Marketplaces
Marketplace payments without the complexity
Split payments, automated commissions, multi-processor routing. One integration replaces Stripe Connect.
Stripe Connect was built for Stripe. Not for you.
High Stripe Connect fees
2.9% + 30c per transaction plus platform fees. On a $100 order, you lose $3.20 before your sellers see a cent.
Complex split logic
Multi-party splits with variable commissions, taxes, and refunds create brittle code and reconciliation nightmares.
Slow settlement to sellers
Standard T+2 settlement means sellers wait days for funds. Top sellers leave for platforms that pay faster.
One integration. Every split handled.
PerfectPay's split payments engine handles the complexity so you can focus on growing your marketplace.
Split payments engine
Define splits by percentage, fixed amount, or tiered logic. Handle multi-party transactions with any number of recipients, automatically calculating commissions and platform fees.
Smart routing for each leg
Each payment leg routes independently. The buyer's charge goes through the processor with the highest approval rate for that card type. Seller payouts go through the cheapest available rail.
Instant seller payouts
Pay sellers the same day via FedNow, RTP, or push-to-card. Faster payouts attract better sellers and reduce platform churn.
Lower blended rates
Multi-processor routing means each transaction goes to the processor offering the best rate for that card type and amount. Typical marketplaces save 15-40 basis points.
Everything a marketplace needs
From seller onboarding to real-time reconciliation, it's all built in.
Multi-party splits
Define any split structure: percentage-based, fixed-amount, tiered commissions. Handle taxes, refunds, and chargebacks automatically across all parties.
Automated KYC
Onboard sellers with built-in identity verification and compliance checks. No separate KYC vendor required.
Payout management
Scheduled or instant payouts to sellers across bank accounts, debit cards, or digital wallets. Choose the rail, or let PerfectPay pick the cheapest.
Real-time reconciliation
Every split, fee, and payout tracked to the penny. Exportable reports, webhook events, and a dashboard your finance team will actually use.
15-40bps
Savings on blended rates
< 1min
Seller payout speed
140+
Processor integrations
99.99%
Uptime SLA
Stop overpaying.
Start settling instantly.
Join the merchants, platforms, and developers switching to smarter payments infrastructure.