For marketplaces

Collect, hold and pay out, with an audit trail per order.

Buyers pay an order IBAN, funds split by rule, the seller's share is held until delivery, and payouts go out in bulk. Every movement is a ledger entry your bank and your auditors can follow.

Talk to salesHow a payment moves

Available to verified businesses only.

Example flowSample data
  1. Buyer pays the order IBANA one-time IBAN is created per order via Checkout. The buyer transfers the exact amount.
  2. SplitYour split rule routes the platform fee to your revenue wallet and the net to the seller's wallet.
  3. Held until deliveryThe seller's share sits in a hold until you release it, in full or in part.
  4. Seller payoutReleased funds are paid out by SEPA, Faster Payments or BLINC to the seller's verified account.
The job to be done

What breaks today

  • Funds flows across buyers, sellers and fees are hard to track and harder to explain to a bank.
  • Paying sellers from a single pooled account leaves no audit trail per order.
  • Chargebacks and refunds on cards eat margin on high-value orders.
What you get

Built from the products you need.

Wallet per seller

Balance, IBAN and statement for every seller.

Escrow built in

Hold, release, partial release and reverse per order.

Bulk payouts

Thousands of payouts per batch via API or CSV.

Audit trail

Every split, hold and payout is a ledger entry tied to an order reference.

Checkout

Pay by bank with a one-time IBAN per order

Marketplace

Seller wallets, splits and payouts

Shield

Screening and first-party funds protection
Typical integration

From sandbox to live in about four weeks.

Timelines depend on how quickly KYB documents are supplied and on your own build.

Week 1

Sandbox

Sandbox keys are issued on request. Build against the full API with simulated credits, returns and recalls.

Weeks 2–3

KYB and contract

Our compliance team completes KYB on your business while legal finalises the agreement.

Week 4

Go-live

Live keys are issued, your first accounts are created and our team monitors the first credits with you.

FAQ

Common questions

Who holds the funds?

Funds sit in segregated accounts with our regulated banking partner. The ledger attributes every unit to a wallet, a hold or your revenue account.

Can sellers see their own balance?

Yes. Seller wallets expose balance and history through the API, and monthly statements are generated per seller.

What happens on a refund?

Refunds debit the relevant wallet. If a seller wallet goes negative, configurable floors decide whether to block, net against future sales or invoice.

See it with your own flow.

Tell us how money moves through your platform and we will map it onto NEO Collect with you.

Talk to sales Read the docs