Commissions & payouts

As an account representative, MySplitPay gives you your own view of the business you bring in: the commissions you earn on the merchants you manage, the running balance of what you’re owed, and the payouts you’ve been paid. This guide walks through getting into the platform and finding each of those things.

Everything you see is scoped to you. You won’t see other representatives’ books or your ISO’s admin tools — just your own commissions, balance, and payout history.

Getting access

You don’t sign yourself up. Access always starts with an invitation from your ISO — the organization you represent. When they add you, you receive an email inviting you to join them on MySplitPay.

Accepting your invitation

Open the link in the invitation email. You’ll land on a page that confirms which ISO invited you and the email address the invite was sent to. From there:

• If you’re new to MySplitPay, choose I’m new here, create a password, and optionally add a phone number. That’s your account.
• If you already have a MySplitPay login (for example, you represent more than one ISO), choose I have an account and enter your existing password to link the new access to it.

Once you’ve accepted, you’re signed in and ready to go.

Note

Invitations don’t stay valid forever. If yours has expired by the time you open it, you’ll see a message saying so — just ask your ISO to send a fresh invite.

Signing in afterward

After you’ve accepted, sign in any time from the login page with your email and password. If you ever forget your password, use the Forgot password link to reset it.

You can update your name, phone number, password, and display theme at any time from User Settings, in the account menu at the top of the page.

Viewing your commissions

You earn a commission on each merchant account (MID) you’re assigned to, at a rate your ISO sets for that MID. As your merchants process payments and your ISO loads the resulting reports, the commissions you’ve earned are added to your ledger.

Your ledger is the running record of everything that affects what you’re owed:

• Commissions — what you earned on each MID, by period.
• Credits — amounts your ISO adds in your favor (for example, a bonus or an adjustment).
• Deductions — amounts subtracted (for example, a correction or a chargeback-related adjustment).
• Payouts — money already paid out to you, which reduces your balance.

At the top of your ledger is your current balance: the total you’ve earned but haven’t been paid yet. Below it, the transaction history shows each entry with its date and amount, so you can see exactly how your balance was built. You can export this history to a CSV file to keep your own records or reconcile against a payment you received.

Tip

Commissions appear after your ISO processes the reports for a period, so a given month’s earnings show up once those reports are in — not the instant a transaction happens. If you expect a commission that isn’t there yet, the report for that period may not have been loaded.

Because your ISO sets the rate on each MID, the rate you see is there for reference — it reflects your current arrangement rather than something you change yourself. If a rate or an assignment looks wrong, raise it with your ISO.

Payouts & statements

A payout is how your ISO actually pays you for what you’ve earned. Your outstanding balance sits in your ledger until your ISO issues a payout that draws it down. You don’t issue payouts yourself — your ISO assembles and sends them.

Open My Payouts to see your full payout history. At the top, a summary gives you the essentials at a glance:

• Paid to you — the total you’ve been paid, across every payout you’ve received.
• Outstanding — your current balance, still awaiting your next payout.
• Last payout — when you were most recently paid, and its payout number.
• Pending corrections — any adjustments queued to be applied on an upcoming payout (more on these below).

Below the summary is the list of every payout you’ve received, each showing its date, a payout number, the number of line items it contained, and the amount. You can search, filter, sort, and page through the list, and export it to CSV.

Reading a payout statement

Select any payout to open its statement — an itemized breakdown of exactly what that payment covered. A statement shows:

• The total amount paid.
• A composition summary — how the total splits across commissions, credits, and deductions.
• The line items themselves, each tagged with a colored type label (commission, credit, or deduction) so you can see what made up the payment.

You can download the statement as a CSV file for your own records. A payout you’ve received is settled — it’s a fixed record of what you were paid.

Note

Curious how payouts are assembled on the ISO side? The ISO payouts guide explains the process your ISO follows. You don’t need it to read your own statements, but it’s there if you want the fuller picture.

Corrections

Sometimes a figure changes after a payout has already gone out — say a report is revised. Rather than alter a payment you’ve already received, MySplitPay records a correction: a credit or a deduction that’s applied to your next payout instead. That keeps every statement you’ve received accurate as of the day it was issued, while making sure the math evens out going forward. If a correction is waiting, you’ll see it flagged in your payouts summary.

Next steps

• Not sure what a term means? The glossary defines merchants, MIDs, commissions, ledgers, payouts, and more in plain language.
• Keep your profile and password current from User Settings, in the account menu.