Multi Payments
At Checkout

High-priced baskets can be hard to pay for upfront alone. Enable customers to split the cost across multiple payment methods and unlock incremental revenue.

Multi-payment checkout options interface
Split payment method interface
Hands In
Hands In
Multi‑method checkout
Most travellers can afford the trip.
Fewer can pay in one go.
The shift
More ways to pay than ever,
still one slot at checkout.
Two cards. A card and a wallet. Points plus a card. Personal plus corporate.
The gap
Travellers have asked for years —
the industry hasn’t caught up.
75–80%
want to split payments across methods
22–27%
gap
of OTAs and airline sites allow it
The cost
That gap has a price.
~5%
of travel card payments fail at checkout
17%
of travellers have hit a card decline
$117B
of 2025 travel revenue put at risk
The fallout
And a failed payment rarely waits.
13%
book with a competitor instead
5%
abandon the purchase entirely
The reason
The card isn’t declining the customer —
it’s declining the amount.
Insufficient funds
Credit‑limit constraints
The two biggest causes of failed payments.
The reframe
One method falling short
isn’t the same as can’t afford it.
Two cards
Card + wallet
Points + card
Personal + corporate
Hands In
So they pay with everything they have,
as one purchase.
Card · 45%
Wallet · 35%
Points · 20%
Card
Wallet
Loyalty points
Payment successful
The benefit
Which leaves a checkout that says yes

More high‑value bookings

Fewer baskets lost to declines

Fewer customers sent elsewhere

The question was never whether
they can afford it.
It’s whether your checkout can accept
how they want to pay.
Hands In
Multi‑method payments for your checkout

How We're Solving It

Customers can split the cost across cards, digital wallets, and Buy Now, Pay Later (BNPL) to complete high-value, high-intent purchases.
How split payments work
Checkout screen with the option to pay with multiple cards selected

1. Select the option to split a payment

Select to split the payment across multiple payment methods at checkout.

Screen for choosing how many cards to split the total across

2. Choose number of payments to split across

The customer decides on the number of payment methods they wish to split the total payment amount across.

Screen showing an amount being paid on each individual card

3. Pay amount on each payment method

The customer then proceeds to pay each respective amount on each individual payment method.

Confirmation screen showing the payment completed

4. Multi payment completed

The payment is then completed when each payment has been processed and the total has been collected.

Never let a single card be the reason a transaction fails

Let customers combine cards, wallets, and Buy Now Pay Later in one transaction, so limits, balances, and declines never stand between them and the purchase.

Airlines
  • Combine a corporate travel card with a personal card in one booking
  • Convert high-value premium cabin and long-haul fares
  • Recover bookings declined due to insufficient funds
  • Drive ancillary spend on seats, bags, and upgrades
Online Travel Agents & Booking Platforms
  • Split multi-leg itineraries and bundled packages across several cards
  • Convert high-value group trips and extended stays
  • Recover checkouts blocked by a single card limit
  • Add BNPL to spread the cost of big-ticket travel
Ticketing & Events
  • Split group bookings and season tickets across friends' cards
  • Convert VIP, hospitality, and premium tiers
Hotels & Hospitality
  • Charge the room to a corporate card and incidentals to a personal one
  • Convert suites, extended stays, and group reservations
Key Features

Built For The Complexity of Multi Method Bookings

Enable customers to split high-value purchases across multiple cards while keeping the payment experience simple and connected to your existing infrastructure.

Customisable UI

A White-label checkout page that can be customised across numerous elements. From brand colours, fonts and layouts to more complex customisation such as specific payment methods for a particular customer.

Localization

Reach a global audience effortlessly. Our platform is designed to support multiple languages and regional formats, providing your customers with a tailored experience based on their location.

Phone showing the Split Your Payment checkout screen, with a countdown to pay, supported cards and Afterpay, and step-by-step instructions.

Connected With Your Pre-Existing Payment Infrastructure

Hands In integrates with a variety of different payment gateways and acquirers so your business can operate as usual.

Accept Alternative Forms Of Payments

Expand the payment options you offer to include other forms of payment such as

Supported payment methods grouped into credit and debit cards, wallet payments, and buy now pay later providers.
Testimonials

Testimonial

Air Europa

≤ 95%

Conversion rate after first transaction

$30m+

Incremental revenue delivered in the first 12 months

“We’re thrilled to offer split payments as part of our online purchasing process. It aligns perfectly with our ‘Tú Decides’ (You Decide)’ campaign, giving users more control over how they book and pay. By reducing barriers to flying, we’re making travel even more accessible.”

Yago Cassonovas

Yago Cassonovas

Payments, Fraud Prevention, Distribution Airlines & Travel | Air Europa

Data sourced: 2025 - 2026

Read Case Study

Frequently Asked Questions

Everything you need to know about our multi payments product.

Can’t find the answer you’re looking for? Please chat with our team.
What happens if one of the transactions declines?

Only the declined transaction fails. The customer is shown an error at checkout and can retry that portion with a different card or payment method, while the rest of the split is unaffected.

How does this work with refunds?

We facilitate full or partial refunds for both single and multiple cards.

  • For a full purchase refund, initiate it for the entire multi card purchase.

If you prefer refunding a single card, simply select the option and issue the refund.

What is the minimum amount you can pay on each payment?

The minimum amount is $1, and the amounts are set by the payer. We can accept all cards that are accepted by the PSPs you connect to Hands In.

How many payment methods can be used to split across?

The merchant can configure how many payment methods a customer can split across. We allow you to set a minimum & maximum value to control the number of split transactions the customer can make.