of card readers, from Bluetooth to WiFi to Tap to Pay. You don't need a card reader at all to get started. You can utilise Tap to Pay on your mobile device, accept payments through a unique payment link, or record a cash payment directly when that's how your customer wants to pay. Click below to learn more about the different card readers and their compatibility with SplitSum.
Learn moreFor those who want to understand all the technical details before starting the questionnaire.
Business takes the payment
Business pay the card fees
Use any reader (including Tap to Pay)
Supports splitting payment links
Multiple contractors per payment
Salons, studios with shared tills
Businesses that want to cover card fees
Transactions with multiple contractors
Payments belong to the contractor
Contractor pays card fees
Supports Bluetooth & WiFi readers.
Limited use of Tap to Pay.
Supports splitting payment links
One contractor per payment
Businesses that already use multiple card readers
for each contractor. Allows you to have one card
reader and receive your cut instantly.
Businesses where Contractors accept payments directly.
| Standard Payments | Direct Payments | |
|---|---|---|
| Who pays the card fees? | The Business | The Contractor |
| How many contractors per payment? | Multiple | Only one |
| Card Reader Support | Supports all readers | Supports Bluetooth & WiFi readers. Limited use of Tap to Pay. |
| Subscription Tier Compatibility | All tiers | Tiers 2 and 3 |
From a customer's point of view, all setups look the same. They tap, pay, or use a payment link as normal. The difference is how the payment is recorded behind the scenes, and which setup fits how your business operates.
Step in to the 21st century and use a card payment system that works for you, not against you.
Find your setup!
Copyright © 2026 SS Pay Ltd T/A SplitSum
