Smart Split – one bill,
many ways to pay.
Your Flur wallet doesn't have enough? Combine wallet, cards and bank accounts to clear the bill in one go, without app-hopping.
Wallet
₦50,000
Card ••••34
₦30,000
Total Paid
₦80,000
Before & After Smart Split
Without Smart Split
Manual juggling, multiple failures.
With Smart Split
One seamless payment, every time.
Control how you pay, simplified.
Auto-suggest: Flur intelligently fills amounts from your available sources.
Manual control: Easily assign specific amounts to each wallet, card, or bank.
Flexibility: Adapt to any payment scenario with ease.
Payment Details
Total Due
₦80,000.00
Flur Wallet
Bal: ₦10,000
-₦10,000
Max Used
GTBank ••• 34
Debit Card
-₦10,000
Your Money, Your Way: Flexible Payment Sources
Flur Wallet
- •Instant use of existing balance.
- •Prioritized for minimal fees.
Debit Cards
- •Link unlimited Verve, Mastercard, Visa.
- •Split large bills across multiple cards.
Connected Accounts
- •Direct pull from linked banks.
- •Ideal for high-value transactions.
Flur's Atomic Transactions: Security in Every Step
Our proprietary Atomic Transaction System guarantees your peace of mind. Funds are securely locked across all sources before any transfer occurs. If any single stage of the process fails, the entire transaction is immediately and automatically cancelled, preventing partial payments and ensuring financial integrity.
Bank-Grade Encryption:
Your data is protected with industry-leading security protocols.
Fund Reservation:
All funds are reserved before payment, eliminating risk.
Instant Reversal:
Failed transactions are reversed immediately, no partial deductions.
Authorize & Reserve Card Funds
Securely verify and reserve the necessary funds on all selected debit cards.
Confirm Bank Account Pull
Establish and confirm a secure connection to pull funds from linked bank accounts.
Allocate Flur Wallet Balance
Lock the specified amount from your Flur wallet balance, awaiting final dispatch.
Execute Consolidated Payment
Only when all individual fund allocations are confirmed, the complete payment is sent to the merchant.
Versatile Application: Smart Split Across Flur Ecosystem
In-App Merchants & Services
Effortlessly pay for bills and other services directly within the Flur application with combined sources.
Physical Point-of-Sale (POS)
Experience swift and secure payments at physical locations by scanning to pay with Smart Split at any Flur-enabled POS terminal.
Card & Source Failures
If a linked card or bank account declines, the process pauses, allowing you to seamlessly swap sources without losing your transaction details.
Detailed Transaction Logging
Your Flur transaction history provides a comprehensive breakdown, showing exactly which payment source contributed what amount to your bill.
Automated Fund Reversal
In the rare event of a payment failure after funds are deducted, Flur's system initiates an immediate and automatic reversal within seconds.
Stop juggling apps just to pay one bill.
Let Smart Split combine wallet, cards and bank accounts so you can focus on living, not wiring.
