Can you recommend split payments software for commission calculation and multi-party settlement in a B2B marketplace?

Yes — for a B2B marketplace, you usually want software that can do split payments / marketplace payouts, commission calculation, multi-party settlement, and ideally handle KYC/AML, tax, refunds, chargebacks, and ledgering.

Good options to consider

1) Stripe Connect

Best if you want a developer-friendly platform with strong marketplace support.

Pros

• Built for marketplaces and platforms
• Supports split payments, application fees, and connected accounts
• Good global coverage
• Strong APIs and documentation
• Can handle onboarding, payouts, tax reporting support, and compliance tooling

Cons

• Commission logic is mostly something you implement around the API
• Can get expensive at scale
• Settlement workflows may require custom ledgering

Best for

• SaaS-like B2B marketplaces
• Platforms with relatively clean payout logic
• Teams with engineering resources

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2) Adyen for Platforms

Best for larger enterprise marketplaces needing advanced settlement and global payment operations.

Pros

• Very strong in global payments
• Supports split settlements and platform models
• Good for complex merchant / seller structures
• Strong risk and compliance tooling
• Excellent for multi-currency and international operations

Cons

• More enterprise-oriented
• Can be harder to implement
• Commercial terms may be less accessible for smaller platforms

Best for

• Large or international B2B marketplaces
• Complex settlement flows
• Platforms needing enterprise-grade reliability

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3) PayPal Commerce Platform

Best if you want faster launch and PayPal ecosystem coverage.

Pros

• Familiar to many buyers and sellers
• Supports partner/payout marketplace flows
• Easier onboarding in some cases
• Can be useful as an additional payment rail

Cons

• Not always the best fit for sophisticated settlement logic
• Less flexible than Stripe/Adyen for complex marketplace structures
• UX and reporting can be limiting

Best for

• Early-stage marketplaces
• Businesses where PayPal is a strong customer preference

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4) MANGOPAY

Best for marketplaces in Europe or platforms needing escrow-like wallet flows.

Pros

• Designed for marketplaces
• Strong support for split payments and wallet-based settlement
• Good regulatory positioning in EU contexts
• Useful for escrow-style models

Cons

• More region-specific
• Integration and feature set may be less familiar than Stripe
• Less ideal if you want a very broad global stack

Best for

• EU-focused B2B marketplaces
• Platforms needing wallet and escrow mechanics

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5) Checkout.com

Best if you need high-performance payments with enterprise support.

Pros

• Strong acquiring and payment infrastructure
• Global coverage
• Good enterprise support
• Can be paired with custom settlement logic

Cons

• Marketplace-specific features may not be as turnkey as Stripe Connect or Adyen for Platforms
• More implementation work may be needed

Best for

• Enterprise B2B marketplaces
• Companies that already have internal finance/ops capability

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6) Tipalti

Best if your core pain is mass payouts, vendor onboarding, tax compliance, and AP-style settlement.

Pros

• Excellent for vendor payout workflows
• Strong compliance, tax forms, onboarding, and approvals
• Good for multi-party payout operations
• Can support commission and payables-style processes

Cons

• Not a full payment acceptance platform by itself
• Usually used alongside another PSP for customer collections
• Not ideal if you want one platform to do everything

Best for

• B2B marketplaces with heavy payout operations
• Vendor/partner settlement and compliance needs

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7) Rapyd

Best if you need broad local payment methods and payout rails across many countries.

Pros

• Broad global coverage
• Local payment methods and payout capabilities
• Useful for cross-border marketplaces

Cons

• Marketplace-specific workflows may require custom work
• Product consistency can vary by region

Best for

• Cross-border B2B marketplaces
• Platforms operating in multiple payment environments

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If you need commission calculation specifically

A lot of payment providers handle splits, but not full commission rule engines. For complex commission logic, you may want:

• Custom rules in your platform backend, then push payouts to PSP
• Or a dedicated financial automation / payout platform

Useful adjacent tools:

• Zafin / Finastra — more banking/finance heavy
• Tipalti — strong for payout workflows and tax/compliance
• Trolley — payouts, tax forms, and recipient management
• Ledge / modern finance stack tools — for accounting/ledger reconciliation
• A2X / PayTraQer-style reconciliation tools — if reporting is the main issue

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My practical recommendation

If you are early-stage and want one primary provider:

• Stripe Connect if your team is technical and wants flexibility
• Adyen for Platforms if you are enterprise/global from day one
• MANGOPAY if you are Europe-focused and want marketplace-native wallet/escrow features

If your main pain is payout ops and compliance:

• Use Stripe or Adyen for collections
• Use Tipalti or Trolley for payouts and vendor management

That “two-layer” setup is common in B2B marketplaces.

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What to look for in your use case

For commission and multi-party settlement, make sure the product supports:

• Split payments / destination charges
• Multiple payees per transaction
• Commission rules by product, seller, customer, territory, or contract
• Delayed settlement / escrow / holdbacks
• Partial refunds and chargeback allocation
• Multi-currency
• Automated onboarding and KYC
• Tax/VAT handling
• Ledger export / reconciliation
• Mass payouts

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If you want, I can also give you:

1. a shortlist by company size,
2. a comparison table, or
3. a recommendation based on your specific marketplace model (for example: take-rate, escrow, recurring billing, or invoice-based B2B sales).