The word "splitting" in Binance Pay can mean two completely different things. Regular users can only access Split Bill in the app, while true order splitting (Profit Sharing) is a merchant API feature with no user-facing entry point. These two are often confused, but the recipient logic, settlement method, and refund path are all different.
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Users only have "Split Bill," not "Profit Sharing"
If you look for "splitting" on the Binance App's Pay page, the feature you will find is called Split Bill, sometimes shown as "AA Collect" in Chinese interfaces. What it actually does: you set a total amount, specify the number of people, share the link with friends, and each person pays their share. All the money ends up in your account. There is no step where "the platform splits the money to multiple recipients."
To start, go to the app's Pay → + → Receive → Split Bill. Choose the currency, enter the total amount, set the number of people (including yourself), optionally add a description, and share the link. The link expires after 30 days. After that, you need to create a new request. You can check progress under History in the Request tab.
The key point here: Split Bill is about collecting money from friends, not about splitting one order's payment among suppliers, partners, or team members. If you need the latter, the user app does not support it. You need the merchant API.
Merchant Profit Sharing: register recipients first, then submit the split
True order splitting (Profit Sharing) is a Binance Pay merchant capability. When creating an order, the merchant adds a profit-sharing tag. After the order is paid successfully, the merchant calls the profit-sharing API to split the funds among multiple Binance accounts. Recipients must be Binance users, identified by Binance ID, up to 100 recipients.
There are two preconditions that are easy to miss:
First, recipients must be registered in advance. The merchant needs to call the Add Receiver API first to add the recipient's Binance ID to the list. Only then can that recipient be referenced in a split. You cannot just fill in a UID at the moment of splitting and expect the transfer to work.
Second, the order itself must carry the profit-sharing tag. If the order was created without the profit-sharing flag in orderTags, you cannot initiate a split for that order later. The API documentation clearly states that the "related order created with the create order API must contain orderTags."
After submitting a split request, the API returns one of three statuses: WAITING, PROCESSING, or FINISHED. Note that FINISHED only means the split process has ended. For each recipient's actual result, check the status inside receiverOrderDetails: SUCCESS means the money really arrived, while FAIL comes with a failure reason. Funds received from a split go into the recipient's Funding Wallet, not the Spot Wallet.
Refunds and "split returns" are two different things
Regular users and merchants often go down the wrong path here.
Split Bill refunds for regular users: If you created a Split Bill request and someone has already paid, the system will not refund automatically. The official explanation is that after canceling the request, you need to manually return the received funds to the payers. Link expiration also does not mean paid amounts are automatically returned.
Refunds for merchant split orders: If an order that has already been split needs a refund, the merchant cannot simply call the normal refund API and be done. Binance Pay provides a separate Split Return API for taking back funds that have already been split out. You need to pass splitOrderNo or originMerchantRequestId to identify which split you are targeting, and specify transferOutAccount (which recipient to recover funds from) and returnAmount. The existence of this API itself shows a simple fact: after splitting, the funds are no longer in the merchant's hands. Refunds require a reverse deduction from the recipient's account.
If your scenario is "the customer paid, I split part of it to a partner, and now the customer wants a refund," you need to first use Split Return to recover that portion from the partner's account, then process the order refund. Both steps are required. Skipping one or doing them in the wrong order will cause the refund to fail or the amounts to mismatch.
What you should do
If you are an individual user who just wants to split a meal or share an expense with friends, the Split Bill feature in the app is enough. You do not need to touch any API. But understand that it is not a subscription, not a merchant payout, and not automatic fund splitting. It is just a payment request with a link.
If you are a merchant or developer, you need the Profit Sharing API. First confirm that you have Binance Pay merchant qualifications and profit-sharing permission on your API Key. Then register the recipients' Binance IDs. Only after that should you start writing code to call the split API. For refunds, remember to use Split Return. Do not force a refund through the normal refund API.
If you do not have a Binance account yet, you can use this site's invitation code FYLK9104 when registering. The referral field is in the registration form and is optional. This code has no connection to the Binance Pay merchant profit-sharing feature, which requires a separate merchant qualification application.
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