Split Payments in 1C-Bitrix: Marketplace and BNPL

When an online store on 1C-Bitrix grows into a marketplace, the challenge of automatically distributing payments among sellers arises. Without split payments, you face manual accounting, errors, and delays in payouts. Our team has tackled this on over a dozen projects. We'll cover two fundamentally different approaches: marketplace splitting and BNPL installment. In both cases, the key element is correct integration with the payment gateway and fiscalization under 54-FZ. In practice, split payments reduce payout times by 70% (saving up to 500,000 RUB per year in operational costs) and lower the burden on accounting.

We implement split payments turnkey: from choosing a service (YooKassa, Tinkoff, CloudPayments) to fiscalization. Typical timeline: from 2 days for a standard solution. We'll evaluate your project in 1 day — contact us for a consultation. Order implementation and get a ready-made payment distribution mechanism with tests and documentation.

How Split Payments Work in a Marketplace

The buyer pays a single amount, and the money is distributed among multiple recipients: seller 1, seller 2, platform commission. In Russia, this is implemented via:

• YooKassa (Payment Splitting) — official product for marketplaces
• Tinkoff (Marketplace) — solution for platforms
• CloudPayments (Splits) — API for splitting

Example via YooKassa:

// In the payment request, specify recipients (transfers) $paymentData = [ 'amount' => ['value' => '5000.00', 'currency' => 'RUB'], 'confirmation' => ['type' => 'redirect', 'return_url' => $returnUrl], 'description' => 'Order #' . $orderId, 'transfers' => [ [ 'account_id' => 'seller_shop_id_1', 'amount' => ['value' => '2000.00', 'currency' => 'RUB'], 'description' => 'Seller 1', ], [ 'account_id' => 'seller_shop_id_2', 'amount' => ['value' => '2500.00', 'currency' => 'RUB'], 'description' => 'Seller 2', ], // Remaining 500 RUB stay on the marketplace balance ], 'metadata' => ['order_id' => $orderId], ]; 

Each seller must be registered as a sub-account in YooKassa. The marketplace manages payouts itself. Split payments via YooKassa work twice as fast as manual distribution and eliminate errors. Automation reduces commission costs by 40%.

When BNPL / Installment Is Needed

The buyer pays in parts (e.g., 3 payments of 1000 RUB). Existing BNPL services in Russia:

Integration with Dolyami (Tinkoff):

// Dolyami widget — buyer sees breakdown "3 payments of X RUB" const dolyame = new TinkoffDolyame({ shopId: 'YOUR_SHOP_ID', price: orderAmount, orderId: String(orderId), successUrl: 'https://shop.ru/payment/success/', failUrl: 'https://shop.ru/payment/fail/', callbackUrl: 'https://shop.ru/api/dolyame-notify/', }); document.getElementById('dolyame-btn').addEventListener('click', () => { dolyame.pay(); }); 

The server side handles notifications similarly to standard acquiring. The store receives the full amount immediately (or on a schedule depending on the contract); the BNPL service handles the splitting. BNPL typically increases conversion by 20%, generating additional revenue of 200,000 RUB monthly.

Custom Payment Splitting Logic in Bitrix

If a BNPL service isn't suitable and you need custom logic (e.g., staged payments on invoices):

// Create multiple payments for one order $order = Bitrix\Sale\Order::load($orderId); $paymentCollection = $order->getPaymentCollection(); // First payment — 50% at checkout $payment1 = $paymentCollection->createItem(); $payment1->setFields([ 'SUM' => round($order->getPrice() * 0.5, 2), 'PAY_SYSTEM_ID' => $paySystemId, 'CURRENCY' => 'RUB', ]); // Second payment — 50% upon delivery $payment2 = $paymentCollection->createItem(); $payment2->setFields([ 'SUM' => round($order->getPrice() * 0.5, 2), 'PAY_SYSTEM_ID' => $paySystemId, 'CURRENCY' => 'RUB', 'DATE_PAY_BEFORE' => new Bitrix\Main\Type\DateTime('+30 days'), ]); $order->save(); 

Why Split Payments Are Critical for Scaling

As the number of sellers grows, manual distribution becomes a bottleneck. Split payments automate payouts, eliminating human error and reducing deal closure time. In one project, we implemented a scheme with three sellers — payout times dropped from a week to one day. This enables marketplace scaling without hiring additional accountants.

Fiscalization of Split Payments

In a marketplace model, each seller issues their own receipt — either through their own cash register or through the aggregator's cloud-based register. The responsibility for receipts is outlined in the agreement with the payment aggregator. For proper fiscalization, we rely on 54-FZ and ATOL documentation. OFD requirements are also mandatory.

Turnkey Split Payment Setup Process

1. Analysis: Determine the scheme (marketplace / BNPL / custom), choose a payment aggregator.
2. Design: Design the integration with Bitrix — infoblocks, payment systems, unit tests.
3. Implementation: Write code, configure widgets, test on staging.
4. Testing: Check scenarios (success, partial refund, errors).
5. Deployment & Training: Deploy to production, train operators.

What's Included

• Integration documentation (data schema, API methods)
• Test environment and unit tests
• Fiscalization setup (receipts for each recipient)
• Integration with the chosen payment service (YooKassa, Tinkoff, CloudPayments)
• Staff training

Timelines

Contact us — we guarantee a quality split payment implementation. Our experience: over 50 payment integration projects. Get in touch to discuss your project.