Platform and marketplace payments

Providing seamless onboarding, acquiring, and splitting payment services in a comprehensive, all-in-one solution.

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Whatever the case - a platform or a marketplace

We offer flexible, secure, and scalable payment solutions to help you seamlessly connect with global sellers and partners while delivering a consistent and superior user experience.

Platforms

Seamlessly integrate our payment solutions into your platform, streamlining the entire process from authorization to settlement with efficiency and security. With flexible pricing, revenue-sharing options, and precise split payments, we help you maximize profits while simplifying operations through a single integration.

 

Case Examples

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Marketplaces

Simplifying the onboarding, verification, and split payments for sellers in marketplaces, our solution supports customized onboarding, flexible split payment rules, fee management, and compliance handling—helping reduce regulatory and operational costs. It ensures transparent fund flows while providing robust payment compliance protection.

 

Case Examples

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Compliant and efficient one-stop payment solutions for platforms and marketplaces

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Simplify compliance for your business

Under the EU PSD2 framework, due diligence and transaction monitoring of sub-merchants are required to meet Anti-Money Laundering compliance obligations. Our solutions helps you efficiently fulfill these compliance duties, enhance risk management capabilities, and ensure secure and compliant business operations.

Customer Due Diligence

Streamline merchant identity verification with our managed onboarding process. Effortlessly manage large volumes of merchants while ensuring regulatory compliance, allowing you to focus on your core business operations.

✓ Know Your Customer
✓ Know Your Business
✓ Identify and authenticate beneficial owners
✓ Sanctions screening
✓ Adverse media checks
✓ Ongoing monitoring

Transaction Monitoring

We offer comprehensive transaction monitoring services to help detect and prevent money laundering risks. By monitoring suspicious transactions in real-time and taking prompt action, we ensure your business maintains a secure and compliant operation.

✓ Sanctions screening
✓ Fraud detection
✓ Blacklist and whitelist management
✓ Risk scoring
✓ Suspicious transaction reporting

Customizing split payment solutions

Our tailored solutions enable seamless allocation of platform commissions and seller fees through a single API, ensuring PSD2 compliance while improving flexibility, cash flow, and risk management.

FAQ

Does a marketplace or platform need a payment license?

According to the definitions and requirements under PSD2, you are not required to hold (or be exempted from holding) a payment license if the following three conditions are simultaneously met:

    1. if you acts on behalf of only the payer or only the payee
    2. if there is an agreement proving that you are authorised by the payer or payee and that they are acting on behalf of only the payer or only the payee, and
    3. if you negotiates or concludes the sale or purchase of goods or services between the payer and the payee.

Whether a payment license is necessary depends on your specific circumstances. We recommend consulting a lawyer or discussing your case with us in detail.

Important Note: If a platform or marketplace engages in payment processing and fund settlement without the appropriate payment license, this constitutes a serious legal violation and could result in severe legal consequences.

What are the key features of the split payment function?

Our split payment functionality is typically offered as a customized solution, with key features including:

  1. Identifying the parties involved in the split payment
  2. Defining the allocation ratios: For example, by percentage or fixed fees.
  3. Determining the timing of the split: Such as after customer confirmation of receipt.

The split rules can be tailored to individual transactions or specific merchants. We provide API integration to support flexible implementation based on your business requirements.

Do sub-merchants need onboarding if I am a marketplace?

Yes, as a marketplace, your sub-merchants must complete onboarding through our KYC system. Only after successfully completing the onboarding process can they participate in transactions. With complete and accurate documentation, the onboarding process is typically completed within one business day. This ensures that all sub-merchants meet compliance requirements and helps mitigate risks.

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