Advanced Features - Level Up Your Payments!

Welcome to Advanced Features! This is where ZendFi gets really powerful. From splitting payments among multiple recipients to subscriptions and escrow - we've got enterprise-grade features ready for you. Let's explore! ✨

Payment Splits (Available Now!)
Subscriptions
Installment Plans
Escrow Payments
Invoices

Payment Splits (Available Now!)

Payment Splits let you automatically distribute a single payment among multiple recipients - perfect for marketplaces, affiliate programs, revenue sharing, and multi-vendor platforms!

How It Works

Customer makes a single payment
ZendFi receives the full amount
After confirmation, funds are automatically split
Each recipient gets their share sent to their wallet
All splits tracked with unique transaction signatures

Perfect For:

Marketplaces: Split between seller, platform fee, and payment processor
Affiliates: Share revenue with referral partners
Creators: Split royalties with collaborators
Agencies: Distribute payments among team members
Platforms: Revenue sharing (e.g., Spotify-style splits)

Endpoint

POST /api/v1/payments

Authentication

Authorization: Bearer YOUR_API_KEY

Request Parameters

Basic Payment Fields

Parameter	Type	Required	Description
`amount`	number	Yes	Total payment amount in USD
`currency`	string	Yes	Currency code (USD only)
`token`	string	No	Token to receive (USDC, SOL, USDT)
`description`	string	No	Payment description
`metadata`	object	No	Custom data (max 16KB JSON)

Split Fields

Parameter	Type	Required	Description
`split_recipients`	array	No	Array of split recipient objects
`split_recipients[].recipient_wallet`	string	Yes	Solana wallet address (base58)
`split_recipients[].recipient_name`	string	No	Recipient name for reference
`split_recipients[].percentage`	number	Yes*	Percentage of payment (0-100)
`split_recipients[].fixed_amount_usd`	number	Yes*	Fixed USD amount
`split_recipients[].split_order`	number	No	Order of execution (default: 0)

*Note: Use either percentage OR fixed_amount_usd, not both.

Response Fields

Field	Type	Description
`id`	UUID	Payment ID
`amount`	number	Payment amount in USD
`currency`	string	Currency code
`status`	string	Payment status
`qr_code`	string	Solana Pay URI
`payment_url`	string	Payment URL
`expires_at`	datetime	Expiration timestamp (15 minutes)
`split_ids`	array	Array of split IDs (if splits configured)

Payment Split Examples

Example 1: Marketplace with Platform Fee (Percentage)

Perfect for platforms like Etsy, Gumroad, or any marketplace!

Request:

curl -X POST https://api.zendfi.tech/api/v1/payments \
  -H "Authorization: Bearer zfi_test_abc123..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 100.00,
    "currency": "USD",
    "token": "USDC",
    "description": "Handmade Pottery - Order #12345",
    "metadata": {
      "order_id": "12345",
      "product": "Ceramic Vase",
      "seller": "ArtisanPottery"
    },
    "split_recipients": [
      {
        "recipient_wallet": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
        "recipient_name": "Seller - ArtisanPottery",
        "percentage": 85.0,
        "split_order": 1
      },
      {
        "recipient_wallet": "8yKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsV",
        "recipient_name": "Platform Fee",
        "percentage": 10.0,
        "split_order": 2
      },
      {
        "recipient_wallet": "9zKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsW",
        "recipient_name": "Payment Processor",
        "percentage": 5.0,
        "split_order": 3
      }
    ]
  }'

Response:

{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "amount": 100.00,
  "currency": "USD",
  "status": "Pending",
  "qr_code": "solana:ABC123...?amount=100&spl-token=USDC",
  "payment_url": "https://zendfi.tech/pay/550e8400-e29b-41d4-a716-446655440000",
  "expires_at": "2025-10-27T10:45:00Z",
  "split_ids": [
    "660e8400-e29b-41d4-a716-446655440001",
    "770e8400-e29b-41d4-a716-446655440002",
    "880e8400-e29b-41d4-a716-446655440003"
  ]
}

What Happens:

Customer pays $100 USDC
After confirmation:
- Seller gets $85 (85%)
- Platform gets $10 (10%)
- Payment processor gets $5 (5%)
All splits executed automatically
Each recipient gets a separate transaction

Example 2: Affiliate Program (Fixed + Percentage)

Great for referral programs and affiliate marketing!

