Power Your Marketplace with Seamless Payments

In a marketplace, one buyer payment may belong to several parties: the seller, the platform, and sometimes a delivery or service partner. A split payment divides the funds automatically according to rules you set, such as a commission percentage or a fixed fee, instead of the platform receiving everything and paying out manually.

The design questions are about timing and risk. Do you hold funds until an order is delivered or a service is completed? What happens to the split on a refund or partial refund? Who pays when a dispute is lost? The answers depend on your business model and on the legal and regulatory structure you operate under, so involve your legal and compliance advisers early. Our payment gateway overview shows the core payment flow underneath.

Before paying a seller, you generally need to know who they are. Verification typically covers identity, business registration, beneficial ownership and bank account details, and may include sanctions screening. Requirements depend on the countries and the model involved.

A good onboarding flow balances rigor with conversion. Asking for everything on day one loses sellers, while asking for too little creates compliance exposure. Many platforms collect basic details first and request more as volume grows or risk signals appear. Keep records of what was verified and when, and plan for sellers whose details change. See Everpay's AML policy and trust center for how verification and monitoring are approached, and the restricted businesses policy for categories that need extra review.

Payouts affect seller trust. Sellers want to know when and how they are paid, in which currency, and what fees are deducted. Reliable statements and clear payout schedules reduce support tickets. Cross-border payouts add currency conversion and local banking rules, so check coverage for the countries you serve. Our guide to accepting payments internationally covers the basics.

Disputes and fraud are shared problems with one party often left holding the loss. Buyers may claim non-delivery, sellers may ship poor goods, and bad actors may use stolen cards or fake seller accounts. Decide in your terms who bears each type of loss, collect evidence such as order and tracking records, and use fraud prevention on both buyers and sellers. Liability depends on your structure and agreements, so confirm it with advisers.