Twill Brain

Twill <> PayEngine: Split Payments

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Twill <> PayEngine: Split Payments

Date: 2025-07-22 · Duration: 41.54999923706055 min Organizer: Nader Attendees: Nader, shobhit@payengine.co, senthil@payengine.co, spartak@payengine.co, Mike

Summary

  • Twill is adopting a new MCA partner that requires automatic payment splitting to deduct approximately 5% from each deposit for loan repayments.
  • Residual-Based Split (Option A) is recommended for its simplicity, though it could encounter issues due to the MCA industry’s expectation of daily funding.
  • The Dual Transaction Model (Option B) offers flexibility with dynamic rate changes and allows direct billing through PayEngine, presenting the best operational adaptability.
  • The Marketplace Model (Option C) would require Twill to absorb full liability for chargebacks, increasing risk exposure.
  • The FBO Virtual Bank Account (Option D) is the most complex option and necessitates separate underwriting, complicating implementation.
  • EMS integration is mandatory for all options, each requiring different configurations based on the payment structure selected.
  • Descriptor control for the Marketplace Model is effective at 70%, indicating potential for better transaction clarity.
  • Handling of disputes and refunds will differ significantly among options, with Option A relying heavily on EMS’s framework.
  • Merchant agreements will need to be updated to accurately reflect the selected payment splitting structure.
  • API access for ACH pulls will be available for testing, aiding in the implementation of the chosen option.

Action Items

  • Michael Wright Contact EMS to discuss residual sharing structure and timing for Option A implementation (17:07) Explore marketplace model setup possibilities with EMS for Option C (27:56) Get feedback from MCA partner on acceptability of monthly funding delay in Option A (30:55) Make final decision on which payment splitting option to pursue (38:25)

Nader Atrchin Discuss Option A timing constraints with MCA partner stakeholders (30:43)

Spartak Buniatyan Research and provide specific FBO provider recommendations beyond Cross River and Evolve Bank (25:06) Configure direct billing capability if Option B is selected (32:31) Enable marketplace mode if Option C is chosen (35:01)

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