Stop Holding Other People's Money. Automate Payment Splits. Build Trust.
Fintiq splits every transaction in real-time—so everyone sees their earnings instantly and platforms never touch the funds.
No more "I'll pay you next week." Each transaction splits automatically. Everyone sees their balance instantly. Everyone gets paid on time. Zero manual work.
Built by the team behind payment infrastructure serving millions in transactions
Who it's for
Built for Platforms That Share Payments with Multiple Recipients
Fintiq provides easy-to-use tools for platforms and marketplaces to automate compliant and transparent payment distribution to your recipients, such as:
- Vendors and sellers — Businesses or individuals selling products or services through your platform
- Service providers and contractors — Professionals, freelancers, or specialists performing work for end customers
- Employees and teams — Staff members receiving distributed compensation, tips, or commissions
- Partners and affiliates — Revenue-sharing collaborators, referral sources, or commission earners
Whether you're a food delivery platform, salon booking system, tip distribution service, commission split marketplace, or any platform that needs to split revenue to 2 recipients or 10,000+—across a single category or multiple types separately or simultaneously—Fintiq automates the entire payment workflow while keeping you compliant.
Features
Powerful Features for Payment Distribution
Platform Benefits
Why Platforms Choose Fintiq for Payment Distribution
Replace manual spreadsheets and compliance headaches with automated fund distribution that scales with your platform.
How Fintiq Automates Payment Splits in Real-Time
From API call to ACH transfer in 1-2 business days—with zero manual work for your platform
Step 1
Create accounts via API
Call our API to provision merchant and recipient accounts instantly. They self-onboard via invitation link with all required information.
Step 2
Get dedicated account numbers
Fintiq issues unique account and routing numbers for each merchant to give their processor. Works with Stripe, Square, or any provider.
Step 3
Define splits per transaction
Your platform specifies how to split each transaction using fixed amounts or percentages. Fintiq updates all balances in real-time.
Step 4
Receive automatic ACH payouts
Recipients get ACH transfers to their verified bank account on their chosen schedule—daily or monthly—while you stay out of the flow.
Step 5
Manage payouts via dashboard
Recipients use the self-service dashboard to link bank accounts, choose payout schedules, and view their complete balance history.
How to avoid money transmitter licensing
Avoid Money Transmitter Licensing with FBO Accounts
Platforms that hold or transfer funds typically need money transmitter licenses—a complex, expensive process requiring state-by-state applications and ongoing compliance obligations.
Fintiq's FBO (For Benefit Of) architecture keeps your platform out of the money flow entirely:
- Your platform never touches funds – Money flows directly through our regulated banking partner, so you avoid becoming a money transmitter
- No licensing required – You provide allocation instructions as software, not financial services
- Full compliance handled – We manage KYC/AML verification, sanctions screening, and audit-ready transaction trails
We handle the banking infrastructure and regulatory compliance so you can focus on building your product.
Why Platforms Choose Fintiq for Payment Splits
Avoid building banking infrastructure. Skip money transmitter licensing. Launch in weeks with a simple API.
Works with any payment processor
We provide account numbers where your processor deposits funds. Compatible with Stripe, Square, and all major payment providers.
Launch in 2-4 weeks
Simple API integration gets you live fast, without building banking infrastructure or waiting for licensing approvals.
Compliance burden handled
We partner with regulated financial institutions so you avoid licensing requirements and stay out of money transmitter obligations.
Real-time visibility and control
Recipients see earnings instantly and verify their own bank accounts for direct payouts on their schedule.
Invite recipients via API and they receive a secure onboarding link to self-verify their bank account—no manual setup or support tickets required.
Merchant Onboarding
No Merchant Technical Integration Required
Your platform invites merchants via API. They onboard through a secure link, receive dedicated account numbers, and connect their payment processor—no technical setup needed.
Your platform creates merchants with one API call. Fintiq handles the complete onboarding flow through a self-service portal.
