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Split Payments

8 posts

Guides

The marketplace payout ledger: balances, reserves and reversals

An order is not a payout. How to model seller obligations, available and reserved balances, rolling reserves and chargeback clawbacks so month-end reconciles.

By Valeria VahorovskaRead more →
Guides

Merchant of record vs payment facilitator: which model should your platform run?

Merchant of record, payment facilitator or marketplace? Compare liability, tax, KYB and payout duties — and pick the model your platform can actually run.

By Valeria VahorovskaRead more →Three coins on a dark spotlit stage: a grey coin bearing a card inside a dashed hold ring, a grey coin bearing a clock, and a larger mint coin stamped with a padlock standing between them, each named on an angled violet slab.
Guides

How to hold funds in a marketplace: escrow vs auth-hold vs delayed capture

Escrow, authorization holds and delayed capture — how marketplaces hold buyer funds until delivery, the Stripe 90-day limit, and the truth about earning on the balance.

By Valeria VahorovskaRead more →A large white disc labelled GMV sits on a pale dotted canvas with one mint wedge lifted clear of it and annotated TAKE RATE; a small mint Fynex coin sits beside the gap, and an ink seal bearing a percentage sign is stamped onto an oversized mint circle anchoring the right of the frame.
Guides

Marketplace take rate, explained: what it is and how to set it

What marketplace take rate actually is, how to calculate it, and how to set the right number — plus the part nobody plans for: collecting it automatically at settlement.

By Valeria VahorovskaRead more →Five grey coins standing for interchangeable pay-in rails, with a single mint Fynex slab hovering above them and routing lines running down to each one.
Comparisons

Alternatives to Stripe Connect for marketplace payments (2026)

The real Stripe Connect alternatives for marketplace payments in 2026 — Adyen, Mangopay, PayPal, Rapyd, Airwallex — what each is actually good at, and where Fynex fits.

By Valeria VahorovskaRead more →Blueprint schematic of a three-item checkout becoming one £300 charge that fans out to four line-drawn payout nodes in euros and pounds, with a dashed loop returning each leg to the sale.
Guides

Multi-party payments: paying several sellers from one checkout

How multi-party payment processing works: one checkout, one payment, several sellers paid — the fan-out problem, the modelling, and where marketplace tooling breaks.

By Valeria VahorovskaRead more →Blueprint schematic of one incoming payment entering a split-rule block whose 85/10/5 lines fan out to three payees.
Guides

Split payments in a marketplace: one payment, many recipients

How marketplace split payments actually work: dividing a single customer payment across sellers, platform commission and partners — the rules, the rails, and where it breaks.

By Valeria VahorovskaRead more →A grey coin sending a single payout to one recipient beside the mint Fynex coin fanning payouts out to three.
Guides

How to split payments with Stripe Connect — and where it falls short

How to split payments with Stripe Connect using charges, transfers and application fees — the three integration models, and the honest read on where Connect runs out.

By Valeria VahorovskaRead more →
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