Embed payments into your platform revenue model

Who this solution is for

• Vertical SaaS

  Software for a trade or industry where the customer already takes payments through someone else, and the payment is the missing part of the workflow.

• Marketplaces

  A buyer pays and a seller gets paid, which makes onboarding and payout scheduling part of the product rather than part of the plumbing.

• Platform finance owners

  Whoever reports platform revenue separately from seller liability needs that split to exist in the ledger, not in a spreadsheet.

Common challenges

• Onboarding is the product

  Sub-merchant verification is the first thing a seller experiences. Built badly, it becomes the reason they never activate.

• Splitting after the fact

  Calculating the platform fee after settlement means reconciling two records that were never designed to match. Splitting at capture removes the problem instead of managing it.

• Payout timing and reserves

  Sellers ask when they get paid before they ask anything else, and the answer comes from schedule and reserve policy rather than from the payment itself.

The RapidCents approach

Recommended capabilities

• Connected onboarding

  Hosted KYC or an onboarding API for sub-merchants, with document status and capability flags visible per seller.

• Split charges

  Platform fee and seller portion defined per transaction and applied when the payment is captured.

• Payout scheduling

  Daily or weekly seller deposits, with reserve holds where the risk profile calls for them.

• Embedded UI components

  Card fields and payment widgets mounted inside your application with your own CSS, which keeps checkout in your product and raw card data off your servers.

• Ledger exports

  Platform revenue and seller liability as separate reports, which is the first thing an accountant asks for.

Implementation approach

• Model review

  Business model, flow of funds and responsibility are reviewed before an account is issued. Platform accounts are underwritten on the model, not only on volume.

• Sandbox build

  Onboarding, split capture, payout and webhook handling implemented against test credentials.

• Certification

  The flows you intend to run are tested end to end before production keys are issued.

• Cohort launch

  A first group of sellers goes live, and payouts and ledger exports are verified against real settlement before the rest follow.

What does not change

• Your product interface

  Embedded components carry your styling and emit events your application handles. Checkout stays inside your product.

• Your sellers’ relationship with you

  Sub-merchants are onboarded under your platform. Verification requirements come from the networks and the regulator, not from a change in who they deal with.

• Your accounting structure

  Platform revenue and seller liability export into the ledger you already run.

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

  Distinguish a U.S. Software vendor accepting its own revenue from a platform onboarding and paying other merchants. In practice, the business-model review before product selection. 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. Software platforms does not, by itself, prove delivery or win a dispute.

• The problem and the limit

  The practical view covers approved flow of funds, seller verification, platform fees and responsibility for disputes. Do not imply payment-facilitator status or money-movement authority from an API feature. 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. Software platforms does not, by itself, prove delivery or win a dispute.

• What to confirm

  In practice, a limited seller-cohort launch with reconciliation and support acceptance. State split-payment and payout claims only after product and legal review. 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. Software platforms does not, by itself, prove delivery or win a dispute.