# Phase 14.7 — Split Payments & Facilitator Settlement

| Field | Value |
| --- | --- |
| Identifier | `payment-14.7` |
| Implementation Priority | **LATER** |
| Status | Planned |
| Service | `payment` |
| Depends On | `payment-14.5`, `payment-14.2` |

> Full specification: [payment-roadmap.md](../../payment-roadmap.md#phase-14-7--split-payments--facilitator-settlement)

## Purpose

Allocate captured funds across parties (marketplace sellers, branches) and emit facilitator settlement intents.

## Business Scope

Split rules (fixed/percent/remainder); settlement batch shells; marketplace multi-vendor.

## Technical Scope

PaymentSplitRule, PaymentSplitAllocation, SettlementBatch, SettlementBatchLine.

## Dependencies

`payment-14.5`, facilitator merchant (14.2)

## Out of Scope

Bank payout execution; Accounting journal creation.

## Capabilities

`payment.splits`, `payment.settlement_batches`

## Permissions

`payment.splits.manage`, `payment.settlement_batches.view|manage`

## Events

`payment.split.allocated`, `payment.settlement_batch.created|closed`

## API Contracts

CRUD split rules; POST settlement batches; POST close

## Data Ownership

Payment owns splits/batches; Accounting owns cash journals.

## Provider Ownership

Future payout rail adapters.

## Integration Rules

Allocations sum to captured amount; marketplace passes seller refs only.

## Quality Gates

Allocation math, batch invariants, tenant isolation.

## Definition of Done

Split on capture with settlement intent events.

## Future Compatibility

Cross-border split FX metadata.
