---
title: How it Works
slug: split-settlements/how-it-works
excerpt: Learn about the Pine Labs Online Split Settlement workflow.
hidden: false
sidebar_order: 2
metadata:
  title: Payment Workflow – Pine Labs Payment Gateway
  description: >-
    The document outlines the Split Settlement process, where a payment is
    processed and divided among stakeholders based on predefined rules, with
    real-time monitoring available on the Pine Labs Online Dashboard. Understand
    the end-to-end workflow of payments, authorization, settlement, and refunds
    in Pine Labs.
  image: []
  keywords: Split Settlements Workflow
  robots: index
---
The figure below shows the workflow of a Split Settlement.

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## Overview of the Process

1. The customer initiates and completes a payment.
2. The payment gateway processes the transaction.
3. The settlement is split according to instructions given while creating the order acceptance request
4. Each stakeholder receives their respective share directly into their account.

## Key Components of the Flow

1. **Configuration of Split Rules**: You can define static settlement rules during order creation for each stakeholder.
2. **Settlement Execution**: The system ensures timely and accurate payouts.
3. **Dashboard Monitoring**: You can monitor settlements and transaction details in real-time on [Pine Labs Online Dashboard](https://developer.pinelabsonline.com/docs/dashboard).

## Split Settlement Flow

The diagram below illustrates how split settlements work against an order. It also explains how settlement and refund behaviours vary based on the status of each split.

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