Paystack
Paystack Splits and Subaccounts API

Build marketplaces by automatically splitting a single payment between the main account and multiple subaccounts. Configure percentage or flat splits, set fee-bearers, and manage subaccount business profiles for vendor payouts.
Paystack Splits and Subaccounts API is one of 13 APIs that Paystack publishes on the APIs.io network, described by a machine-readable OpenAPI specification.
This API exposes 1 machine-runnable capability that can be deployed as REST, MCP, or Agent Skill surfaces via Naftiko and 3 JSON Schema definitions.
Tagged areas include Marketplaces, Splits, and Subaccounts. The published artifact set on APIs.io includes API documentation, an OpenAPI specification, sample payloads, 1 Naftiko capability spec, and 3 JSON Schemas.
Documentation GitHub OpenAPI
OpenAPI Specification

openapi: 3.0.1
info:
  title: Paystack Splits and Subaccounts API
  description: Build marketplaces by automatically splitting payments between multiple parties (the integration and one or
    more subaccounts) using transaction split groups and subaccount profiles.
  version: 1.0.0
  contact:
    name: Paystack Support
    url: https://support.paystack.com
    email: [email protected]
  license:
    name: Apache 2.0
    url: https://www.apache.org/licenses/LICENSE-2.0.html
servers:
- url: https://api.paystack.co
  description: Base API endpoint
tags:
- name: Split
- name: Subaccount
paths:
  /split:
    post:
      tags:
      - Split
      summary: Create Split
      operationId: split_create
      requestBody:
        content:
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/paths/~1split/post/requestBody/content/application~1json/schema'
          application/json:
            schema:
              type: object
              required:
              - name
              - type
              - subaccounts
              - currency
              properties:
                name:
                  description: Name of the transaction split
                  type: string
                type:
                  description: The type of transaction split you want to create.
                  type: string
                  enum:
                  - percentage
                  - flat
                subaccounts:
                  description: A list of object containing subaccount code and number of shares
                  type: array
                  items:
                    $ref: '#/paths/~1split~1%7Bid%7D~1subaccount~1add/post/requestBody/content/application~1json/schema'
                currency:
                  description: The transaction currency
                  type: string
                  enum:
                  - NGN
                  - GHS
                  - ZAR
                  - USD
                bearer_type:
                  description: This allows you specify how the transaction charge should be processed
                  type: string
                  enum:
                  - subaccount
                  - account
                  - all-proportional
                  - all
                bearer_subaccount:
                  description: This is the subaccount code of the customer or partner that would bear the transaction charge
                    if you specified subaccount as the bearer type
                  type: string
      responses:
        '201':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
    get:
      tags:
      - Split
      summary: List Splits
      operationId: split_list
      parameters:
      - name: name
        in: query
        schema:
          type: string
      - name: active
        in: query
        schema:
          type: string
      - name: sort_by
        in: query
        schema:
          type: string
      - name: from
        in: query
        schema:
          type: string
      - name: to
        in: query
        schema:
          type: string
      - name: perPage
        in: query
        schema:
          type: string
      - name: page
        in: query
        schema:
          type: string
      responses:
        '200':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        '404':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
  /split/{id}:
    get:
      tags:
      - Split
      summary: Fetch Split
      operationId: split_fetch
      responses:
        '200':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        '404':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
    put:
      tags:
      - Split
      summary: Update Split
      operationId: split_update
      requestBody:
        content:
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/paths/~1split~1%7Bid%7D/put/requestBody/content/application~1json/schema'
          application/json:
            schema:
              type: object
              properties:
                name:
                  description: Name of the transaction split
                  type: string
                active:
                  description: Toggle status of split. When true, the split is active, else it's inactive
                  type: boolean
                bearer_type:
                  description: This allows you specify how the transaction charge should be processed
                  type: string
                  enum:
                  - subaccount
                  - account
                  - all-proportional
                  - all
                bearer_subaccount:
                  description: This is the subaccount code of the customer or partner that would bear the transaction charge
                    if you specified subaccount as the bearer type
                  type: string
      responses:
        '200':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        '404':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
    parameters:
    - name: id
      in: path
      required: true
      schema:
        type: string
  /split/{id}/subaccount/add:
    post:
      tags:
      - Split
      summary: Add Subaccount to Split
      operationId: split_addSubaccount
      requestBody:
        content:
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/paths/~1split~1%7Bid%7D~1subaccount~1add/post/requestBody/content/application~1json/schema'
          application/json:
            schema:
              type: object
              properties:
                subaccount:
                  description: Subaccount code of the customer or partner
                  type: string
                share:
                  description: The percentage or flat quota of the customer or partner
                  type: string
      parameters:
      - name: id
        in: path
        required: true
        schema:
          type: string
        example: application/json
      responses:
        '201':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
  /split/{id}/subaccount/remove:
    post:
      tags:
      - Split
      summary: Remove Subaccount From Split
      operationId: split_removeSubaccount
      requestBody:
        content:
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/paths/~1split~1%7Bid%7D~1subaccount~1add/post/requestBody/content/application~1json/schema'
          application/json:
            schema:
              $ref: '#/paths/~1split~1%7Bid%7D~1subaccount~1add/post/requestBody/content/application~1json/schema'
      parameters:
      - name: id
        in: path
        required: true
        schema:
          type: string
        example: application/json
      responses:
        '201':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
  /subaccount:
    post:
      tags:
      - Subaccount
      summary: Create Subaccount
      operationId: subaccount_create
      requestBody:
        content:
