Split payments
Divide a single buyer payment across sellers, the platform fee, and partners at the moment of collection, not in a later reconciliation.
Industries / Marketplaces
One platform. Many moving parts.
Buyers pay, sellers deliver, and your team coordinates what happens between them. Design both sides of the money movement together.
Illustrative platform flow
Buyer / Platform / Seller
Buyer
Pays for an order
ZAPI + YOUR PLATFORM
Collect and coordinate
Connect payment activity to platform obligations.
Seller
Receives a planned payout
The platform layer
Built for two-sided money movement.
A marketplace does not just collect a payment — it routes, holds, and reconciles money across buyers, sellers, and the platform itself. Zapi keeps every side of that flow connected.
Seller verification
Onboard sellers with the identity and compliance checks your platform needs before a single payout moves.
Escrow & hold
Hold buyer funds until the seller delivers, so the platform releases money on a condition you define, not on a guess.
Dispute handling
Track chargebacks and disputes against the original order and seller, so resolution stays tied to the transaction.
Multi-party routing
Route money to the right seller, partner, or sub-merchant with the platform fee taken cleanly at the edge.
Platform reporting
See gross volume, platform fees, and seller payouts in one view, so your operations team trusts the numbers.
The platform perspective
Design for both sides of the transaction.
A marketplace answers to buyers and sellers at the same time. Plan how each side experiences the money, and how your team keeps both honest.
Buyer confidence
A clear payment moment in the buying experience, so the shopper knows what they paid for and when it will arrive.
Seller visibility
Understand what is owed and when it can move, so sellers trust the platform enough to bring their inventory.
Operator control
Relate collection, payouts, and reporting in your workflow, so the team coordinating both sides is never blind.
Built for platforms
One money-movement model, many kinds of marketplace.
From a gig app to a wholesale platform, the same collection and payout flow adapts to how your marketplace actually operates.
Gig economy
Collect from customers and route payouts to workers on the schedule your platform sets.
Digital goods
Release access or delivery the moment a buyer pays, with the seller paid on the platform's terms.
Services marketplaces
Hold payment in escrow until a service is delivered, then release it to the provider cleanly.
B2B platforms
Coordinate larger buyer payments and seller payouts with the platform fee taken at the edge.
Good to know
Marketplace payments, explained.
What platform teams ask before they put two-sided money movement on Zapi.
Yes. A single buyer payment can be divided across sellers, the platform fee, and partners at the moment of collection. Each party receives their share through the same connected flow, so there is no separate reconciliation step after the fact.
Payouts follow the schedule your platform defines — per order, on a rolling basis, or once a seller reaches a threshold. The platform keeps visibility into what is owed and what has moved, so sellers trust the timing.
Yes. Buyer funds can be held until the seller delivers the good or service, then released automatically when the condition is satisfied. This keeps both sides honest without your team manually approving each transaction.
The platform fee is taken cleanly at the edge of the transaction, before the seller's share is routed. Your team sees gross volume, fees collected, and seller payouts in one reporting view, so the numbers always reconcile.
Related products
Explore more of Zapi.
Payouts
Route money to sellers, partners, and sub-merchants on your schedule.
Payments
The payment API that collects every buyer payment on your platform.
Checkout
The hosted checkout that turns a buyer's cart into a paid order.
Customers
Keep buyer and seller profiles, balances, and history in one place.
Reporting
Track gross volume, platform fees, and seller payouts across the platform.
Invoicing
Bill a buyer or seller once with an invoice and a payment page.
Start building with Zapi
Build what moves your business forward.
One integration for payments, payouts, and virtual accounts. Start in test mode and grow from there.