- Self-service KYB onboarding – Merchants receive a secure link to complete their business profile and pass KYB verification automatically without platform involvement
- Dedicated account and routing numbers – Each merchant location receives unique Fintiq account numbers to give their payment processor for fund deposits
- Link payout bank account – Merchants connect their own bank account where they'll receive their allocated portion after automatic fund distribution
- Real-time dashboard visibility – Merchants see all transaction allocations, incoming funds, and payout history in their dedicated portal without manual calculations
Your platform controls fund allocation via API—merchants receive their portion automatically via ACH to their linked bank account.
Platform Use Cases
See How Fintiq Solves Payment Splits for Your Industry
Real solutions for platforms that share revenue across multiple parties
Restaurants and tip pooling
Community and cultural events
Ski resorts and adventure parks
Investment platforms
Country clubs
Boat and yacht rentals
Rental marketplaces
Hotels and resorts
Online course and webinar platforms
Equipment leasing and rental systems
Restaurant and café franchises
Cleaning and facility services
Film and production revenue sharing
Payment facilitators
Sponsorship campaign platforms
Real estate brokerages
Crowdfunding platforms
Charity and donation platforms
Restaurants and tip pooling
Community and cultural events
Ski resorts and adventure parks
Investment platforms
Country clubs
Boat and yacht rentals
Rental marketplaces
Hotels and resorts
Online course and webinar platforms
Equipment leasing and rental systems
Restaurant and café franchises
Cleaning and facility services
Film and production revenue sharing
Payment facilitators
Sponsorship campaign platforms
Real estate brokerages
Crowdfunding platforms
Charity and donation platforms
Car wash networks
Spas and salons
EV charging networks
Marketing agencies
Youth and amateur sports organizations
Sports academies and training centers
Sports influencer and sponsorship payouts
Affiliate and referral networks
Fitness studio franchises
Auto repair and detailing franchises
Golf courses
Retail franchises
Event management and host marketplaces
E-sports tournaments
Telehealth marketplaces
Concert and festival promoters
Event catering
Recruiting and staffing firms
Car wash networks
Spas and salons
EV charging networks
Marketing agencies
Youth and amateur sports organizations
Sports academies and training centers
Sports influencer and sponsorship payouts
Affiliate and referral networks
Fitness studio franchises
Auto repair and detailing franchises
Golf courses
Retail franchises
Event management and host marketplaces
E-sports tournaments
Telehealth marketplaces
Concert and festival promoters
Event catering
Recruiting and staffing firms
Facility management companies
Ticketing marketplaces
Music streaming and royalties
General franchise management
Waste management contracts
Maintenance and field service platforms
Bootcamps and academies
Legal service marketplaces
Theatre and cultural event organizers
Fleet and taxi cooperatives
Tutoring and mentorship networks
Multi-channel content agencies
Public transit operators
Online learning marketplaces
Scholarship and fellowship programs
Service marketplaces
Creator and influencer platforms
Professional sports leagues
Facility management companies
Ticketing marketplaces
Music streaming and royalties
General franchise management
Waste management contracts
Maintenance and field service platforms
Bootcamps and academies
Legal service marketplaces
Theatre and cultural event organizers
Fleet and taxi cooperatives
Tutoring and mentorship networks
Multi-channel content agencies
Public transit operators
Online learning marketplaces
Scholarship and fellowship programs
Service marketplaces
Creator and influencer platforms
Professional sports leagues
Construction management software
Conference and workshop organizers
Podcast networks
Parking management companies
Municipal funding systems
Valet management companies
Therapy and counseling networks
Parking under city contracts
Gig marketplaces
Fitness and wellness platforms
E-commerce marketplaces
Food delivery platforms
Home renovation marketplaces
Ridesharing and mobility platforms
Art and gallery sales
Insurance and financial advisors
Grant management platforms
Construction management software
Conference and workshop organizers
Podcast networks
Parking management companies
Municipal funding systems
Valet management companies
Therapy and counseling networks
Parking under city contracts
Gig marketplaces
Fitness and wellness platforms
E-commerce marketplaces
Food delivery platforms
Home renovation marketplaces
Ridesharing and mobility platforms
Art and gallery sales
Insurance and financial advisors
Grant management platforms
Don't see your industry? If your platform shares revenue across multiple parties, Fintiq can help. Contact us
Why Teams Choose Fintiq
Stop losing time and money on manual payment reconciliation. See what changes when you automate with Fintiq.
