Powered By Ideas Partner with us
  1. Home
  2. Products
  3. DiscountSplit
In developmentFintech · Payments

DiscountSplit

Escrow-based split payments between three parties. The client pays by card. An SBP-licensed gateway holds the funds. When the job is done, the money goes straight to the service provider and the platform fee is paid separately. It is never pooled in a middle account.

Talk to our team See the money flow

The problem

Platforms end up holding other people's money.

Service marketplaces usually collect the full payment into their own account and pay providers out later. That creates regulatory risk, delays for providers, trust problems for clients, and a pooled account that shouldn't exist.

The solution

Held by the gateway, split at the source.

Funds sit in escrow with an SBP-licensed payment gateway. When release conditions are met, the gateway pays the service provider and the platform fee as separate transfers. The platform never touches the principal.

How money moves

Three parties. Zero pooling.

Built for transactions from PKR 2,000 to PKR 500,000, such as home services, freelance projects, events and professional work.

split calculator
PKR 25,000
Service provider–
Platform fee–
Gateway fee–

Example rates: 10% platform fee [PLATFORM FEE %] and 2.5% gateway fee [GATEWAY FEE]. Actual fees depend on the gateway agreement.

escrow flow
ClientPays by debit or credit card SBP-licensed gatewayHolds the funds in escrowuntil release conditions are met ProviderDirect payout PlatformFee only

Key features

Trust built into every transfer.

Gateway-held escrow

Funds are held under an SBP-licensed gateway's licence, not in the platform's bank account.

Split at the source

The provider and the platform fee are paid as separate transfers from escrow.

Milestone release

Release on completion, on client approval, after a set time, or in staged milestones.

Dispute workflow

A structured hold-and-resolve process with evidence upload and time limits.

Card-first checkout

Local debit and credit cards on a PCI DSS-compliant gateway checkout. We never store card data.

Clean reconciliation

Clear records for each party, ready for accounting and audit.

How it works

Pay. Hold. Release.

  1. Client pays by cardOn the gateway's secure checkout, for between PKR 2,000 and PKR 500,000.
  2. Gateway holds fundsThe money stays in escrow with the licensed gateway while the service is delivered.
  3. Conditions metThe client confirms, a milestone is approved, or the release window ends.
  4. Direct disbursementThe provider gets their share and the platform gets its fee, as separate transfers.

Who it's for

For platforms that connect people.

DiscountSplit also handles escrow payments for our own marketplaces, MedsForHalf and GoldMarketPK.

Service marketplaces

Home services, tutoring, events, freelancing: any platform where a client pays a provider.

Payment gateways

A ready-made escrow and split product that increases volume on your licence.

Providers & clients

Providers know the money is secured before they start. Clients know it's only released when the work is done.

Status & roadmap

Where it is now.

In development

  1. Phase 1

    Flow design

    A three-party escrow design with no pooled account.

  2. Phase 2 · Now

    Gateway integration

    Integration and compliance review with an SBP-licensed gateway partner.

  3. Phase 3

    Pilot platforms

    A live pilot with the first service marketplaces.

  4. Phase 4

    Open API

    Self-serve APIs and dashboards for any platform.

Ready to stop holding other people's money?

Platforms and gateways: let's design your split-payment flow together.

Talk to our team