Multi-Merchant API

Manage payments for multiple sub-merchants with a single API call using UPay’s Multi-Merchant feature—purpose-built for marketplaces, aggregators, and platform-based businesses.

This functionality allows you to process a single transaction and allocate funds to multiple sub-merchants, define individual fees, and handle reconciliation efficiently—all in one go.

What is the Multi-Merchant API?

UPay’s Multi-Merchant capability enables platforms to:

• Process one charge request for multiple sub-merchants
• Split funds across vendors within a single transaction
• Assign dynamic fees per sub-merchant based on payment method
• Simplify settlement and reconciliation

Whether you're managing a marketplace, food delivery app, or service platform, this API helps you route funds accurately and automatically—without manually managing individual transactions.

Key Benefits

• One API call to handle many merchants
• Custom payouts and fees per sub-merchant
• Supports KNET, Visa, Mastercard, Apple Pay, Samsung Pay, Google Pay
• Faster settlement and reconciliation
• Fully compliant with Kuwait’s payment regulations

How It Works

To enable multi-merchant functionality, include the "ExtraMerchantsData" array in your Add Charge request. This array defines sub-merchant information, allocation amounts, and fee structures.

Example use cases:

• Allocate KD 50 to Vendor A and KD 25 to Vendor B
• Charge a 2% processing fee from Vendor C for Visa transactions
• Route all Apple Pay payments to Vendor D, minus a flat KD 1 fee

Prerequisites

Before using the Multi-Merchant API:

1. Verify Your UPay Account

   • Make sure your business profile in the "My Account" section is complete and verified.
   • Verification is required to facilitate secure fund settlements.

2. Activate the Feature

   • Contact [email protected] to enable Multi-Merchant access on your account.

Steps to Implement

Please visit Multimerchant API documentation