MakeCommerce collects the payment and pays your verified sellers directly through our regulated payment infrastructure, so the funds never sit with your platform.
Everything between the buyer paying and the seller getting paid has to be built, run, and kept right – and that is where most marketplace roadmaps get stuck.
Handling customer funds can bring additional regulatory requirements, depending on your platform’s business model and payment flow. Licensing. Compliance programmes. Supervision. Payment infrastructure to build and maintain. That is a company-sized project sitting in the middle of your product plan.
There is a faster path: let a licensed payment institution run the payment flow for you.
MakeCommerce sits between your buyers and your sellers – collecting the payment, splitting the payouts, and providing the regulated payment infrastructure for the whole flow.
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Your platform fee
Marketplace & Platform Payments is designed for eligible marketplace and platform business models, where payouts go to verified business sellers. Every platform is set up after our onboarding and approval.
Fashion, second-hand, books, B2B catalogues. One basket, one payment, payouts to every verified vendor in the cart.
Events, classes, experiences. Split takings between the organiser, the venue, and the partner businesses running the event, with automatic or manual payout creation.
Cleaning, beauty, repairs, maintenance. The customer pays the platform; the verified service business gets paid directly.
Equipment hire, vehicle rental, holiday lets. Create the payout on return, refund the difference if needed.
Group buying, supplier networks, distributor portals. One buyer payment, settled out to every supplying business in the order.
Distribute entry fees, sponsorships, and merch revenue across clubs, chapters, or charities – without a treasury spreadsheet in sight.
Recipients must be eligible verified business entities, with a payout account in the country your platform is approved for.
Why marketplaces choose us
From payment collection to seller payouts, handled end-to-end.
Split a single buyer transaction across one, ten, or fifty sellers. Each verified seller gets a separate SEPA payout, tracked and settled independently.
Use the auto-payout flag when payouts should be created after payment completion, or create payouts manually after your platform verifies the order state.
After payouts are created, SEPA payouts run twice every working day. Sellers see the money fast, with your platform reference on their statement.
Within this payment flow, MakeCommerce handles the payment and the payout as a licensed payment institution, and your platform does not receive or hold the funds itself.
Marketplace & Platform Payments works because each side owns a clear part of the flow.
Payouts are made to eligible verified business recipients, to a bank account in the country your platform is set up for.
From transaction creation to payout creation – here is the flow.
Tell us the total amount and who gets paid what. Each seller you have onboarded and verified comes with their name, payout account, and share of the transaction. From there, we run the payment flow.
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.
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.
From payout creation control to full API access – no missing pieces.
Choose whether payouts are sent automatically when the payment lands, or delay creating them until your platform is ready – after the order ships, the service is delivered, or a return window closes.
Set a different payout amount for each seller in the same transaction. Platform fee deducted automatically – straight to your account.
Issue full or partial refunds when needed. If a payout has not been initiated yet, 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.
Every Baltic bank payment, Apple Pay, Google Pay, Visa, Mastercard, and others – the same checkout your buyers already trust.
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.
Full transaction and payout history in your MakeCommerce merchant portal. Every payout state tracked from created to settled.
Pricing
A fixed platform fee, known up front, plus a transaction fee sized to how your platform actually processes payments.
Plus a fee per transaction, agreed individually based on your platform and volumes.
Tell us about your volumes and how your platform works, and we will prepare an offer.
Regulated and supervised payment infrastructure for your platform.
The payment service is provided by Maksekeskus AS, a licensed Payment Institution supervised by the Estonian Financial Supervision Authority (Finantsinspektsioon). Your platform remains responsible for onboarding, verifying, and monitoring the sellers it pays.
MakeCommerce provides the payment service as a licensed payment institution: we collect the buyer’s payment and make the payouts, and your platform does not receive or hold the funds in this flow. Whether any other regulatory requirements apply to your platform depends on its own business model and activities. Your platform also keeps its own KYC and AML responsibilities towards its sellers – see below.
You are. Your platform onboards its sellers, verifies their identity and eligibility, and confirms that the payout account belongs to the verified seller. You keep that information current for as long as you pay them, and provide supporting information or documents to MakeCommerce when we ask for them. MakeCommerce performs KYC on the platform itself. We will walk through what good looks like during onboarding.
Eligible business entities that your platform has onboarded and verified. The payout account must belong to that verified seller and be a local bank account in the country your platform is approved for. We confirm the recipient setup with you during onboarding.
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.
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.
EUR at launch. Multi-currency is on the roadmap; we are prioritising based on customer demand. Payouts are made via SEPA to eligible local bank accounts in the country your platform is approved for: an Estonian project pays Estonian accounts, a Latvian project pays Latvian accounts.
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.
Yes. By default, a payout is not created until your platform triggers it. Create payouts when you are ready – when the order ships, when the service is delivered, or once a return window closes.
If a payout has not been initiated yet, you can cancel that seller’s payout and refund the buyer – fully or partially. Refunds settle from your MakeCommerce balance.
Talk to our marketplace team. Marketplace & Platform Payments is activated under a separate agreement, subject to MakeCommerce’s assessment and approval, after we understand your model and seller onboarding flow. Get in touch here.
Get in touch
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.
One monthly fee, plus a fee per transaction.
Bank payments
Card payments
Apple Pay / Google Pay
POS terminals
Buy Now, Pay Later
Shipping+ and Shipping+ Pro
Click to pay
Refunds
Recurring payments
Payment link
Donations
Kniks gift card
Merchant financing
Payments for accommodation businesses
Payments for service businesses
