Creating Split Campaigns (Fiserv Only)

Overview

Split campaigns let you automatically deduct a flat base amount, a percentage, or both from every transaction processed by the sub-merchants in your portfolio. For example, setting a 10% percentage charge means you receive 10% of every charge your sub-merchants process — with no manual intervention required. This differs from instructional funding, which is another split method that, although more complicated than split campaigns, offers more freedom and transaction-level splits. This guide walks through planning your split structure, creating the campaign, and assigning it to the right merchants.

Split campaigns are configured at the partner account level. By defining them during partner account creation, the configuration is automatically applied to all newly onboarded merchants.

If you already have an active partner account with merchants processing payments, you can specify the merchant account ID to apply the split campaign to that particular merchant.

Prerequisites

Before you begin, make sure you have:

A valid Bearer token from Partner Hub
The account IDs of any active merchants if you want to enroll existing merchants in the campaign.

Step 1: Plan Your Split Structure

Before creating a campaign, decide how you want to collect revenue from your sub-merchants. You have two options: a flat base charge applied to every transaction, and a percentage of every transaction's value. You can use either one on its own or combine both. For example, you might retain a flat $0.10 per transaction plus 5% of the transaction value — or simply take 20% with no base charge.

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Tip: You don't need to assign merchants when creating the campaign. You can create the campaign first and add merchants later, or set it as the default so that every newly onboarded sub-merchant is automatically enrolled. Any edits to the split campaign can done via the following API call. If you already have active merchants that you want to include in the split campaign, specify the account IDs of the merchants you want to enroll.

Step 2: Create and Activate the Split Campaign

As the ISV partner, you can create the campaign by giving it a name, setting your base charge amount, and setting your percentage charge. You can also add an optional description and internal notes to keep campaigns organized. Your sub-merchants, which are the processing merchants, will have their account ID placed in the accounts field.

To create a campaign, see the API Reference here.

What you get back: A campaign record that is ready to be assigned to merchants. If you mark it as the default at creation time, it will automatically apply to any new sub-merchants going forward.

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Tip: A campaign with no merchant accounts assigned is perfectly valid — it simply sits inactive until you add merchants or set it as the default.

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Tip: If you create split campaigns and assign a lot of merchants that have been boarded, this process will run in the background. This process can take some time, around several minutes. Track the status of the split campaign by using the API call and looking for the active status.

What's Next

Now that your split campaign is live, you can: