---
title: "How to Transfer Payments"
description: "Configure global and product-level Split Pay transfers for WooCommerce and FluentCart; WooCommerce also supports variation-specific overrides."
url: "https://docs.splitpayplugin.com/features/how-to-transfer-payments/"
---
## Overview

When a customer completes a purchase on your storefront — whether on WooCommerce or FluentCart — Split Pay automatically creates a **Stripe Transfer** to move a portion of the payment to one or more connected Stripe accounts. You decide *how much* to transfer and *at what level* to configure it.

Both platforms support global and product-level rules. WooCommerce adds a third, variation-specific level:

| Level | Scope | Availability |
| --- | --- | --- |
| **Global Transfers** | Applies to **all products** in your store | WooCommerce and FluentCart; Free & Pro |
| **Product-level Transfers** | Overrides the global setting for a **specific product** | WooCommerce and FluentCart; PRO |
| **Variable Product Transfers** | Overrides both global and product-level for a **specific variation** | WooCommerce only; PRO |

<a id="override-hierarchy"></a>

## The override hierarchy

Transfer settings normally follow a **cascading override hierarchy**. The most specific setting wins:

Global Transfer → Product-level Transfer → Variable Product Transfer

*   **Global Transfers** act as the default baseline. If no product-level or variation-level setting exists, the global configuration is used.
*   **Product-level Transfers** override the global setting for that specific product. All other products still use the global setting.
*   **Variable Product Transfers** override *both* the global and product-level settings for that specific variation. Other variations of the same product can still use the product-level or global setting.

This means you can set a single global transfer and be done, or fine-tune on a per-product and even per-variation basis. The optional WooCommerce [sequential global mode](global-transfers/#sequential-global-splits) is the exception: fixed product transfers run first, then global rows use the merchandise amount left.

**Example:** Your store has a 15% global transfer. Product A has no product-level setting, so it uses 15%. Product B is set to 25% at the product level. Product B's "Deluxe" variation is set to a flat $10. When a customer buys all three, each transfer amount is calculated independently using the most specific rule.

## Transfer types

At every level, you can choose between two transfer types:

*   **Percentage** — Transfer a percentage of the product's price (e.g., 20% of a $50 item = $10 transfer).
*   **Fixed Amount** PRO — Transfer an exact amount in the order currency. A global fixed row applies once per eligible order; a product- or variation-level fixed amount applies per unit.

For product and variation rules, quantity multiplies the fixed amount (3 units × $5 = $15). WooCommerce caps that result at the order line’s eligible amount. FluentCart does not apply a per-line cap or preflight the complete plan against the source charge; if several legs over-allocate that charge, Stripe can reject a later leg after earlier legs have succeeded. See [Global Transfers](global-transfers/#fixed-amount-behavior) for the distinct order-level global behavior.

## Supported payment methods

**Compatibility depends on the store integration and gateway.** Split Pay processes a paid order only when its supported WooCommerce or FluentCart path can resolve a successful charge on the configured Stripe platform account. The gateway and Stripe account decide which cards, wallets, bank methods, or regional methods are available.

A non-Stripe payment has no Stripe charge for Split Pay to transfer from. Deferred methods are processed only after the store integration reports a successful charge. See [Supported Payment Methods](../supported-payment-methods/) for the exact platform and charge requirements.

## Getting started

Choose the transfer level that fits your needs:

[Global Transfers — Set a default transfer for all products ›](../../features/how-to-transfer-payments/global-transfers/) [Product-level Transfers — Override the global setting per product ›](../../features/how-to-transfer-payments/product-level-transfers/) [Variable Product Transfers — Override settings per variation ›](../../features/how-to-transfer-payments/variable-product-transfers/)