Solution
Collect, split and pay
your sellers
automatically.
A pre-built embedded-finance workflow for marketplaces and platforms — onboard sellers with automated KYB, collect buyer payments, split funds at source and pay each seller, with every flow reconciled in real time.
Book a callThe challenge
What this sector deals with today.
Marketplace operators collect money from buyers and owe money to sellers — at scale, across hundreds or thousands of transactions. Without a purpose-built infrastructure, collecting at that scale means reconciling individual payments to individual orders manually, and paying out to sellers becomes a batch operation that introduces delay, error and compliance exposure.
As a marketplace grows, the gap between what has been collected and what has been paid out becomes harder to track — and harder to evidence. Regulatory and investor scrutiny of how buyer funds are held and disbursed is increasing, and a pooled account with manual reconciliation is increasingly insufficient as an answer.
Onboarding · KYB
Onboard sellers quickly. Every one checked, every one evidenced.
Every seller in your marketplace is onboarded through an automated KYB flow — sent by link, completed by the seller, with identity and business checks running in the background. Each approved seller gets their own payment account.
KYB onboarding link sent by email — sellers complete checks themselves, no manual data collection
Automated business verification — company registration, UBO screening and sanctions checks
Each approved seller issued a dedicated payment account for their net proceeds
Onboarding status visible in the portal — pending, in review, active — with full audit trail
Sellers
Seller
Type
KYB
Status
Bright Goods Ltd
Company
✓ActiveT. Kelly Trading
Sole trader
✓ActiveNordic Supply Co
Company
—In reviewEasyParts Ltd
Company
—Link sentKYB automated · onboarding link sent by email
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-in · Rule-based splits
Buyer payment collected. Platform fee and seller proceeds split at source.
When a buyer pays, the funds arrive and a pre-configured split rule fires immediately: the platform's commission is separated from the seller's net proceeds at the moment the payment clears — no pooling, no manual separation.
SEPA CT, SEPA Instant or card-acquiring — payment collected and ring-fenced per order
Split rule executes at source: platform fee to your account, net proceeds held for seller
Split percentages configurable per seller tier, product category or promotion
Every split logged with the rule version applied — defensible at transaction level
Order #ORD-2024-8841
Buyer payment received · SEPA CT
Buyer: J. Smith · Seller: Bright Goods Ltd
€280
Platform commission
→ Platform operating account
€22.40
Seller net proceeds
→ Bright Goods Ltd — seller account
€257.60
Funds split at source · zero commingling · logged
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Pay-out · Reconciliation
Pay every seller on time, with every flow reconciled.
On your chosen schedule — daily, weekly, on demand — the payout run executes outbound SEPA transfers to each seller's registered account. Every disbursement is traceable to its originating order.
Payout runs configured per programme — automatic or manually triggered from the portal
SEPA CT and SEPA Instant to each seller's registered account — per their settlement preference
Every payout reconciled to the order and the original buyer payment
Full seller statement available in the portal — exportable in standard formats
Payout run — Oct 2024
Total to pay out
€2,576.50
Bright Goods Ltd
SEPA CT · to registered account
€1,248.00
SettledT. Kelly Trading
SEPA CT · to registered account
€436.50
SettledNordic Supply Co
SEPA CT · to registered account
€892.00
ScheduledEvery payout traced to its originating order · full audit trail
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Split at source
Platform fee and seller proceeds are separated the moment the buyer pays — no pooled float, no end-of-day manual separation.
Every seller has their own account
Each seller's net proceeds are held in a dedicated account. No cross-contamination, no allocation required, every balance visible in real time.
Audit-ready from buyer to seller
Every flow — collection, split, disbursement — is logged with its compliance context. A full trail from buyer payment to seller receipt, per order.
Finished, not building blocks.
This workflow arrives pre-configured and ready to run. The IBANs, split rules, account hierarchy, onboarding flows and compliance controls are all in place — not a kit to assemble, but a finished proposition you deploy.
Seller onboarding flow built in
KYB automated — link sent, evidence logged
Buyer payment collection ready
SEPA CT, SEPA Instant and card acquiring
Split rule pre-configured
Platform fee and seller proceeds separated at source
Seller payout accounts issued
One per seller — dedicated and segregated
Payout schedule configurable
Daily, weekly or on-demand payout runs
Compliance and reconciliation live
Monitoring, audit trail and reporting active from launch
Compliance & evidence
Every marketplace capability runs under governed, audit-ready controls.
Payscape operates Control Cloud — our own governed compliance environment. We author, version-control, test and deploy every compliance rule ourselves; the configuration is never outsourced. Every account event, IBAN assignment, transfer and transaction is recorded with its compliance context — screening status, monitoring outcome and the version of the rule Payscape applied — so you can show your working to a regulator, auditor or investor at any point.
Payscape version-controls every rule — every change reviewed, approved and deployed by us
Audit trail per event — not just the transaction but the compliance decision
Safeguarding reconciled daily — client funds matched and confirmed automatically
Reporting out of the box — pre-built statements and extracts in standard formats
Customer monitoring
LiveCustomer
Screening
Risk
Acme Ltd
Clear
Jane Cooper
Clear
Sample Property Co
Review
Example Trading Ltd
Clear
Last refreshed: just now
4 customers · 1 under review
Illustrative interface. Sample data shown for demonstration — not real customers, accounts, balances or screening results.
Access
Two ways to work with Payscape.
Build on the APIs
Embed accounts, IBANs and payments directly into your own product. REST APIs, full sandbox, webhooks for every event — your users stay in your interface throughout.
Read the developer docsOperate from the portal
Run the whole programme from the Control Cloud portal — open accounts, send onboarding links, approve transfers and see consolidated balances across your entire book. No code required.
Request a demoFAQ
Common questions.
For straightforward limited companies, automated KYB typically completes in under ten minutes once the seller submits their information. Higher-risk entities or those requiring enhanced due diligence route to a manual review queue with a target same-day turnaround. Every outcome is logged with audit evidence.
Yes. Split rules are configured per seller, per product category or per transaction type — any combination of percentage and fixed-fee structures. Rules are version-controlled, so every historical split is traceable to the rule that applied at the time.
Buyer payments are ring-fenced at collection and split at source — the platform fee goes to the platform account and the seller proceeds are held separately, never co-mingled in a pooled float. Each seller's balance is visible individually. Regulatory safeguarding of client funds is handled by Payscape's licensed EMI partners.
Any schedule you configure: daily, weekly, bi-weekly, monthly or on-demand. Sellers can also be given access to request payouts within their available balance at any time, subject to your programme rules.
Open a new revenue line,
built for your industry.
Talk to our team. We'll help you understand what's possible, what it takes to go live, and how to structure a programme that works for your business.