## Zoho Payments Documentation Index

Access the complete documentation index at:
https://www.zoho.com/in/payments/llms.txt

Use this file to discover all available documentation pages before proceeding.

# Creating Transfers and Reversals

To start splitting payments across your connected accounts, you need to add connected accounts and create transfers using the [Zoho Payments API](https://www.zoho.com/in/payments/api/v1/marketplace-settlement/#overview "Zoho Payments API"). Once transfers are created, you can also reverse them if needed.

**Insight:** To test the Split feature before going live, use the [Zoho Payments Sandbox environment](https://paymentssandbox.zoho.in/ "Sandbox"). For setup instructions, refer to the [Sandbox developer doc](/in/payments/developerdocs/sandbox/setup/ "Sandbox").

*   [Create Connected Accounts](#set-up-connected-accounts)
*   [Create Transfers](#create-transfers)
    *   [Fetch Connected Accounts](#fetch-connected-accounts)
        *   [Create Transfers via Payment Session](#transfer-payment-session)
        *   [Create Transfers After Payment](#transfer-after-payment)
*   [Reverse Transfers](#reverse-transfers)
    *   [Reverse Transfers via API](#reversal-api)
    *   [Reverse Transfers with a Refund](#reversal-refund)

## Create Connected Accounts

A connected account represents a seller, vendor, or service provider on your platform who will receive a portion of the split payment. Before you can create transfers, the connected account must be added and verified. To create a connected account:

1.  Go to _Split_ in the Zoho Payments app and select _Connected Accounts._
2.  Click **\+ Add Connected Account** and enter the required details (account name, business PAN, email address, business type, and bank account details).
3.  Once created, the account enters a **Pending** status while the Zoho Payments team performs background verifications.
4.  After the account is verified and marked as **Active**, transfers and payouts are enabled for the account.

**Note:** Transfers cannot be processed until the connected account is verified and the `transfer_status` is enabled. You can check the account status using the [List Connected Accounts API](https://www.zoho.com/in/payments/api/v1/marketplace-settlement/#list-connected-accounts "List Connected Accounts API").

* * *

## Create Transfers

A transfer moves funds from your account to a connected account as part of a payment split. You can create transfers at the time of payment or after a payment has been processed using the [Create Transfer API](https://www.zoho.com/in/payments/api/v1/marketplace-settlement/#create-transfer "create-transfer").

### Fetch Connected Accounts

Before creating transfers, fetch your active connected accounts using the [List Connected Accounts API](https://www.zoho.com/in/payments/api/v1/marketplace-settlement/#list-connected-accounts "List connected accounts API") to retrieve the `connected_account_id` for each account you wish to transfer to.

Connected Account List API — Sample Response

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```json
{
  "code": 0,
  "message": "success",
  "connected_accounts": [
    {
      "connected_account_id": "933000000702001",
      "account_name": "Charles",
      "email_id": "abcd@gmail.com",
      "under_writing_status": "pending",
      "transfer_status": "disabled",
      "created_by": "abcd@gmail.com",
      "last_modified_by": "abcd@gmail.com",
      "created_time": "1770014182355",
      "last_modified_time": "1770014182355"
    },
    {
      "connected_account_id": "933000000645017",
      "account_name": "Zylker",
      "email_id": "charles@zylker.com",
      "under_writing_status": "pending",
      "transfer_status": "disabled",
      "created_by": "charles@zylker.com",
      "last_modified_by": "charles@zylker.com",
      "created_time": "1763027675472",
      "last_modified_time": "1763027675472"
    }
  ],
  "page_context": {
    "page": 1,
    "per_page": 200,
    "total": 2,
    "total_pages": 1,
    "has_more_page": false,
    "select_columns": [],
    "group_by": "",
    "sort_column": "created_time",
    "sort_order": "D"
  }
}
```

Once you have the `connected_account_id` values, create transfers using one of the following approaches.

### Create Transfers via Payment Session

To split a payment before it is completed, include the `transfer_details` array in the Create Payment Session API request. The transfers are defined upfront and processed automatically once the payment is successful. Provide the `connected_account_id` and the corresponding `amount` for each transfer.

1.  Call the [Create Payment Session API](https://www.zoho.com/in/payments/api/v1/payment-session/#create-payment-session "Create payment session") from your server with the `transfer_details` included in the request body.
    
2.  Verify the transfers once the payment is received. The transfers are processed automatically and can be retrieved using the [Transfer List API](https://www.zoho.com/in/payments/api/v1/marketplace-settlement/#list-transfers "Transfer List API").
    

Payment Session API — Sample Payload

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```json
{
  "amount": 100.5,
  "currency": "INR",
  "expires_in": 900,
  "transfer_details": [
    {
      "connected_account_id": 23137556,
      "amount": 10
    },
    {
      "connected_account_id": 23137556,
      "amount": 20.5
    }
  ]
}
```