Request:

curl -X POST https://api.zendfi.tech/api/v1/payments \
  -H "Authorization: Bearer zfi_test_abc123..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 299.99,
    "currency": "USD",
    "token": "USDC",
    "description": "Premium Course - Web3 Development",
    "metadata": {
      "course_id": "web3-101",
      "affiliate_code": "JOHN2024"
    },
    "split_recipients": [
      {
        "recipient_wallet": "AxKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsX",
        "recipient_name": "Course Creator",
        "percentage": 70.0,
        "split_order": 1
      },
      {
        "recipient_wallet": "BxKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsY",
        "recipient_name": "Affiliate - John",
        "fixed_amount_usd": 50.00,
        "split_order": 2
      },
      {
        "recipient_wallet": "CxKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsZ",
        "recipient_name": "Platform",
        "percentage": 13.33,
        "split_order": 3
      }
    ]
  }'

Response:

{
  "id": "990e8400-e29b-41d4-a716-446655440004",
  "amount": 299.99,
  "currency": "USD",
  "status": "Pending",
  "qr_code": "solana:DEF456...?amount=299.99&spl-token=USDC",
  "payment_url": "https://zendfi.tech/pay/990e8400-e29b-41d4-a716-446655440004",
  "expires_at": "2025-10-27T11:00:00Z",
  "split_ids": [
    "aa0e8400-e29b-41d4-a716-446655440005",
    "bb0e8400-e29b-41d4-a716-446655440006",
    "cc0e8400-e29b-41d4-a716-446655440007"
  ]
}

What Happens:

Customer pays $299.99 USDC
After confirmation:
- Course Creator gets $209.99 (70%)
- Affiliate gets $50.00 (fixed amount)
- Platform gets $40.00 (13.33%)
All splits executed in order
Fixed amounts processed first, then percentages

Subscriptions

Recurring payments made simple! Perfect for SaaS products, memberships, and subscription-based services.

Coming Features

Flexible Billing Cycles: Daily, weekly, monthly, yearly, or custom intervals
Trial Periods: Free trials with automatic conversion to paid
Prorated Billing: Automatic proration for plan upgrades/downgrades
Usage-Based: Metered billing for pay-as-you-go models
Smart Retry Logic: Automatic payment retry with exponential backoff
Dunning Management: Automated notifications for failed payments

Use Cases

SaaS Platforms: Monthly/annual software subscriptions
Content Creators: Patreon-style membership tiers
Streaming Services: Video/music streaming subscriptions
Online Communities: Paid Discord/forum access
Education: Course access and learning platforms

Installment Plans

Buy now, pay later functionality. Split large purchases into manageable payments over time.

Coming Features

Flexible Schedules: 2, 3, 4, 6, or 12 monthly installments
Custom Down Payments: Require initial payment percentage
Auto-Debit: Automatic payment collection on schedule
Payment Reminders: Notifications before each installment
Early Payoff: Allow customers to pay off early
Late Fee Options: Optional penalties for missed payments

Use Cases

E-commerce: High-ticket product purchases
Education: Course payments over time
Services: Consulting or agency retainers
Event Tickets: Conference or festival passes
Electronics: Computer and device financing

Escrow Payments

Hold funds securely until conditions are met. Perfect for freelance work, real estate, and high-value transactions requiring buyer/seller protection.

Coming Features

Milestone-Based Release: Release funds as work is completed
Time-Locked Escrow: Automatic release after specified time
Dispute Resolution: Built-in mediation for disagreements
Partial Releases: Release funds in increments
Multi-Signature: Require multiple parties to approve release
Refund Protection: Automatic refunds if conditions not met

How Escrow Works

Buyer Deposits: Buyer sends payment to escrow
Funds Held: ZendFi securely holds funds on-chain
Seller Delivers: Seller completes work or ships product
Buyer Confirms: Buyer verifies and approves release
Funds Released: Seller receives payment automatically

Use Cases

Freelance Platforms: Protect both client and freelancer
Marketplaces: Secure high-value transactions
Real Estate: Property deposits and transactions
B2B Services: Milestone-based project payments
Digital Goods: License transfers and software sales
P2P Trading: Peer-to-peer commerce protection

Invoices

Professional crypto invoicing for B2B payments. Send beautiful invoices, track payments, and manage your receivables all in one place.

Coming Features

Customizable Templates: Brand your invoices with logo and colors
Line Items: Detailed breakdown of products/services
Tax & Discounts: Automatic calculations for taxes and promo codes
Payment Terms: Net-30, Net-60, or custom due dates
Auto Reminders: Scheduled payment reminder emails
Partial Payments: Accept deposits and installments
Multi-Currency: Invoice in USD, EUR, or any fiat currency
PDF Export: Download and email invoices as PDFs

Use Cases

Agencies: Bill clients for services rendered
Consultants: Professional invoicing for billable hours
B2B Sales: Enterprise software and service billing
Contractors: Construction and project invoicing
Wholesalers: Bulk orders and trade accounts
Service Providers: Recurring billing for ongoing services

Ready to Get Started?

Payment Splits are available now! The other features are coming soon. Want early access or have questions? Get in touch!

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Advanced Features - Level Up Your Payments!

Table of Contents

Payment Splits (Available Now!)

How It Works

Perfect For:

Endpoint

Authentication

Request Parameters

Basic Payment Fields

Split Fields

Response Fields

Payment Split Examples

Example 1: Marketplace with Platform Fee (Percentage)

Request:

Response:

Example 2: Affiliate Program (Fixed + Percentage)

Request:

Response:

Subscriptions

Coming Features

Use Cases

Installment Plans

Coming Features

Use Cases

Escrow Payments

Coming Features

How Escrow Works

Use Cases

Invoices

Coming Features

Use Cases

Ready to Get Started?

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