Payments feature
Let members split payments with benefits
Guide members through Edenred, ePassi, or Smartum top-ups, refresh Fisofi Credit after approval, and let checkout continue with wallet balance plus card or Klarna when needed.
Benefit providers
Checkout continuation
Wallet-first flow with provider confirmation, automatic wallet refresh, and a clear fallback path for staff.
Secure checkout
Benefits + wallet + remainder
Benefit confirmation
Edenred
Benefit top-up request
ePassi
Benefit top-up request
Smartum
Benefit top-up request
Waiting for provider confirmation
Checkout summary
Finish with
Remaining amount continues in the secure checkout flow.
How split payments with benefits work
The flow mirrors the real widget logic in Fisofi: instructions first, provider confirmation next, then wallet-driven checkout continuation.
Choose payment
Edenred · ePassi · Smartum
What changes for the studio
Manual benefit handling usually breaks the purchase journey. Fisofi turns it into a guided, trackable flow that is easier for both members and staff.
10-class pass
Dance Studio Helsinki
€120
Customer clarity
Members pay in one place, message the studio elsewhere, and are left guessing how the remaining amount will be handled.
Unclear handoffStaff workload
Someone has to verify screenshots, reconcile amounts, and explain what happens next.
Manual follow-upCheckout continuity
The purchase stops midway, creating drop-off risk between benefit payment and final booking.
Broken flowExact effort saved depends on current studio process, but the value comes from replacing ad-hoc payment handling with one guided path.
Background verification without pretending the provider step is instant
Fisofi creates a benefit payment request, watches for provider confirmation, updates wallet balance after approval, and returns the member to checkout with the right amount due.
Credit payment request created
ActiveFisofi stores the provider, requested amount, and checkout session context.
Provider confirmation detected
QueuedThe payment stays pending while Fisofi listens for approval signals in the background.
Wallet balance updated
QueuedApproved benefit value is reflected in Fisofi Credit so the real usable balance is visible.
Checkout resumes with the right remainder
QueuedMembers either finish immediately with wallet or pay the rest through card or Klarna.
Background orchestration
Credit payment request created
Fisofi stores the provider, requested amount, and checkout session context.
Payment state
Pending until provider confirmation resolves
Checkout continuity
Wallet balance determines the real remaining amount
Manual fallback still exists
If automatic confirmation does not resolve the payment, the team still has a manual review and approval path instead of losing the purchase context.
How this fits studio operations
The value is not just payment flexibility. It is the fact that benefits, wallet balance, and the remaining checkout stay coordinated in one product flow.
- Show members a predictable path for Edenred, ePassi, and Smartum instead of ad-hoc payment instructions.
- Track provider, amount, status, and checkout context together instead of matching messages manually.
- Refresh Fisofi Credit after approval so staff and members see the same balance reality.
- Let wallet cover as much as possible, then continue the remainder securely with card or Klarna.
- Preserve a fallback review path when automatic confirmation needs help.
- Keep the experience usable on both embedded checkout and the hosted secure checkout continuation flow.
Ready to make benefit payments easier to finish?
See how Fisofi turns benefit top-ups and split checkout into one guided journey for Finnish boutique studios.