FinVeil Connect
Split payments. Automated payouts. Built for South African marketplaces.
Stripe Connect doesn't operate in South Africa. FinVeil Connect does. Collect a payment, split it between multiple parties, and pay each one on their own schedule — all through one API.
How it works
One payment in. Three settlements out.
A customer pays once. FinVeil Connect splits the funds between every party on the platform — each on their preferred rail.
Customer pays
R 1,000
via card or instant EFT
FinVeil Connect
Split & route
Restaurant
Ozow EFT
R 700
Driver
Visa Direct
R 200
Platform
Retained
R 100
Built for every platform model
From food delivery to eSports — one rail.
Food delivery
Split each order between restaurant, driver, and platform — instant settlement on cash-out.
Freelance marketplaces
Pay contractors per project. Hold funds in escrow-style buckets until milestones clear.
Property rentals
Route monthly rent between landlord, agent, and your service fee. Auto-deduct levies.
E-commerce aggregators
Multi-vendor checkouts. Each seller gets paid weekly via EFT, you keep your platform fee.
Gaming & eSports
Pay tournament winners on demand via Visa Direct. Reserve a platform cut on every prize pool.
For developers
Two API calls. Whole marketplace.
Create a connected account
curl -X POST https://api.finveil.io/api/connect/accounts \
-H "Authorization: Bearer $FINVEIL_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"businessName": "Cape Town Pizza Co.",
"email": "owner@ctpizza.co.za",
"country": "ZA",
"payoutRail": "OZOW",
"bankAccount": "62812345678"
}'
# => {
# "accountId": "acct_a8e2...",
# "status": "ACTIVE",
# "onboardingUrl": "https://connect.finveil.io/onboard/acct_a8e2"
# }Collect a payment with splits
curl -X POST https://api.finveil.io/api/payments/collect \
-H "Authorization: Bearer $FINVEIL_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"amount": 1000.00,
"currency": "ZAR",
"method": "AUTO",
"email": "diner@example.co.za",
"splits": [
{ "accountId": "acct_restaurant_a8e2", "amount": 700.00, "rail": "OZOW" },
{ "accountId": "acct_driver_b73c", "amount": 200.00, "rail": "VISA_DIRECT" },
{ "accountId": "platform", "amount": 100.00 }
]
}'
# => {
# "paymentId": "pay_4f1a...",
# "status": "PENDING",
# "splits": 3,
# "receiptId": "rcpt_pay_a8e2..."
# }Pricing
Simple, per-split pricing.
R 0.50
per split transfer
R 0
monthly fee for connected accounts
100
free splits / month on Growth
How it works
Three steps.
Onboard the parties
Create a connected account for every seller, driver, or contractor on your platform.
Collect once
Customer pays the full order via card or instant EFT — single checkout.
Split and settle
FinVeil splits the payment per your rules and pays each party via the rail you chose.
Benefits
Why teams choose FinVeil Connect.
Split between any number of parties
Two parties or twelve — the split engine handles it in one API call with one receipt per leg.
Rail per recipient
Pay the restaurant via EFT (cheap), the driver via Visa Direct (instant), retain the platform fee — all in one transaction.
No Stripe Connect? No problem.
Built for South Africa first. Paystack, Ozow, PayFast, Visa Direct all wired in. Your marketplace, live this week.
Receipt per leg
Every split payment produces one receipt per recipient — full audit, full reconciliation, zero manual stitching.
Who it's for
Developer-friendly
Drop it into your stack.
REST API, typed SDKs in 9 languages, and a sandbox environment you can explore in 30 seconds. No calls with sales to get keys.
Read the docscurl -X POST https://api.finveil.money/api/payments/collect \
-H "Authorization: Bearer $FINVEIL_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"amount": 1000.00,
"currency": "ZAR",
"method": "AUTO",
"email": "diner@example.co.za",
"splits": [
{ "accountId": "acct_restaurant_a8e2", "amount": 700.00, "rail": "OZOW" },
{ "accountId": "acct_driver_b73c", "amount": 200.00, "rail": "VISA_DIRECT" },
{ "accountId": "platform", "amount": 100.00 }
]
}'
# => { "paymentId": "pay_4f1a...", "splits": 3, "receiptId": "rcpt_pay_a8e2..." }