# Overview (/docs/guides/multi-card/multi-card-overview) 

# 💳 Multi Card Payments [#-multi-card-payments]

Multi card payments allow a single customer to split a transaction across **multiple debit or credit cards**, enabling greater flexibility and reducing checkout friction. This feature is ideal when a customer:

* Wants to divide a purchase between personal and business cards
* Has limited funds on one card and needs to combine payment sources
* Wants to split a bill between a card and another form of payment (apple, google pay)

Hands In enables this seamlessly through its hosted checkout experience and API-first implementation.

## 🚀 Why Use Multi Card Payments? [#-why-use-multi-card-payments]

Multi card payments drive conversion and reduce failed payments by giving customers more control over how they pay.

**Benefits include:**

* 💸 **Higher success rates**: Recover transactions that would fail due to insufficient funds
* 🛍️ **Larger basket sizes**: Customers can confidently commit to bigger purchases
* 👤 **Better experience**: Provide flexible payment options without increasing complexity
* 💳 **Fall-back support**: Let users retry with another card in the same flow

## 🧰 How It Works [#-how-it-works]

1. **Create** a multi card payment session via `POST /multi-card-payments`
2. Receive a **hosted checkout URL** to redirect/share with the customer
3. The customer completes the payment across multiple cards
4. Once completed, the multi card payment is reported back to your system via webhooks. Alternatively, you can poll our API for the `multi card payment session`, if your system is unable to subscribe to webhooks events.

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## 📘 What's Next? [#-whats-next]

* [**Create a multi card payment session**](/docs/guides/multi-card/multi-card-payment-sessions/create-a-multi-card-payment-session)
* [**Retrieve a multi card payment session**](/docs/guides/multi-card/multi-card-payment-sessions/retrieve-a-multi-card-payment-session)
* [**Reconcile payments for a multi card payment**](/docs/guides/multi-card/multi-card-reconcilation)
* [**Setting up multi card webhooks**](/docs/guides/multi-card/multi-card-webhooks)