How payment orchestration drives higher approval ratios
Cascading across multiple acquirers and using rule-driven retries can lift approval ratios materially. What works, what does not, and how to measure it.
Read postBuild and run marketplaces with split payouts and group settlement
A marketplace is many merchants behind one checkout. Coriunder onboards your sellers, splits each payment at capture between the seller and the platform, calculates the fees on every order and prepares the seller payouts, all under your brand.
NP
Nova Prints
LiveNew seller · NL · EUR
KYB · registry + UBOPassed
Rules score 84Approved
Ready to sellSame day
Marketplace viewToday
Orders split
128
Active sellers
14 on fees-only billing
checkout.yourmarket.comCaptured
Order #48213 · one payment
Buyer M. Rossi · Visa •• 4242
LU
Walnut desk lamp
€89.00Lumen Crafts
AC
Oak wall shelf
€120.00Acme Outdoor
NW
Two paperbacks
€31.00Northwind Books
Buyer pays once
€240.00
Split at
capture
capture
Settle by
LU
Lumen Crafts
€80.10Fee €8.90 · seller statementWalnut desk lamp · fee €8.90
AC
Acme Outdoor
€102.60Fee €12.00 · Wall shelf · fee €12.00 · reserve €5.40
NW
Northwind Books
€27.90Fee €3.10 · seller statementTwo paperbacks · fee €3.10
YM
Platform fee
Your brand · 10% per order
€24.00
Your margin
Group settlement · weekly run
Prepared128 sellers · own statements
Margins and fees calculated, reserves held
PCI DSS Level 1EU-hosted100+ modulesAll under your brand
Many sellers, one platform, one set of books
Every seller is a merchant on the platform with its own configuration, statement and payout. Your marketplace sees them as one group, settles them as one group and earns its margin on every order.
Per seller
Fees, payment methods and payouts
At capture
Payments split between seller and platform
500+
Integrations
700+
Payment methods
What it does
From seller sign-up to seller payout
The same modules that run a payment service provider run a marketplace: onboarding, processing, fees, settlement and payouts, with the seller as the merchant and your platform as the operator.
01Onboard
Sellers onboarded and selling quickly
Each seller signs up as a sub-merchant through your branded application form. The Onboarding Rules Engine scores the application, runs KYB through the providers you connect and approves, declines or sends it to review, so a seller can start selling soon after finishing the application.
1Seller applies on your branded form
LU
Lumen Crafts
SubmittedHandmade goods · DE · EUR
2Rules engine scores and runs KYB
KYB · registry + UBOPassed
ORE score 84Approved
3Seller starts selling
First order €64.00
LiveLumen Crafts · same day as approval
02Collect
Split payments at capture
The buyer pays once. At capture the payment is split between the seller and the platform, and each party's share settles on its own statement. Payment methods can be enabled per seller, per country and per currency, and the cashier in each checkout carries your marketplace's brand.
1Buyer pays once
Order #48213
€120.00
2Split at capture
LUSeller · Lumen€108.00
MPPlatform€12.00
03Earn
Fees and margins on every order
For each order the system calculates the buy rate, the sell rate and any affiliate fees, so you can track orders and margins seller by seller. Rates are configured per seller and per MID, and affiliate commissions settle through the partner program.
1Rates per seller and MID
1.4%Buy rate
2.9%Sell rate
0.3%Affiliate
2Margin on every order
#48213 · Lumen€120.00+€1.44
#48214 · Acme€540.00+€6.48
04Settle and pay out
Seller payouts and group settlement
Settlement runs for the whole marketplace as a group. The Payout Management System calculates your margins and each seller's fees, holds any reserve your risk policy sets, and prepares the payment order for processing, so each seller receives a payout and a statement that explains it.
Settlement runs in one of two modes, chosen per marketplace and applied to all of its underlying merchants. All fees apply in both.
- By sub-merchant · each seller's share of all their orders is added up, and the seller is settled as one sub-merchant on its own statement, with its fees, reserve and payout.
- By cart item · each line in the buyer's cart is settled on its own to the seller who sold it, so a single order with items from three sellers produces three separate settlements, each with its own fee.
