Split Payments Made Simple: How HostedPCI Enables Multi-Card and Multi-Person Checkouts
When it comes to checkout, one size doesn’t fit all. Customers often want the flexibility to split payments, whether between two credit cards or across multiple individuals. Unfortunately, most payment systems don’t support this natively, leaving merchants with added compliance risk and technical headaches.
That’s where HostedPCI’s multi-iframe checkout technology changes the game. Our platform enables merchants to securely capture multiple payment methods in a single transaction, reduce PCI scope, and retain full control over routing, authorization, and settlement.
Why Split Payments Matter
Split payments are no longer just a “nice-to-have.” They’re becoming essential across industries:
- Travel & Hospitality: Families and friends share costs across cards.
- Education & Healthcare: Parents, guardians, or patients divide fees for flexibility.
- Luxury Retail & B2B Services: Customers use different cards for rewards, limits, or business vs. personal expenses.
- Events & Ticketing: Group purchases become seamless when each attendee contributes directly.
Without split-tender checkout, businesses risk abandoned carts, frustrated customers, and lost revenue.
How HostedPCI Split Payments Work
Our payment technology gives merchants the tools to orchestrate complex payment flows with ease:
- Multiple Iframes, Multiple Cards: Each iframe captures cardholder details and allocated amounts.
- Tokenization First: Sensitive data never touches merchant systems. HostedPCI instantly converts each card into a secure token.
- Flexible Orchestration: Merchants control how each portion is routed, which gateway processes it, and whether to authorize or capture immediately.
- Clear Reconciliation: Every payment share is tied to its authorization, making refunds, chargebacks, and accounting seamless.
Merchant Benefits
- Boost Conversion Rates: Reduce friction and increase completed checkouts by offering flexible payment options.
- Global Gateway Flexibility: Route shares through different processors, currencies, or regions to optimize costs.
- PCI Scope Reduction: HostedPCI’s iframe and tokenization keep sensitive data out of your environment.
- Future-Ready: Supports one-time, recurring, and subscription-based split transactions.
Example in Action
Imagine a $1,000 travel booking:
- Cardholder A pays $600
- Cardholder B pays $400
Each payment is captured through separate iframes, tokenized by HostedPCI, and routed through the merchant’s chosen gateways. If one leg fails, the merchant can either:
- Roll back both transactions (all-or-nothing), or
- Capture one portion and prompt the second payer to retry or add a third contributor
The entire process remains secure, PCI-compliant, and frictionless.
Who Should Consider Split Payments?
HostedPCI’s split-payment orchestration is ideal for businesses handling:
- Group purchases
- High-value transactions
- Corporate & personal expense splits
- Multi-gateway routing
The HostedPCI Advantage
With HostedPCI, merchants can deliver flexible, customer-friendly checkout experiences without losing control of their payment data or expanding PCI scope. Multi-iframe split payments empower businesses to:
✅ Expand their customer base
✅ Reduce abandoned transactions
✅ ✅ Maintain compliance with ease