Who we serve
Most of what you collect is not yours
Collect from buyers, pay out to sellers, reconcile everything, with licensed institutions handling the regulated middle.
The problem, honestly
Marketplace money flows are regulatorily awkward: holding other people’s money is a licensed activity, and platforms that improvise it eventually meet their acquirer’s compliance team the hard way.
The clean answer is structure: collections, safeguarded holding and split payouts run through institutions licensed for exactly that.
The money you hold mostly belongs to somebody else
A marketplace collects one payment and owes two people out of it, which makes it a very different payments problem from a shop.
The seller is owed their share, you are owed your commission, and between the customer paying and the seller being paid you are holding money that is not yours. How that is structured decides whether you are running a payments operation or an accounting liability.
The trap is doing the split after settlement, in a spreadsheet, out of one pooled balance. It works until a seller disputes a payout, a refund arrives after a payout has gone, or somebody asks you to evidence whose money was whose on a given day.
What to get right before volume makes it expensive
Every one of these is cheap to design in at the start and painful to retrofit once sellers are relying on you.
- Split at the payment, not afterwards, so commission and seller funds are separated in the flow rather than reconciled out of a pool.
- Named IBANs per seller where they need visibility, so a payout is attributable without a reference field.
- Payouts on your schedule and in the seller’s currency, because paying a seller in a currency they have to convert is a cost you have handed them.
- A refund path that works after a payout has already gone, which is the case that catches most platforms out.
- Onboarding and checks on sellers themselves, since a marketplace inherits the risk profile of who it lets in.
What you get
Buyer collections
Cards, wallets and local methods on the buy side, with conversion-tuned checkout.
Seller payouts
Bulk payouts to sellers in 40+ currencies across 170+ countries on the payments line.
Licensed structure
Funds sit with authorised institutions (not on your balance sheet) keeping your platform on the right side of the perimeter.
A licence you can check
The group includes UK institutions on the FCA register (FRNs 901072, 750503, 540997), and every service names the entity that provides it.
How matching works
Tell us your situation
Your model, markets, volumes and history. A specialist responds, typically within 24 hours.
Matched & underwritten
We match you to the right institution in the network; underwriting assesses your business on its merits.
Live in as little as 48 hours
Subject to all relevant documentation. Your specialist stays your contact after go-live.
Related: Treasury & payouts · Virtual IBAN · Safeguarding, explained
Marketplaces: your questions
Holding client money is a regulated activity: the structure keeps balances with authorised institutions, with your platform orchestrating rather than holding.
Collections are reconciled per order and settled per seller on a schedule you define, with itemised reporting for your ledger.
Yes. Payouts reach 170+ countries in 40+ currencies on the group payments network.
Check if we can help
Tell us what you need. You’ll deal with one team, with the group’s licensed institutions behind it, and get a straight answer either way.