It would be great if Bachs supported native split payments between verified merchants and collaborators.
The idea is simple:
One customer, one checkout, one primary merchant, multiple verified beneficiaries.
For example, if two creators collaborate on a product and agree on a 60/40 split, the customer pays $100 once, and Bachs automatically credits $60 to the primary merchant and $40 to the collaborator.
The primary merchant would still remain responsible for the customer transaction, refunds, disputes, and chargebacks. The collaborator would simply receive their agreed share of the revenue.
It would also be useful if merchants could add collaborators using their Bachs email, merchant ID, username, or an invitation link. The collaborator could then accept the request before they can be included in split transactions.
Ideally, Split Pay could support:
- Percentage splits and fixed amount splits
- Multiple collaborators on one transaction
- API support for creating split checkouts
- Webhooks that return the final amount allocated to each recipient
- Item-level splits for carts containing products with different collaborators
- Reusable split agreements
A collaborator earnings view showing pending, available, paid out, refunded, reversed, or held earnings
Invitations for collaborators who do not have a Bachs account yet
Pending allocations while a collaborator completes KYC
For external collaborators, Bachs could send them a secure onboarding link so they provide their own identity and payout information directly to Bachs. Their share could remain pending until they are verified.
This would also be especially useful through the API. A platform could send something conceptually like:
{
"amount": "100.00",
"currency": "USD",
"splits": [
{
"recipient": "merchant_B",
"percentage": 25
},
{
"recipient": "merchant_C",
"percentage": 15
}
]
}
The remaining 60% could automatically belong to the primary merchant.
For shopping carts, different products could also have different splits while the customer still sees just one checkout. Bachs would calculate the final allocation internally.
This could be useful for creators, agencies, freelancers, photographers, course instructors, event organizers, marketplaces, and SaaS platforms where multiple independent people need to share revenue from the same sale.
I think this would work well as a separate feature from Bachs Connect:
Bachs Connect = account connectivity
Bachs Split Pay = transaction-level revenue allocation
The simplest way I’d describe it is:
One customer pays once, the primary merchant remains responsible for the sale, and Bachs automatically distributes the agreed shares to verified collaborators.
