Multi-seller payouts · split payments · seller onboarding

Payments built for
multi-seller platforms.

Marketplaces don't just process payments — they collect from buyers, split funds across sellers, deduct platform fees, and reconcile it all. Paystaq handles the full money flow so you can focus on growing your seller network.

200+

Acquirers & payment methods

Real-time

Fund splitting & fee deduction

150+

Currencies supported

dashboard.paystaq.com

Live Fund Flow

Order #MKT-8821 · €269.50 total

Buyer payment received

Visa •••• 4242 · SCA passed

€269.50

Approved

Platform fee deducted

5% commission · auto-calculated

−€13.48

Platform revenue

Seller A

−€6.20 feepending

Seller B

−€4.48 feepending

Seller C

−€2.80 feepending

Full reconciliation report auto-generated · exportable CSV / API

Payouts to 1,200+ sellers processed today

THE MARKETPLACE PAYMENT PROBLEM

Six challenges that slow marketplace payment teams down

Marketplace payments are fundamentally more complex than single-merchant payments. Paystaq is built for that complexity.

Splitting payments across multiple sellers is hard to build

Every multi-vendor transaction needs funds collected from the buyer, fees deducted for the platform, and the remainder distributed to one or more sellers — in real time, reliably, with full audit trail. Building this in-house takes months.

Seller onboarding and KYC at scale

Onboarding hundreds or thousands of sellers means running KYC, verifying bank accounts, and managing compliance per seller — not just per platform. Without automation, this becomes a bottleneck that caps your growth.

Chargebacks hit the platform, not the seller

When a buyer disputes a transaction on your marketplace, the chargeback lands on the platform's merchant account — even if the underlying seller is at fault. Without seller-level risk controls, you absorb losses you didn't cause.

Cross-border seller payouts are expensive and slow

International sellers expect fast, low-cost payouts in their local currency. Routing payouts through a single global bank means high FX spreads and settlement delays — both of which damage seller satisfaction and retention.

Reconciliation across hundreds of sellers is a manual nightmare

Matching buyer payments to seller payouts, deducted fees, refunds, and chargebacks across thousands of transactions per day is error-prone when done manually. Finance teams spend days on month-end close that should take hours.

Regulatory complexity grows with scale

Collecting and distributing funds on behalf of others puts the platform in a regulated money-transmission role in many jurisdictions. PSD2 in Europe, state money transmitter licences in the US — compliance requirements stack up as you expand.

THREE-LEVEL APPROVAL ENGINE

How Paystaq protects every transaction in the flow

Three layers activate on every buyer payment — validating, scoring, and routing in under 200ms before a single cent moves.

UPQS — Pre-transaction validation

Validate every buyer payment before it enters the flow

Before any funds move, UPQS runs the buyer's transaction through 40+ quality signals — BIN health, velocity checks, device fingerprinting, and address verification. Bad transactions are stopped before they can trigger a chargeback that lands on your platform account.

BIN-level card health scoring across 100M+ records

Velocity and pattern detection per buyer and device

Pre-auth validation before funds are committed

Catches card testing and stolen card usage at the gate

Sentinel ML — Real-time fraud & risk scoring

Protect the platform from fraud that the seller created

Sentinel scores every transaction in under 50ms using patterns specific to marketplace behaviour — including seller-level risk signals. It identifies fraudulent sellers, collusion patterns, and unusual payout requests before they cost the platform money.

Sub-50ms scoring with zero checkout latency impact

Seller-level risk profiling alongside buyer scoring

Collusion and wash-trading pattern detection

Adaptive risk thresholds per seller category and market

Smart Routing — Optimised payment & payout flow

Route buyer payments and seller payouts for maximum efficiency

Smart Routing selects the optimal acquirer for each buyer payment based on BIN, geography, and real-time performance data. On the payout side, it routes seller disbursements through the most cost-effective path per destination currency and country.

Real-time acquirer selection per BIN and geography

Automatic cascading retry on soft decline

Payout routing optimised per destination country

Volume balancing and MID health monitoring

FULL CAPABILITY SET

Everything a marketplace payment stack needs

From buyer checkout to seller payout — the complete multi-party payment lifecycle in one platform.

Automated payment splitting

Define your commission rules once. Every transaction is automatically split between the platform and one or more sellers in real time — no manual intervention, no reconciliation errors.

Seller onboarding & KYC

Onboard sellers at scale with built-in identity verification, bank account validation, and compliance checks. Automate the workflow so your ops team isn't the bottleneck.

Cards & local payment methods

Buyers pay with Visa, Mastercard, Amex, Apple Pay, Google Pay, iDEAL, Sofort, SEPA, Klarna, Bancontact and more — all from a single integration, regardless of where your sellers are located.

Cross-border seller payouts

Pay sellers in 150+ currencies via local bank transfer, card payout, or e-wallet. Paystaq routes each payout through the lowest-cost path per destination, reducing FX costs and settlement time.

Automated reconciliation

Every buyer payment, platform fee, seller payout, refund, and chargeback is matched and recorded automatically. Finance teams get clean reports in minutes, not days.

Seller-level risk controls

Set chargeback thresholds, fraud rate limits, and velocity rules per seller. When a seller breaches a threshold, Paystaq can automatically hold payouts, flag for review, or suspend processing — protecting the platform account.

Multi-acquirer routing

Route buyer payments across 200+ acquirers based on BIN, geography, and real-time approval rates. Cascading retry handles soft declines automatically — buyers never see a failed payment.

Platform & seller analytics

Approval rates, payout volumes, fee revenue, and chargeback exposure — broken down by seller, category, geography, and payment method. One dashboard for the whole platform.

WHICH PRODUCT IS RIGHT FOR YOU?

Three products. One payment engine.

Every Paystaq product runs UPQS, Sentinel ML, and Smart Routing. The choice is how much of the stack you own.

Payment Bridge

Best for platforms that already have a checkout and want to add split payments

Payment Bridge connects your existing frontend to 200+ acquirers via a single API and adds Paystaq's split payment engine on top. Define your commission model, onboard sellers, and let the platform handle fund distribution — without rebuilding your checkout.

Single API connects to 200+ acquirers

Split payment rules defined per seller or category

Seller payout routing with currency conversion

Full reconciliation data via API or dashboard export

Learn more

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