Marketplace payments with sub-merchant onboarding and split payouts

Who it's for

• Online marketplaces

  Collect from buyers and pay sellers minus platform fee.

• Franchise systems

  Route location revenue to franchisee accounts automatically.

• SaaS enabling seller payments

  ISVs monetize payments inside vertical software.

Core capabilities

• Connected onboarding

  Hosted or API-driven KYC for sub-merchants.

• Split charges

  Define platform fee and seller portion on each transaction.

• Payout scheduling

  Daily or weekly seller deposits with reserve holds.

• Verification dashboard

  Track document status and capability flags per seller.

• Ledger exports

  Platform revenue and seller liability reports for accounting.

How it works

Platform payment workflows

• Marketplace sale

  Buyer pays $100; platform keeps $10; seller receives $90.

• Seller onboarding

  Upload ID and business docs; account activates in 24-48 hours.

• Reserve release

  Rolling reserve releases to seller after dispute window.

• Franchise royalty

  Automatic fee sweep to franchisor on each location sale.

Integrations

• Onboarding API

  REST endpoints for seller verification status.

• Connect webhooks

  account.updated and payout.paid events.

• Embedded onboarding UI

  White-label seller signup inside your portal.

Security

• KYC document vault

  Encrypted storage with retention policies.

• Prohibited business screening

  Automated category checks at onboarding.

• Seller capability flags

  Disable payouts until verification complete.

Implementation

• Platform review

  Describe marketplace model and seller types.

• Legal agreements

  Platform and connected account terms with sellers.

• Sandbox sellers

  Create test connected accounts for QA.

• Go-live monitoring

  Watch first seller payouts and dispute rates.

Pricing

• Platform economics

  Platform fee plus per-transaction processing. Seller rates may pass through or absorb per your model.

For businesses in the USA

A direct answer for a business in the USA: the workflow, the limit, and what to confirm next.

• The payment workflow

  A practical view covers US marketplace onboarding an eligible seller, taking a buyer payment and tracking platform fees and seller amounts. Name the verified connected-account structure and who owns each relationship. Distinguish UI embedding from actual approved fund allocation and payout capabilities. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Platform Payments does not, by itself, prove delivery or win a dispute.

• The problem and the limit

  In practice, seller verification states, capability restrictions, negative balances, refunds, disputes and reserve ownership. Use a reviewed ledger example rather than implying a simple split resolves legal liability. Name merchant-of-record responsibilities and contractual risk allocation without assigning them universally. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Platform Payments does not, by itself, prove delivery or win a dispute.

• What to confirm

  Before you rely on this, confirm US platform and seller eligibility, entity/geographic limits, currencies, banking arrangements, fee models and payout conditions. Do not transfer Canadian sub-merchant underwriting claims to the US or guarantee 24–48-hour activation. Validate any international seller or automatic split/payout claim before publication. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Platform Payments does not, by itself, prove delivery or win a dispute.