Take from buyers, split to sellers, hold the float correctly
A marketplace is a payment hub: money in from the buyer, a cut retained, the rest out to the seller, often with a hold in between. Doing that across many buyers and sellers, reconciled and with funds held correctly, is the platform's core plumbing.
Collect, split, hold, pay out
Buyers pay for goods or services, and on cards the platform carries the fees and the chargeback risk on every transaction, which eats into a thin take rate.
The money then has to be split: the platform's commission retained, the balance paid out to the seller, often after a hold while the buyer confirms delivery.
Holding that money in between is where it gets serious: funds owed to sellers must be held correctly and reconciled, not pooled with the platform's own cash.
The payment mix that fits
Not one rail. The two to four that match how money actually moves here.
Take buyer payments over a bank link, avoiding card fees and chargebacks on each transaction.
Hold funds owed to sellers in segregated accounts and reconcile the split per transaction.
Pay sellers their balance the same day once a hold clears, referenced per seller and order.
Accept cards at checkout where buyers expect them, routed alongside bank payments.
Your flow of funds, orchestrated
Buyers pay over Pay by Bank, avoiding card fees and chargebacks, with cards available at checkout where expected. Funds are held in a segregated account, the platform's commission retained and the seller's balance held until any delivery hold clears. Sellers are then paid over Faster Payments, referenced per seller and order. Collection, split, hold and payout reconcile per transaction on one ledger.
Every book moves money differently. We map your flow of funds and quote one integration across the rails that fit.
Related
Payments for marketplaces and platforms: FAQs
Buyer funds are held in a segregated account, the platform's commission retained and the seller's balance paid out over Faster Payments, all reconciled per transaction.
By taking buyer payments over Pay by Bank, which avoids the percentage fee and chargeback risk cards carry on a thin take rate, with cards still available where buyers expect them.
Over Faster Payments, the same day once any delivery hold clears, referenced per seller and order so the seller's own records reconcile.
Tell us how you get paid
Send us the mix of payments you take and make, and we will quote one integration across the rails that fit, priced on your volume.