Marketplace Split Payments

One buyer charge fans out to seller, fee, and tax, then flows to payout

Marketplace Split Payments One buyer charge fans out to seller, fee, and tax, then flows to payout Buyer · card charge · Architecture component Buyer card charge Platform Balance · settlement account · Architecture component Platform Balance settlement account Split Engine · allocate to the cent · Architecture component · must sum to total Split Engine allocate to the cent must sum to total Platform Revenue · commission · Architecture component Platform Revenue commission Tax Liability · withheld · Architecture component Tax Liability withheld Seller Sub-ledger · pending / available · Architecture component Seller Sub-ledger pending / available Payout Engine · scheduled sweep · Architecture component Payout Engine scheduled sweep Seller Bank · ACH / SEPA · Architecture component Seller Bank ACH / SEPA charge settle net share fee tax payout Legend External Backend Database

Balance planes

  • • Platform balance holds the real acquirer settlement
  • • Seller sub-ledgers are liabilities against it
  • • Split must reconcile to the captured amount

Payout safety

  • • Sweep only cleared, available balance
  • • Idempotent per seller and period
  • • Rolling reserve absorbs late refunds

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