Split Payment Solution for Enterprises – Phi Commerce’s Split & Pay
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.
The Challenge with High-Value Payments
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.
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.