Collect from buyers. Pay sellers. Keep your fee.
Give every seller a wallet with its own IBAN. Split incoming funds by rule, hold them until delivery, and release payouts in bulk, with an audit trail for every order.
Available to verified businesses only.
Split calculator
Sample dataMulti-party money is hard to track and harder to explain.
- Funds flowing across buyers, sellers and platform fees are hard to track in one ledger.
- Banks ask for a clear explanation of who owns what, and most platforms cannot give one.
- Manual payout runs are slow, error-prone and expensive to reconcile.
Four steps, no manual matching.
Onboard a seller
The seller passes KYB and a wallet is created with its own IBAN.
Buyer pays
The buyer pays the order IBAN (via Checkout) or the seller's IBAN.
Split
The split rule runs: platform fee to your revenue wallet, net to the seller's wallet, held or available.
Release and pay out
Release on delivery; payouts go out by SEPA, Faster Payments or BLINC.
Everything you need, nothing you have to build.
Seller wallets
Balance, history and IBAN per seller.
Split rules
Percentage, fixed or tiered fees; multiple recipients per payment.
Escrow
Hold funds per order with release, partial release and reverse.
Scheduled payouts
Daily, weekly or on-demand, with a minimum payout threshold.
Bulk payouts
Up to 5,000 payouts per batch via API or CSV upload.
Payout beneficiaries
Verified beneficiary accounts per seller; name check before first payout.
Negative balance handling
Refunds and returns debit the seller wallet with configurable floors.
Seller statements
Monthly statements per seller for their own accounting.
Try it with sample data.
Split calculator
Sample dataCreate a hold on a wallet
Idempotent POST, synchronous response, signed webhook. Full details in the API reference.
Every seller passes KYB before a wallet exists. Inbound credits to seller or order IBANs pass through Shield, and payouts only go to verified, name-checked beneficiaries.
curl https://api.neofin.tech/v1/holds \
-H "Authorization: Bearer $NEO_API_KEY" \
-H "Idempotency-Key: 9a2c4e6f-1b3d-4a5c-8e7f-6d5c4b3a2f1e" \
-H "Content-Type: application/json" \
-d '{
"wallet": "wa_2Lp9Qk",
"amount": 118000,
"currency": "EUR",
"reference": "order_55120",
"release_after": "2026-11-12T00:00:00Z"
}'{
"id": "ho_1Kq7Zr",
"object": "hold",
"status": "held",
"wallet": "wa_2Lp9Qk",
"amount": 118000,
"currency": "EUR",
"reference": "order_55120",
"release_after": "2026-11-12T00:00:00Z",
"created_at": "2026-11-05T14:02:11Z"
}{
"id": "ev_7Hx52",
"type": "hold.released",
"created_at": "2026-11-12T00:00:04Z",
"data": {
"id": "ho_1Kq7Zr",
"wallet": "wa_2Lp9Qk",
"amount": 118000,
"currency": "EUR",
"reference": "order_55120",
"released_amount": 118000,
"released_at": "2026-11-12T00:00:04Z"
}
}Questions we get about Marketplace.
Who is the account holder, me or my seller?
The platform is the contracting client and the wallets are platform-held sub-accounts. Each wallet carries the seller's verified name so payers see the right beneficiary and statements are clean for the seller.
Can I hold funds indefinitely?
Holds have a maximum duration of 90 days. Longer holds require a documented business reason and approval from our compliance team.
Do sellers need to be verified?
Yes. Every seller passes KYB before a wallet is created.
Can payouts go to non-EU/UK accounts?
Payouts are available in EUR to SEPA accounts and in GBP to UK accounts. Additional corridors are available to Institutional clients on request.
Issue your first virtual IBAN this week.
Sandbox access is immediate. Live accounts follow KYB review of your business.