Why You Can’t Split a Single Payment Between Multiple Credit Cards in X-1FBO
X-1FBO makes payment management simple, but one thing it doesn’t allow is splitting a single total amount between multiple credit cards — for example, charging half to one card and half to another.
However, you can separate specific items (like Jet A fuel, a hangar fee, or catering) into different invoices and charge each one individually. What you can’t do is divide one combined total into multiple card payments.
Modern Payments Work Differently
Older payment systems sent only a total amount to the processor — one big number with no detail. That made it possible to split a total and run multiple authorizations.
X-1FBO uses Level 3 credit card processing, which works differently. It sends detailed, line-item data for every transaction, including:
The specific products or services sold
Quantities, unit prices, and taxes
Aircraft or tail number details
Ticket and transaction identifiers
This detailed data improves transparency, accuracy, and security — and helps you qualify for lower processing rates. But it also means each payment record must stay intact from start to finish.
Why We Can’t “Split the Total”
Once a transaction with line-item data is submitted, that entire record is tied to a single authorization. Splitting the total would break that link and cause several issues:
Line-item mismatches – The processor expects each line item to match one payment. If you divide the total 50/50, it’s unclear which items (and taxes) belong to which card.
Tax accuracy – Aviation transactions often include multiple types of taxes. Some processors even re-calculate them to verify a transaction. Splitting a payment mid-process can make those calculations fail or produce incorrect totals.
Rounding and validation errors – Certain aviation processors use specific rounding rules. Dividing totals between cards can introduce small differences that cause reconciliation or reporting errors.
Compliance and reporting – Corporate and government cards require each payment to align with its line-item data. Splitting totals would break that link and create audit or reporting issues.
The Right Way to Handle Split Payments
If a customer wants to use multiple cards, the best solution is to split the line items before payment.
For example:
Put fuel on one invoice and ramp or hangar fees on another.
Process each invoice separately using the desired card.
This keeps every transaction clean, traceable, and compliant — while still offering flexibility to your customers.
Summary
X-1FBO is built for modern, data-rich payment processing.
✅ You can split line items into separate invoices.
🚫 You can’t split one total 50/50 across multiple cards.
By keeping each transaction tied to its full set of line-item details, X-1FBO ensures accurate tax reporting, lower processing costs, and full compliance with aviation card standards.