**Note:** The sum of all transfer amounts must not exceed the total payment amount.

### Create Transfers After Payment

To split a payment that has already been processed, use the Create Transfer API. Provide the `payment_id` and the `transfer_split` details in the request body.

1.  Call the [Create Transfer API](https://www.zoho.com/in/payments/api/v1/marketplace-settlement/#create-transfer "Create Transfer") with the `payment_id` of the completed payment.
2.  Specify the `transfer_split` array with the connected accounts and amounts.

Transfer Creation API — Sample Request

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```json
{
  "payment_id": 6485000000045015,
  "transfer_split": [
    {
      "connected_account_id": 6485000000021081,
      "amount": 20,
      "description": "Testing"
    },
    {
      "connected_account_id": 6485000000031001,
      "amount": 20,
      "description": "Testing"
    }
  ]
}
```

**Insight:** To split a payment across multiple connected accounts, create separate transfers for the same `payment_id` with the respective `connected_account_id` and `amount` for each account.

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## Reverse Transfers

A transfer reversal credits the transfer amount back to your account and debits the connected account’s balance. You can reverse a transfer partially or in full. Transfers can be reversed using the Transfer Reversal API or as part of a refund from your Zoho Payments app.

**Warning:** A transfer reversal cannot be undone. Review the reversal amount carefully before confirming.

### Reverse Transfers via API

Use the [Reverse Transfer API](https://www.zoho.com/in/payments/api/v1/marketplace-settlement/#create-transfer-reversal "Reverse Transfer") to reverse a transfer programmatically. Provide the `transfer_id`, `reversal_amount`, and `description` in the request body.

Transfer Reversal API — Sample Request

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```json
{
  "transfer_id": 6485000000046007,
  "reversal_amount": 100,
  "description": "Reverse 100"
}
```

The request body supports the following fields:

**Parameter**

**Type**

**Required**

**Description**

`transfer_id`

Number

Yes

The unique identifier of the transfer to reverse.

`reversal_amount`

Number

Yes

The amount to reverse from the transfer.

`description`

String

No

A brief description of the reversal.

**Note:** You can reverse a transfer partially or in full. The remaining amount, if any, stays with the connected account.

### Reverse Transfers with a Refund

When you refund a payment, you can simultaneously reverse all transfers linked to it. To do this from the Zoho Payments app:

1.  Go to the _Payments_ module and select the payment you want to refund.
2.  Click **Refund** and check the **Reverse all transfers** option to reverse all transfers linked to the payment along with the refund.
3.  Click **Confirm.**

This will reverse all transfers associated with the payment. Individual transfer amounts will be debited from the respective connected accounts and credited back to your account.

**Insight:** Always verify the transfer status after creating or reversing a transfer. Use the [Transfer List API](https://www.zoho.com/in/payments/api/v1/marketplace-settlement/#list-transfers "Transfer List API") to confirm that transfers have been processed as expected.