# MD for: https://www.mercadopago.com.co/developers/en/docs/split-payments-1-n/overview.md

\> WARNING > > Business contact required > > You can only integrate this product if your commercial contact has shared all the necessary information to do so. 

 What it offers  Distributes payment between the primary seller and one or more secondary sellers by fixed amount or percentage, with automatic split validation and reconciliation by \`external\_reference\`. 

Payment split

  * Configuration by fixed amount or percentage for each participant.
  * Sum of amounts or percentages equal to the order total.
  * Splits array with user\_id, amount and description per recipient.
  * Maximum of 10 secondary sellers per order.

Refunds

  * Partial or full refund per participant without affecting the others.
  * Full order refund with a single request.
  * Refund amounts specified in splits, not in transactions.

Reconciliation and notifications

  * Split payments sales report and Release Report for reconciliation by external\_reference.
  * Real-time updates with Webhook notifications.

Validation

  * Validations for recipients, amounts, user and KYC compliance documented in the API.
  * RFC 7807 error codes and clear responses to fix requests.

 How to integrate 

 Learn the steps required to integrate this solution. 

 Prerequisites 
* **Mercado Pago user account**  
You need to create a user on Mercado Pago (or Mercado Libre) to have a [seller account](https://www.mercadopago.com.co/hub/registration/landing).
* **SSL certificate**  
In production, your checkout page must be served over HTTPS with a valid SSL certificate.

 Integration process 

1. Create an application from [Your integrations](https://www.mercadopago.com.co/developers/panel/app) with the Orders API.
2. Configure the development environment and credentials.
3. Create test accounts for the split participants.
4. Create the order with splits.
5. Verify the order and validate status and splits array.
6. Implement refunds with splits.
7. Configure payment notifications.
8. Check reports and reconcile.
9. Test the integration and go to production.
[ I want to start integrating ](https://www.mercadopago.com.co/developers/en/docs/split-payment/split-1-n/create-application)


  flowchart TD
  A["Create application with Orders API"] --> B["Configure development environment and credentials"]
  B --> C["Create test accounts for participants"]
  C --> D["Create the order with splits"]
  D --> E["Verify the order and validate status and splits array"]
  E --> F["Implement refunds with splits"]
  F --> G["Configure payment notifications"]
  G --> H["Check reports"]
  H --> I["Test the integration and go to production"]