Phi Commerce’s Split & Pay High Value Payments, Split with Flexibility

Enterprise-grade solution to power seamless, flexible, and secure high-ticket transactions.

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Chosen by Industry Leaders

Real Impact. Real Results.

Split & Pay is not a prototype — it’s already powering high-value digital payments at scale. From ₹10,000 to ₹10 lakh, enterprises trust it for smooth, reliable collections.

With Split & Pay, brands have seen:

Up to 30% reduction in drop-offs for high-value checkouts.

Faster settlements with single-click reconciliation.

Improved retention thanks to seamless journeys that build long-term trust.

A leading life insurer in India boosted high-ticket premium success rates with Split & Pay — achieving 12% higher adoption in the first month and recognition for digital payment innovation.

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The Challenge with High-Value Payments

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Why Big Payments Fail Today

Enterprises across industries face the same recurring challenges:

Payment Limits

Card transaction ceilings and UPI caps block customers mid-checkout.

High Drop-Offs:

Customers abandon payments after repeated failures.

Operational Overheads:

Manual follow-ups, refunds, and re-tries burn teams’ time and resources

Every failed payment is not just a lost transaction — it’s a lost customer relationship.

Why Merchants Choose Split & Pay

Split & Pay eliminates the barriers of single-mode transactions. By allowing customers to combine multiple instruments — part card, part UPI, part wallet — in one seamless flow, enterprises can now unlock payments that previously failed. For merchants, it means:

Single Transaction Record:

Merchants see one consolidated entry, not multiple.

Automatic Reconciliation

Automatic reconciliation means zero manual tracking or operational headaches.

Enterprise-Grade Securit

PCI DSS certified, enterprise-grade rails trusted by leading institutions.

Multiple Payment Instruments:

Let customers combine cards, UPI, wallets, or net banking in a single purchase — reducing drop-offs and capturing payments that would otherwise fail.

Boosting Customer Lifetime Value

Reliable payments increase retention and repeat usage.

Supported Payment Methods

A stress-free checkout means stronger trust in your brand.

How It Works

Seamless Checkout, Simplified

Here’s how Split & Pay transforms a high-value transaction into a smooth experience:

Initiation:

Customer begins a large payment.

Split Prompt

System detects limits and offers split options.

Multiple Modes

Customer combines cards, UPI, or wallets to complete the payment.

Single Transaction Record

Merchant sees one consolidated transaction.

Settlement

Funds are reconciled and settled seamlessly, without manual intervention.

Every failed payment is not just a lost transaction — it’s a lost customer relationship.

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Designed to Power Every Industry

Split & Pay adapts to diverse enterprise use cases—where big-ticket payments are frequent and critical—making it one product with endless enterprise applications.

Ready to Eliminate Barriers in Big Payments?