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11.1.3 Split Payment Feature

Module Type: Payment Configuration
Platform: Admin Panel, Customer App, Driver App

Overview​

The Split Payment feature allows customers to divide their trip fare into multiple stages instead of paying 100% upfront. Payments can be configured to occur at on-booking, on-pickup, and on-completion stages, giving customers flexibility and reducing hesitation while ensuring businesses secure partial commitments.

1️⃣ Definition​

Split Payment (also known as the Split Engine or Partial Payment) is a payment model where the total fare is divided into pre-defined percentages and charged at different stages of the trip lifecycle.

2️⃣ How It Works​

A. On-Booking​

  • When a customer books a trip, a small percentage (e.g., 10–20%) of the fare is charged upfront to confirm the booking.

B. On-Pickup​

  • Once the driver starts the trip, an additional percentage of the fare (e.g., 30–40%) is charged.

C. On-Completion​

  • After the trip ends, the remaining balance is charged.
  • Admins can configure the percentage split as per business needs.

3️⃣ Key Benefits​

  • Reduces customer hesitation to book by avoiding 100% upfront charges.
  • Builds customer trust, especially for new users or travelers in foreign countries.
  • Ensures the business and driver get partial payment security before trip completion.
  • Increases booking conversion rates by offering flexible payment options.
  • Enhances customer satisfaction with transparent, staged payments.

4️⃣ Use Case Example​

  • Customer books a trip with an estimated fare of $100:
    • On-Booking: $20 (20%) charged to confirm trip
    • On-Pickup: $30 (30%) charged when ride starts
    • On-Completion: $50 (50%) charged after trip ends
  • The customer feels safe paying in stages, while the company secures partial payments at each step.

Final Notes​

The Split Payment feature addresses one of the biggest barriers in ride-booking—upfront payment fear. By allowing customers to pay in stages, companies gain trust, reduce booking drop-offs, and increase overall trip volume. This model is particularly useful in international markets where customers may hesitate to pay large amounts upfront due to security concerns.