Manual Payout Nightmares
Your finance team spends hours every week manually calculating platform fees and wiring money to suppliers.
Engineering financial plumbing
Transactions & Payments
Complex marketplace payouts, handled securely.
We integrate advanced payment infrastructures like Stripe Connect to handle split routing, secure escrow holds, and automated vendor payouts while keeping your platform compliant.
- Integrate Stripe Connect for marketplace compliance and routing
- Hold funds securely in escrow until milestones or delivery are met
- Automate platform fee deductions and vendor payouts
Standard payment gateways can't handle multi-party transactions.
If you just use a standard Stripe or PayPal integration, all the money goes to you, and you have to manually wire it to vendors. This creates massive tax, legal, and operational nightmares.
Compliance Risks
Acting as an unlicensed money transmitter by holding funds in your own accounts instead of a proper escrow setup.
Dispute Headaches
Handling refunds manually when a buyer is unhappy with a supplier's work.
The deliverables
Secure routing and automated settlements.
We architect financial flows that protect buyers, guarantee supplier payouts, and automatically collect your platform fees.
Stripe Connect Integration
Implementing the industry standard for marketplace payments, handling complex money routing directly through Stripe's API.
Escrow & Milestone Holds
Configuring logic to authorize a buyer's card, hold the funds in a secure state, and only release them when the job is marked complete.
Split Payout Algorithms
Writing backend logic to dynamically calculate platform fees (e.g., 10% + $2) and route the exact remaining balance to the vendor.
Refund & Dispute Flows
Building tools for your admins to reverse transactions or issue partial refunds directly from your custom dashboard.
Featured Payment Build
Implementing complex B2B escrow routing.
See how we integrated Stripe Connect to handle $50k+ transactions with milestone-based payout releases.
FinTech EngineeringStripe Connect + Node.js
Complex B2B Escrow Routing
Securing massive enterprise transactions.
A B2B heavy machinery marketplace needed to facilitate $50k+ transactions. Buyers refused to pay upfront, and sellers refused to ship without a guarantee of funds.
ChallengeThe platform needed a way to hold funds securely in the middle, releasing partial payments upon shipping, and final payments upon delivery.
BuildWe integrated Stripe Connect with Destination Charges. When a buyer commits, the funds are captured and held securely by Stripe. We built a custom Node.js engine that listens for shipping and delivery webhooks to trigger the partial payouts.
ImpactThe escrow system established absolute trust on both sides, allowing the platform to successfully process over $2M in transaction volume in the first 6 months.
Frequently Asked Questions
Common questions about Marketplace Payments.
Answers covering Stripe Connect, escrow, and global payouts.
Why do we need Stripe Connect instead of standard Stripe?
Standard Stripe deposits all money into your business account. Stripe Connect routes the money directly to the vendor's connected account, separating your platform fees from their revenue. This keeps you out of regulatory trouble.
Can we hold funds in escrow?
Yes. With Stripe Connect, we can authorize a charge and place a hold on the funds. The funds sit securely in Stripe's ecosystem until your backend API tells Stripe to release them to the vendor.
Who handles the 1099 tax reporting for vendors?
If you use Stripe Connect (Custom or Express), Stripe handles the collection of W9s and automatically generates and sends 1099 tax forms to your vendors at the end of the year.
Can we charge different fees for different vendors?
Yes. Because the split logic is handled in our custom backend code before we send the request to Stripe, we can build logic to charge VIP vendors 5% and standard vendors 10%.
Do you support PayPal or crypto?
While we can integrate PayPal or crypto gateways, Stripe Connect is by far the most robust and legally compliant solution for multi-party marketplace routing. We strongly recommend starting with Stripe.
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