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Split tender transactions combine multiple payment methods — for example, cash plus card, or cash plus EBT — in a single transaction. Centsless applies rounding rules only to the cash component; non-cash tenders pass through at their exact amounts. When you submit a split tender, you tell the engine exactly how much of the total each tender type covers, and the rounding delta is calculated against the cash portion alone.

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Submitting a split tender

Set is_split_tender to true and include a tenders array that lists each tender type and its amount in cents. The payment_method field should still reflect the primary or dominant payment method.

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Rounding rules for split tender

The engine applies the following rules when processing a split tender transaction:
  • Cash tenders are subject to jurisdiction-based rounding. The rounding delta is applied to the cash amount only.
  • EBT tenders are never rounded, regardless of jurisdiction or rounding mode. This exemption is required by 7 CFR 278.2.
  • Card tenders are never rounded.
  • The rounding_delta_cents in the response reflects only the adjustment to the cash portion — not the full transaction total.
Always pass the complete and accurate tenders array with the correct amount_cents for each tender type. The rounding engine uses individual tender amounts to calculate the correct rounding delta. An incorrect or missing tenders array will produce an incorrect rounded total.