Prompt
building a marketplace and need split payments, seller onboarding, and payouts
Latest observation
Oct 14, 2026
OpenAI APIWeb search: off
For a marketplace, you usually want a payments platform that supports:
- Split payments / platform fees
- Seller onboarding / KYC
- Payouts to connected sellers
The most common options are:
Best fit for most marketplaces
-
Stripe Connect
Strong for split payments, onboarding, payouts, and compliance. Good docs and broad ecosystem support. -
PayPal Commerce Platform
Useful if your sellers/customers already use PayPal, but typically less flexible than Stripe for marketplace flows.
Other options
- Adyen for Platforms
Great for larger or international marketplaces, more enterprise-oriented. - Mangopay
Popular in Europe for marketplaces and wallets. - Dwolla
Good for ACH/bank transfer-focused use cases in the US.
What you should look for
- Connected accounts for sellers
- KYC/identity verification
- Application fees / commission handling
- Delayed payouts / escrow-like flows
- Refunds and chargeback support
- Multi-currency support if you’re international
Typical marketplace flow
- Buyer pays on your platform
- Payment processor routes funds
- Your platform takes a commission
- Seller’s share is held or made available
- Seller gets paid out after onboarding/KYC and timing rules
If you want, I can help you compare Stripe Connect vs PayPal vs Adyen for your specific marketplace model, or sketch the recommended payment architecture.