Prompt
I'm building a marketplace and need split payments, seller payouts, and onboarding. Which payment API fits?
Latest observation
Oct 15, 2026
OpenAI APIWeb search: off
For a marketplace with split payments, seller payouts, and onboarding, the best fit is usually Stripe Connect.
Why Stripe Connect
It’s built specifically for platforms/marketplaces and supports:
- Split payments / revenue sharing
- Seller onboarding with identity/KYC collection
- Payouts to sellers
- Destination charges / separate charges and transfers
- Compliance tools for handling connected accounts
Typical marketplace use cases it handles well
- Collect payment from buyer
- Take your platform fee
- Send the remainder to the seller
- Onboard sellers with verification requirements
- Pay out sellers to their bank accounts
Common alternatives
If you want options beyond Stripe:
- Adyen for Platforms — strong for larger/global platforms
- PayPal Commerce Platform — can work, but usually less flexible for marketplace architectures
- Mangopay — popular in some regions, especially EU marketplaces
- Razorpay Route — good if you’re India-focused
Recommendation
If you want the most straightforward, widely used API for a new marketplace, go with Stripe Connect.
If you want, I can also compare Stripe Connect vs Adyen vs Mangopay for your specific region and business model.