Article facts
| Field | Visible value |
|---|---|
| What it removes | Manual matching of incoming payments to their source |
| Typical split | By acquirer, store, website, entity, project or market |
| Does it replace accounting controls? | No |
| Does it guarantee correct allocation? | No — a payer can use the wrong identifier |
| Availability | Determined during onboarding |
| Last reviewed | 2026-09-09 |
The problem it solves
Settlement payouts from several acquiring providers, in several currencies, arriving on different cycles, look similar in a single statement. Matching them by amount and date is slow and error-prone, and it gets worse as volume grows.
Assigning one identifier per source moves the matching from after arrival to before it.
Common ways to split
| Split by | Useful when |
|---|---|
| Acquiring provider | Several acquirers or PSPs pay out to the same company |
| Website or store | One legal entity trades under several storefronts |
| Legal entity | A group runs several entities through one arrangement |
| Project or product line | Revenue must be reported separately |
| Market | Flows are analysed by country or region |
What it does not do
- It does not replace accounting controls, contracts or transaction evidence.
- It does not guarantee that a payer uses the right identifier. If the wrong one is used, the payment may be allocated to the wrong flow, held for investigation, returned or need manual reconciliation.
- It does not change the legal ownership or treatment of funds.
- It does not remove the need to keep a controlled mapping of identifier to purpose on your side.
Practical advice
Keep a single authoritative mapping of each identifier to its intended source, with an owner responsible for it. Verify an identifier before sharing it with a payer, and confirm with an acquiring provider that it can pay out to the identifier before changing any settlement instruction.
Frequently asked questions
Can we use one identifier per acquiring provider? This may be available depending on the approved configuration.
Does every customer get enough identifiers to split by store? The number, currencies and permitted uses are determined during onboarding.
Can we change what an identifier is used for? Identifiers can be changed or deactivated according to the applicable terms. Update your internal mapping at the same time.
Does this help with chargebacks and refunds? It helps to separate the flows. The settlement amount itself may already reflect deductions such as fees, refunds, chargebacks or reserves under your acquiring agreement.
This article is explanatory. The individual offer and applicable agreements prevail if they differ from it.