> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://docs.coinflow.cash/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://docs.coinflow.cash/_mcp/server.

# Settlement

## Splitting settlement across accounts

To route a payment into embedded accounts, request a destination auth key with a `destinations` list and pass the returned `destinationAuthKey` into checkout. Splits can be defined by percentage or by fixed amount.

Each destination must be your primary account or one of your embedded accounts, and each may only appear once in a split. A split must use either percentages or fixed amounts, not a mix of both.

#### Percentage split

```bash
curl --request POST \
  --url https://api-sandbox.coinflow.cash/api/checkout/destination-auth-key \
  --header 'Authorization: YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "destinations": [
      {"destination": "PRIMARY_ACCOUNT_ADDRESS", "percentage": 20},
      {"destination": "EMBEDDED_ACCOUNT_ADDRESS", "percentage": 80}
    ]
  }'
```

#### Fixed amount split

```bash
curl --request POST \
  --url https://api-sandbox.coinflow.cash/api/checkout/destination-auth-key \
  --header 'Authorization: YOUR_API_KEY' \
  --header 'Content-Type: application/json' \
  --data '{
    "subtotal": {"cents": 10000},
    "destinations": [
      {"destination": "PRIMARY_ACCOUNT_ADDRESS", "amount": {"cents": 2500}},
      {"destination": "EMBEDDED_ACCOUNT_ADDRESS", "amount": {"cents": 7500}}
    ]
  }'
```

> **Warning**
>
> The values above (`PRIMARY_ACCOUNT_ADDRESS`, `EMBEDDED_ACCOUNT_ADDRESS`, the percentages, and the amounts) are **examples only**. Use the addresses shown for your accounts on the Embedded Accounts page in the Merchant Dashboard.

> **Tip**
>
> For fixed amount splits, the destination amounts must add up to the `subtotal`. For percentage splits, the percentages must add up to 100.

> **Info**
>
> If your account has a **maximum primary account share** configured, requests that settle a larger percentage to your primary account are rejected. See [Account controls](/guides/embedded-accounts/overview#account-controls).