Payment Processing Time
Without Fintiq
7-14 days manual reconciliation
With Fintiq
Next-day ACH with real-time visibility
Money Transmitter Licensing
Without Fintiq
$100K+ per state licensing required
With Fintiq
Zero licensing—FBO architecture keeps you compliant
Implementation Timeline
Without Fintiq
24 months + $400K-800K to build in-house
With Fintiq
2-4 weeks API integration, fixed pricing
Payment Transparency
Without Fintiq
Manual spreadsheets, frequent disputes
With Fintiq
Real-time dashboards with itemized breakdowns
KYC/KYB & AML Compliance
Without Fintiq
Build verification systems, hire compliance team
With Fintiq
Automated KYC/KYB, AML monitoring, audit trails
Frequently Asked Questions
Everything you need to know about integrating automated payment distribution with Fintiq.
Most platforms integrate Fintiq in 2-4 weeks. The process involves: (1) Setting up API authentication in sandbox environment, (2) Creating merchant and recipient records via API, (3) Testing transaction allocation logic, (4) Configuring webhook endpoints for real-time updates, and (5) Moving to production. This is significantly faster than the 18-24 months required to build in-house payment infrastructure.
Merchants are business entities that can operate under multiple locations. Each merchant receives a unique Fintiq bank account number where payment processors deposit funds for distribution. Merchants also have wallets that receive transaction remainders after your platform's allocation instructions are processed. Recipients are anyone who receives allocated funds—individual earners (stylists, drivers, service providers), partners, or even your platform. For example, in a salon transaction: the salon is the merchant (receives unique account number for deposits and remainder after allocations), while stylists are recipients (receive their allocated portions). Your platform configures payout schedules for all parties.
Your platform configures payout schedules (daily, weekly, or monthly) for recipients. After your platform sends transaction allocation instructions via API, Fintiq updates wallet balances instantly (virtual accounting). When the payout schedule triggers, Fintiq processes ACH transfers directly to each recipient's verified bank account. Funds typically arrive in 1-2 business days via standard ACH. Recipients must complete profile verification, pass KYC/AML checks, and link a verified bank account before payouts process.
Yes. Your platform sends allocation instructions via API specifying who gets what from each transaction. You can use fixed dollar amounts ($20 to stylist), percentages (15% to owner), or combinations. Multiple recipients can receive allocations from a single transaction—for example, delivery fee + tip to driver, platform commission to your wallet, and food revenue to restaurant. Fintiq automatically calculates the merchant's remainder after all allocations. The system supports multi-level commission structures, tip pooling, revenue sharing, and franchise royalty splits.
Yes. Fintiq is payment-processor agnostic and works downstream from your existing processor (Stripe, Square, PayPal, etc.). You continue processing payments as usual. Fintiq provides merchants with dedicated account/routing numbers. Merchants instruct their payment processor to settle funds into their Fintiq account. Your platform then tells Fintiq how to allocate those funds via API. This separation means you can keep your current payment setup while adding automated disbursement capabilities.
Fintiq handles payment infrastructure compliance: KYC/AML verification for all recipients (identity verification, sanctions screening, PEP checks), KYB verification for merchants, money transmitter licensing, AML transaction monitoring, and banking partner relationships. Complete transaction history exports with compliance-ready audit trails are available for your regulatory needs. Tax reporting obligations (1099 forms, business tax filings) and industry-specific regulations remain your platform's responsibility.
Start Building with Fintiq
Launch automated payment splits in 2-4 weeks with our API. Skip money transmitter licensing. Avoid building banking infrastructure. Your platform stays out of the money flow.
Join platforms automating millions in payment distributions with Fintiq