The short version
If you're the only person in your agency, set your own split to 100%. Your host takes its share before the money reaches your agency, so you don't take it out again.
The three splits
Host split: what your host pays your agency, for example 90%. Your host sets it, and some hosts lock it.
Your split: what your agency pays you. For an agency of one, 100%. You set it.
Agent splits: only if you have agents. Their share of what your agency receives. You set them.
How the money moves
The supplier pays your host $1,000. Your host keeps 10% and pays your agency $900. Your split is 100%, so you keep $900.
If you set your split to 90% by mistake, Tern takes 10% off twice and shows $810.
Set your split
Go to Back Office → Settings → Commission Rules → Default Commission Split.
Set it to 100% and save.
New splits apply to bookings going forward. To fix older bookings, see "When You Change Your Commission Split" in Managing Commission When Your Agency Works Under a Host Agency.
Prefer to keep the money in your agency? Some solo owners set their split to 0% and take withdrawals from the agency instead. That works too. Your agency still receives the full amount, but the "Commission received" tile on your dashboard will show $0. See How to configure your agency if you get commission statements from your host agency.
Check your host split
Go to Back Office → Settings → Team & billing, find your host, and open Host commission split. If you can't edit it, your host manages it for you. Contact your host to change it.
On each booking
Expected commission: the full amount the supplier pays your host.
Split: your split (100% if it's just you).
Received commission: only what your host actually paid your agency.
Your expected commission will look higher than what you receive. That's normal.
Troubleshooting
"Custom split is not allowed" when you submit a booking: your agency doesn't allow custom amounts and has no standard split. You're your agency's admin, so set a Default Commission Split (see above), or turn on Allow agents to request a custom commission amount in Back Office → Settings → Commission Rules.
An error on a booking under your host's credential: some hosts don't allow the Custom commission type. Pick one of your host's standard types, or Personal Travel for your own trips.
Your commission looks 10% short: your split is probably set to 90%. Change it to 100%.
Your dashboard shows $0 commission received: your split is probably set to 0%. That's fine if you want the agency to keep the money; set it to 100% if you want the tile to show your earnings.
Your host may differ
If your host gave you its own split instructions, follow those. TPI advisors: see Commission Split Set Up for TPI Advisors.