§ 1
In brief
Retail group: a card payment
- 1Net to the store
- 2Acquiring feekept by the bank
Proportions are illustrative.
Marketplace: one order, three sellers
- 1Seller 1
- 2Seller 2
- 3Seller 3
- 4Commissionto the marketplace
- 5Provider’s fee
- 6Reserveheld for a set period
Proportions are illustrative. The shares always add up to the captured amount; a refund is taken back from the recipients’ shares.
- Shares add up
- Shares are counted in kopiykas and always add up to the captured amount.
- The fee is a share
- The acquiring fee is a share like any other, and the unit always sees it.
- Partial capture
- Capture after picking scales the plan to the captured amount.
- Money going back
- A refund is taken back from the recipients’ shares, in proportion; the fees are kept.
§ 2
In detail
2.1
When the banks settle to the company
In a retail group whose banks settle to it directly, the platform holds no money. A captured card payment has two shares: the unit’s net and the acquiring fee under the agreement. The bank keeps its fee when it settles and credits the net; the platform records what is owed so that reconciliation can check it.
The ledger reads it as one balanced entry: the acquirer owes the captured amount; of it, the net is due to the unit and the fee is the acquirer’s. When the report and the credit arrive, the entry is closed, or the difference stays visible.
Demo scene 1
A card payment of the online shop
Captured after picking: the store’s net and the acquiring fee, drawn to scale.
2.2
One order, two payments
One order can be paid by several instruments: part with bonus points, the rest by card. Each part is a payment with its own distribution; the order is paid when together they cover the picked amount.
Demo scene 2
An order paid with points and a card
The two payments of one order and the shares of each.
Order YRO-2026-02438
| Payment | Captured | Shares |
|---|---|---|
| Bonus points | ₴120.00 | Merchant bonus system (connector) ₴0.00 · Yarmarok Online ₴120.00 |
| Card | ₴659.50 | UA Open Banking Hub ₴2.00 · Yarmarok Online ₴657.50 |
2.3
In a marketplace
Where a payment service provider that holds its merchants’ money runs on the platform, the same division has more shares: each seller’s part, the marketplace’s commission, the provider’s fee, a share for a good cause and a reserve.
The plan comes from the policies of the unit that sells: a template — direct sale, marketplace, agency or franchise — the commission, the share for a good cause, how long shares are held and how much is kept as a rolling reserve.
Demo scene 3
A marketplace payment
One order on the payment provider’s stand, divided among the sellers, the charitable share, the provider’s fee and the marketplace, drawn to scale.
Order KVM-2026-00709
Demo scene 4
The plans in force for some merchants
Each merchant’s template, commission, charitable share, holding period and reserve, as their policies resolve them.
| Merchant | Split template | Marketplace commission | Share for a good cause | Hold shares for | Rolling reserve |
|---|---|---|---|---|---|
| Kvitka Market | marketplace | 8 % | 1 % | 0 days | 0 % |
| Dnipro Travel | agency | 12 % | 0 % | 3 days | 5 % |
| Zerno Ivano-Frankivsk | franchise | 0 % | 0 % | 0 days | 0 % |
| Zerno Uzhhorod | franchise | 0 % | 0 % | 0 days | 0 % |
| Amber & Silver | direct | 0 % | 0 % | 7 days | 10 % |
2.4
The rules of the division
- Every share is counted in whole kopiykas and rounded down; exactly one share takes the remainder, so the shares always add up to the captured amount.
- A partial capture, after picking for instance, scales the plan to the captured amount.
- A fee is a share like any other: always visible to the unit, and to the payer before paying where the unit chooses.
- A rolling reserve, where a provider holds money, is its own share; a group whose banks settle directly has none.
2.5
When money goes back
A refund or a lost dispute is taken back, in proportion, from the shares that received the money. In the demo the fees are not returned: the bank keeps its fee, and in a marketplace the provider keeps its own. Where the banks settle directly, a refund is netted by the bank in a later batch, and reconciliation checks that it was netted once and in full.
§ 3