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/paths/~1subaccount/post/requestBody/content/application~1json/schema'
          application/json:
            schema:
              type: object
              required:
              - business_name
              - settlement_bank
              - account_number
              - percentage_charge
              properties:
                business_name:
                  description: Name of business for subaccount
                  type: string
                settlement_bank:
                  description: Bank code for the bank. You can get the list of Bank Codes by calling the List Banks endpoint.
                  type: string
                account_number:
                  description: Bank account number
                  type: string
                percentage_charge:
                  description: Customer's phone number
                  type: number
                  format: float
                description:
                  description: A description for this subaccount
                  type: string
                primary_contact_email:
                  description: A contact email for the subaccount
                  type: string
                primary_contact_name:
                  description: The name of the contact person for this subaccount
                  type: string
                primary_contact_phone:
                  description: A phone number to call for this subaccount
                  type: string
                metadata:
                  description: Stringified JSON object of custom data
                  type: string
      responses:
        '201':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
    get:
      tags:
      - Subaccount
      summary: List Subaccounts
      operationId: subaccount_list
      parameters:
      - in: query
        name: perPage
        schema:
          type: integer
        description: Number of records to fetch per page
      - in: query
        name: page
        schema:
          type: integer
        description: The section to retrieve
      - in: query
        name: from
        schema:
          type: string
          format: date-time
        description: The start date
      - in: query
        name: to
        schema:
          type: string
          format: date-time
        description: The end date
      responses:
        '200':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        '404':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
  /subaccount/{code}:
    get:
      tags:
      - Subaccount
      summary: Fetch Subaccount
      operationId: subaccount_fetch
      responses:
        '200':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        '404':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
    put:
      tags:
      - Subaccount
      summary: Update Subaccount
      operationId: subaccount_update
      requestBody:
        content:
          application/x-www-form-urlencoded:
            schema:
              $ref: '#/paths/~1subaccount~1%7Bcode%7D/put/requestBody/content/application~1json/schema'
          application/json:
            schema:
              type: object
              properties:
                business_name:
                  description: Name of business for subaccount
                  type: string
                settlement_bank:
                  description: Bank code for the bank. You can get the list of Bank Codes by calling the List Banks endpoint.
                  type: string
                account_number:
                  description: Bank account number
                  type: string
                active:
                  description: Activate or deactivate a subaccount
                  type: boolean
                percentage_charge:
                  description: Customer's phone number
                  type: number
                  format: float
                description:
                  description: A description for this subaccount
                  type: string
                primary_contact_email:
                  description: A contact email for the subaccount
                  type: string
                primary_contact_name:
                  description: The name of the contact person for this subaccount
                  type: string
                primary_contact_phone:
                  description: A phone number to call for this subaccount
                  type: string
                metadata:
                  description: Stringified JSON object of custom data
                  type: string
      responses:
        '200':
          $ref: '#/paths/~1plan/get/responses/200'
        '401':
          $ref: '#/paths/~1plan/get/responses/401'
        '404':
          $ref: '#/paths/~1plan/get/responses/401'
        default:
          description: Server error
    parameters:
    - name: code
      in: path
      required: true
      schema:
        type: string
components:
  securitySchemes:
    bearerAuth:
      type: http
      scheme: bearer
  schemas:
    Customer:
      allOf:
      - type: object
        required:
        - email
        properties:
          email:
            description: Customer's email address
            type: string
      - type: object
        properties:
          first_name:
            description: Customer's first name
            type: string
          last_name:
            description: Customer's last name
            type: string
          phone:
            description: Customer's phone number
            type: string
          metadata:
            description: Stringified JSON object of custom data
            type: string
      - type: object
        required:
        - authorization_code
        properties:
          authorization_code:
            description: Customer's authorization code to be deactivated
            type: string
      - type: object
        required:
        - customer
        properties:
          customer:
            description: Customer's code, or email address
            type: string
          risk_action:
            description: "One of the possible risk actions [ default, allow, deny ]. allow to whitelist. \ndeny to blacklist.\
              \ Customers start with a default risk action.\n"
            type: string
            enum:
            - default
            - allow
            - deny
      - type: object
        required:
        - type
        - country
        - bvn
        - bank_code
        - account_number
        properties:
          type:
            description: Predefined types of identification.
            type: string
            enum:
            - bvn
            - bank_account
          country:
            description: Two-letter country code of identification issuer
            type: string
          bvn:
            description: Customer's Bank Verification Number
            type: string
          bank_code:
            description: You can get the list of bank codes by calling the List Banks endpoint (https://api.paystack.co/bank).
            type: string
          account_number:
            description: Customer's bank account number.
            type: string
          value:
            description: Customer's identification number. Required if type is bvn
            type: string
    Error:
      type: object
      properties:
        status:
          type: boolean
        message:
          type: string
    Response:
      type: object
      properties:
        status:
          type: boolean
        message:
          type: string
        data:
          type: object
security:
- bearerAuth: []
Paystack Splits and Subaccounts API

Documentation

Specifications

Examples

Schemas & Data

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OpenAPI Specification
