PAYMENT SPLIT

Cloud Payment Splitting

Built for platform businesses with complex settlement needs, it automates the entire fund distribution process. KnowSaaS is a registered outsourced service provider of the Payment & Clearing Association of China, so settlement stays compliant and every transaction is traceable.

  • Compliant splitting
  • Smart rule engine
  • Auto reconciliation

Core features

End-to-end automation for complex split settlement at platform businesses

Registered outsourced service provider of the Payment & Clearing Association of China

KnowSaaS (Shandong) Digital Technology is an outsourced service provider registered with the Payment & Clearing Association of China. Our split settlement and payment services run in a compliant framework, with full traceability of fund flows.

  • Core split settlement

    • Multi-role split configuration
    • Smart rule engine
    • Automated settlement execution
    • Bill visualization

  • Accounts & funds

    • Multi-channel payment aggregation
    • Virtual account system
    • Fund monitoring
    • Fund supervision & compliance

  • Finance & risk control

    • Automated reconciliation & reports
    • Risk control & exception handling
    • Real-time risk monitoring
    • Exception handling mechanisms

  • Settlement management

    • Automatic fund transfers
    • Flexible settlement cycles
    • T+1, D+1 and more
    • Full traceability of fund flows

Product advantages

Choose our cloud settlement system to support your growth

  • Experience

    Years of deep technical experience in the industry, with a real understanding of the business. We are an outsourced service provider registered with the Payment & Clearing Association of China; split settlements run inside a compliant framework and follow regulatory requirements, safeguarding the platform's long-term growth.

  • Technology

    As an official technical service provider for public-domain platforms, we deliver proven engineering and open APIs that let your business connect seamlessly across systems.

  • Product

    A SaaS + AI dual engine with end-to-end digital transformation tools. Split rules are configurable per product, and complex rules are executed with 100% accuracy.

  • Service

    24/7 technical operations that preempt system vulnerabilities and payment failures. A dedicated service group and year-round one-on-one after-sales support.

Today's pain points

The challenges and risks of traditional settlement

  • Efficiency drain

    Finance teams spend their days checking orders, statements and spreadsheets. Reconciliation cycles are long and cash turns slowly — 3–5 finance staff work full time on settlement for 7–10 days each month.

  • Accuracy crisis

    Manual calculations are error-prone. Complex fee and discount allocation rules easily spark disputes. Traditional settlement methods show error rates as high as 5–8%, driving a wave of after-sales complaints.

  • Compliance & fund risk

    Unresolved second-clearing compliance issues leave platform fund pools exposed to policy and regulatory risk. Opaque fund flows make it hard to meet regulators' fund-custody requirements.

Traditional settlement

  • Manual work is slow and labor-intensive
  • High error rates and frequent disputes
  • Opaque fund flows and high regulatory risk
  • Hard to keep up with rapid business change

Cloud settlement

  • End-to-end automation, 90% efficiency gain
  • Precise calculation, error rate below 0.1%
  • Transparent fund flows, fully compliant
  • Flexible configuration that adapts to change

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