> ## Documentation Index
> Fetch the complete documentation index at: https://docs.centsless.org/llms.txt
> Use this file to discover all available pages before exploring further.

# Process split tender transactions

> Split tender lets customers pay with multiple methods in one transaction. Centsless rounds only the cash portion and exempts EBT automatically per 7 CFR 278.2.

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.

## 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.

```json theme={null}
{
  "merchant_id": "MERCHANT-001",
  "subtotal_cents": 1000,
  "tax_total_cents": 80,
  "payment_method": "cash",
  "is_split_tender": true,
  "zip_code": "85001",
  "tenders": [
    { "type": "cash", "amount_cents": 600 },
    { "type": "ebt", "amount_cents": 480 }
  ]
}
```

## 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.

<Warning>
  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.
</Warning>