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Marketplace & Platform Payments
Payments for accommodation businesses
Payments for service businesses
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Merchant financingMarketplace & Platform Payments
MakeCommerce pays out your sellers directly, so your platform never touches the money – or needs a financial licence of its own.
The moment your platform touches the money, the rules change.
The hardest thing about launching a marketplace is not the product. It is what happens between the buyer paying and the seller getting paid.
The instant your platform pools, holds, or transmits user funds – even for an hour – you are standing at the doorstep of becoming a regulated payment institution. Capital requirements. AML programmes. Supervisor relationships. Six-figure setup costs before you have shipped a single order.
There is a better path: don’t touch the money at all.
Run the marketplace. We run the money.
MakeCommerce sits between your buyers and your sellers – collecting funds, splitting payouts, and carrying the regulated infrastructure so you never have to.
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Your platform fee
Why marketplaces choose us
Built for how marketplaces actually work.
From payment collection to seller payouts, handled end-to-end.
One payment, many payouts
Split a single buyer transaction across one, ten, or fifty sellers. Each gets a separate SEPA payout, tracked and settled independently.
Automatic or manual payout creation
Use the auto-payout flag when payouts should be created after payment completion, or create payouts manually after your platform verifies the order state.
Same / next-day SEPA
After payouts are created, SEPA payouts run twice every working day. Sellers see the money fast, with your platform reference on their statement.
No financial licence needed
MakeCommerce is the regulated paying party. Your platform never holds or transmits user funds – which is what triggers PI licensing in the EU.
How it works
From transaction creation to payout creation – here is the flow.
Set up the payment
Tell us the total amount and who gets paid what. Include each seller’s name, IBAN, and their share of the transaction. We take it from there.
Buyer pays
The customer pays through the MakeCommerce checkout – bank transfer, Apple Pay, Google Pay, or card. We notify your platform the moment the payment is confirmed.
Sellers get paid
Once payment is confirmed, MakeCommerce can pay out sellers automatically – or your platform can trigger payouts when you are ready, after the order ships or the service is delivered.
Everything your payout flow needs.
From payout creation control to full API access – no missing pieces.
Payout creation control
Choose whether payouts are sent automatically when the payment lands, or hold them until your platform is ready – after the order ships, the service is delivered, or a return window closes.
Per-seller split rules
Set a different payout amount for each seller in the same transaction. Platform fee deducted automatically – straight to your account.
Refunds and cancellations
Issue full or partial refunds when needed. If you hold payouts before releasing them, you can cancel an individual seller payout before it goes out. Every payout status is visible from the moment it is created to the moment it settles.
The full Baltic checkout
Every Baltic bank payment, Apple Pay, Google Pay, Visa, Mastercard, and others – the same checkout your buyers already trust.
One integration
Build one integration into your existing stack. We provide full developer documentation and a sandbox so your team can scope, implement, and test end-to-end before going live.
Payout history and reporting
Full transaction and payout history in your MakeCommerce merchant portal. Every payout state tracked from created to settled.
Ready for your developers
Regulated, supervised, and compliant – so you don’t have to be.
Marketplace & Platform Payments runs on Maksekeskus AS – a licensed Payment Institution under the supervision of the Estonian Financial Supervision Authority (Finantsinspektsioon). Your platform inherits our regulated infrastructure. You remain responsible for AML/KYC of the sellers on your platform – we will guide you through the requirements during onboarding.
Frequently asked questions
Do we need a payment institution licence to use this?
No. With MakeCommerce as the regulated paying party, your platform does not hold or transmit user funds – which is what triggers PI licensing requirements in the EU. You operate as a marketplace facilitator. (You still have your own AML/KYC obligations on your sellers – see below.)
Who is responsible for KYC and AML on the sellers?
You are. The platform onboards and verifies its sellers. MakeCommerce KYC’s the platform itself; you KYC the sellers on your platform. We will walk through what good looks like during onboarding.
How quickly do sellers receive payouts?
Same or next working day after the payout is created, via twice-daily SEPA batches. If you use automatic payouts, MakeCommerce releases funds to sellers within around 5 minutes of the buyer’s payment being confirmed.
Can I set different payout rules per seller?
Yes. Each seller in a transaction gets their own payout amount and IBAN. You define the split per transaction – amounts can vary by order, by seller, or by any rule your platform applies.
What currencies are supported?
EUR at launch. Multi-currency is on the roadmap; we are prioritising based on customer demand. Seller payouts settle to any euro-area IBAN via SEPA.
Is there an API for payouts?
Yes – the whole flow runs through our API. We provide full developer documentation and a sandbox environment so your team can build and test end-to-end before going live. Request sandbox access.
Can we hold funds before paying out?
Yes. By default, payouts are held until your platform releases them. Create payouts when you are ready – when the order ships, when the service is delivered, or once a return window closes.
What if a seller cannot deliver?
If you hold payouts before releasing them and the payout has not gone out yet, you can cancel that seller’s payout and refund the buyer – fully or partially. Refunds settle from your MakeCommerce balance.
How do we get started?
Talk to our marketplace team. Marketplace & Platform Payments is activated under a separate agreement after we understand your model and seller onboarding flow. Get in touch here.
Get in touch
Do you have a question or want to get started?
Fill out the form and our marketplace team will be in touch. We will answer your questions, explain the options, and help you understand if Marketplace & Platform Payments fits your platform.
We facilitate the payout, so your platform never touches the money – zero financial licence needed.
