Reference stack
Launch marketplace payouts
A marketplace money-movement stack covering payee onboarding, collection, ledgering, splitting, payouts, tax data and reconciliation.
MarketplacesCreator platformsGig-economy products
Intended audience and markets
Audience
MarketplacesCreator platformsGig-economy products
Markets
Global
Infrastructure layers
01
Collection and merchant payments
RequiredCollect funds from buyers or business customers.
Selection criteria
- Merchant-of-record model
- Supported payment methods
- Reserves and chargebacks
02
Payee onboarding and KYB
RequiredVerify sellers, businesses and beneficial owners.
Selection criteria
- Individual and business coverage
- Ongoing screening
- Payout eligibility controls
03
Ledger and fund allocation
RequiredTrack seller balances, fees, reserves and refunds.
Selection criteria
- Double-entry ledger
- Split-payment support
- Negative balance and reserve handling
04
Payouts and FX
RequiredPay recipients through local bank or wallet rails.
Selection criteria
- Country and currency coverage
- Recipient fees and timing
- Returns and name matching
05
Fraud and monitoring
RequiredDetect seller, account and transaction abuse.
Selection criteria
- Account takeover and mule risk
- Transaction monitoring
- Case workflow
Implementation sequence
- Collection and merchant payments
- Payee onboarding and KYB
- Ledger and fund allocation
- Payouts and FX
- Fraud and monitoring
Regulatory considerations
- Marketplace funds flows may require payment-service authorisation or a licensed platform-payments structure.
- Seller onboarding and reserve rules should match the merchant and payout model.
Technical considerations
- Separate buyer payment state, seller balance and payout state.
- Build reserve, refund and negative-balance logic before scaling.
Questions to ask providers
- Which legal entity contracts for each service and in which jurisdictions?
- Which responsibilities remain with the product operator rather than the provider?
- What are the implementation, approval, testing and migration timelines?
- How are incidents, exits, data portability and business continuity handled?
- Who is merchant of record and who owes the seller?
What this stack does not cover
- Tax calculation and local employment classification are outside this stack.
Related stacks
Reviewed on 2026-07-07.
Provider options are examples of infrastructure roles, not endorsements or a guarantee of suitability, availability or regulatory compliance. Confirm requirements for your product with each provider and qualified advisers.