Risk level: Medium risk

Payment orchestration for marketplaces and platforms

A marketplace pays twice: it collects from buyers in many countries and pays out to thousands of sellers, and both sides must reconcile. Orchestration gives the platform's PSP cards, PIX, SPEI, Open Banking and SEPA Instant per market, cascades a declined purchase, routes payouts over the fastest rail per country and journals every movement per seller — while the licensed provider holds and settles the funds.

What goes wrong without orchestration

A buyer’s card is declined by the one acquirer behind the checkout, and the sale is lost although another acquirer or a bank transfer would have taken it.
Payouts to sellers in Brazil, Mexico and the EU run through three integrations with three file formats, and a failed payout is found a week later.
A dispute lands on the platform, and nobody can tell which seller, order and payout it belongs to.

What orchestration changes

Routing of each purchase by BIN, country and amount; cascading of a decline to the next acquirer or to PIX, SPEI, Open Banking or SEPA Instant; payouts over the fastest rail per country with a status per payout; limits per seller and a rolling reserve where the acquirer requires one; every purchase, refund, chargeback and payout journaled for five years and traceable to the seller. The platform’s PSP enables the methods from the catalogue; the licensed provider holds and settles the funds.

Payouts to sellers

Brazil: PIX to any PIX key, in seconds.
Mexico: SPEI to a CLABE account, instant.
EU: SEPA Instant to an IBAN in Germany, France, Spain, Italy, the Netherlands and Poland; Open Banking (EU, PIS) collects from buyers but does not pay out.
Everywhere cards work: payouts to Visa and Mastercard cards through the acquirer.

Typical methods

VI Visa Cards · 22 countries Available MA Mastercard Cards · 22 countries Available PI PIX Bank transfers & instant payments · 1 countries Available SP SPEI Bank transfers & instant payments · 1 countries Available OP Open Banking (EU, PIS) Open Banking · 6 countries Available SE SEPA Instant Bank transfers & instant payments · 6 countries Available

Frequently asked questions

Can payouts to sellers go through the same platform?+

Yes. The platform’s PSP or acquirer settles the funds; Tranzify routes each payout instruction to the provider over PIX, SPEI, SEPA Instant or to a card, tracks its status and journals it per seller; the licensed provider sends the money.

Who holds the licence?+

The platform’s PSP or acquirer, which also holds the seller balances. Tranzify supplies the software; it does not onboard sellers, hold funds or perform KYC.

What does medium risk mean here?+

Sellers come and go, and a few bring chargebacks; limits per seller, a rolling reserve where the acquirer asks for one and a journal per seller keep that under control.

See the platform on your own flows

Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.

✓ Not a financial institution
✓ Money never passes through us
✓ Built to PCI DSS requirements