Payment platform for marketplaces: pay-ins by country, payouts to sellers, a ledger per seller
A marketplace collects from buyers in many countries and pays many sellers; the money moves through a licensed PSP, acquirer or EMI, and the software has to keep every seller's balance right. Tranzify gives that licensed partner, or the marketplace that holds the licence itself, the platform: pay-ins routed by country and method, payouts on local rails, a ledger per seller with fees and a reserve, and a trace per payment on both sides.
Pay-ins
One checkout and one API for every market: routing picks the methods and the providers by the buyer’s country, cascades declines and journals every attempt. Local methods matter more for marketplaces than for a single merchant, because the buyers come from everywhere: PIX in Brazil, UPI in India, iDEAL in the Netherlands, BLIK in Poland, Open Banking in the UK, cards with 3-D Secure everywhere. Each sale is recorded against the seller it belongs to from the first request.
Payouts to sellers
- Single and mass payouts through the fastest rail of each country, with the recipient’s details validated by the provider.
- Payouts per seller on request or from a file on the marketplace’s schedule.
- Limits and a reserve per seller, applied by the ledger before a payout is sent.
- Statuses and webhooks per payout, so the seller’s cabinet shows where the money is.
- Returns written back to the seller’s balance when the provider reports them, with the reason.
The ledger
Every payment credits the seller’s balance minus the marketplace’s fee and the reserve; every refund, chargeback and payout debits it. Balances are kept per seller and per currency; the reports reconcile pay-ins, fees, reserves and payouts with the providers’ statements. Finance closes the month from the platform, not from spreadsheets.
| Event | Seller’s balance | Marketplace |
|---|---|---|
| Sale confirmed | + amount − fee − reserve | + fee |
| Refund | − amount (+ fee returned by the rule) | − fee by the rule |
| Chargeback | − amount | chargeback fee by the rule |
| Reserve released | + reserve, day by day | — |
| Payout sent | − amount | — |
| Payout returned | + amount | — |
Sellers in many countries
A seller in Brazil is paid by PIX in reais, a seller in Germany by SEPA Instant in euros, a seller in India by UPI or IMPS in rupees, each from the balance in the buyer’s currency with the conversion the licensed partner applies and records; the ledger keeps the balances per currency and the reports show the conversion per payout. Sellers onboard in their language with the documents their country requires, and their cabinet, under the marketplace’s brand, shows their sales, fees, reserve and payouts.
Who runs it
The marketplace’s licensed PSP or EMI, as a network on Tranzify under its brand, or the marketplace itself when it holds the licence. Either way the sellers see the marketplace’s name, the buyers see its checkout, and the licensed party contracts and settles. Tranzify runs the software, keeps the ledger and the journal, and holds no funds; the regulatory status page explains the position.
Updated: 2026-11-08