1Pick the modePer marketplace
By sub-merchantOne statement per seller
By cart itemEach cart line settled
2One order · 4 items · €285.00All fees apply
By sub-merchant · 3
Lumen Crafts€134.00
Acme Outdoor€120.00
Northwind€31.00
By cart item · 4
Desk lamp€89.00
Vase€45.00
Wall shelf€120.00
Paperbacks€31.00
3Group settlement · payment order
Payouts · 3 sellers
€33,714
05Self-serve
A back office for every seller
Each seller gets the Merchant Control Panel, fully branded as your marketplace, with the information and tools they need to run their business: their transactions, refunds, statements and payouts, and limited sub-users for their own staff.
1Seller logs in to your branded panel
sellers.yourmarket.com
TransactionsRefundsPayouts
2Adds staff with limited access
AKSupport agentRefunds only
JSAccountantStatements
06Integrate
Inventory and buyers through the API
Sellers create their products through the API or in the Merchant Control Panel, and your marketplace pulls those products into its catalogue. Buyers are created and managed through the Customer API and the customer management tools, so sellers and buyers live on the same platform.
1Seller creates a productAPI or panel
POST /products201
Walnut desk lamp€89.00Stock 40
2Your catalogue pulls it in
LampLumen · €89
DeskAcme · €340
ShelfAcme · €120
3Buyers live on the same platform
MR
cus_8Kd2 · M. Rossi
ActiveCustomer API · 3 orders · 2 sellers
With 500+ integrations and 700+ payment methods, accept payments globally.
How it works
How a marketplace order flows
1
Onboard
The seller applies, the Onboarding Rules Engine scores the application and KYB runs through your connected providers.
2
Sell
The buyer pays in your branded checkout with the payment methods enabled for that seller.
3
Split
At capture the payment is split, and buy rate, sell rate and affiliate fees are calculated on the order.
4
Pay out
Group settlement runs, and the Payout Management System prepares each seller's payment order.
In the box
What the marketplace operator gets: seller KYB, split settlement, group settlement, fees-only billing, rolling reserve and a marketplace view in the admin.
100+ Modules for you to build your offering
Crypto wallets
Prepaid Cards
Onboarding Rules
Application Forms
Smart routing
Risk Rules
Fraud Monitoring
KYC/KYB
Affiliate Fees
Settlements
300+ Connectors
BAAS providers
7 Issuers
Dashboards
Reports
Balance Management
Payment Pages
Landing Pages
Portals
300+ APIs
OMS
CRM
Emails
Monitoring
Pricing
Simple, scalable pricing.
Professional
$1,000
per month minimum
$5,000 setup
Unlimited
$2,000
per month minimum
$5,000 setup
Frequently asked questions
-
Do you manage seller onboarding?
Yes. The Onboarding Rules Engine scores each seller's application and runs KYB through the providers you connect, so sellers can start selling soon after they finish the application.
-
Do you manage buyer onboarding?
Yes. The Customer API and the customer management tools let you create and manage buyers on the platform.
-
How do split payments work?
Payments are split at capture between the seller and the platform, and each party's share settles on its own statement.
-
Can we settle per seller or per cart item?
Both. Settlement runs by sub-merchant, where each seller's orders are combined on one statement, or by cart item, where each line in the cart is settled separately to the seller who sold it. The mode is set per marketplace and applies to all of its underlying merchants, and all fees apply in both modes.
-
Do you calculate my fees for each order?
Yes. For each order the system calculates the buy rate, the sell rate and any affiliate fees, so you can track orders and margins.
-
Can I pay out sellers from the platform?
Yes. The Payout Management System calculates your margins and the seller fees, then prepares the payment order for processing.
-
Do you offer a back office for sellers?
Yes. A fully branded Merchant Control Panel gives sellers the information and tools they need to run their business.
-
Can sellers manage their inventory on the platform?
Yes. Sellers create products through the API or in the Merchant Control Panel, and you can pull those products into your marketplace.
-
How is the platform priced?
Marketplaces run on the same plans as every other Coriunder platform. See the pricing page for the current plans.
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Read postRun your marketplace on Coriunder.
We will walk through your seller onboarding, your fee model and your payout cycle with you. EU-hosted, PCI DSS Level 1.
