For Marketplaces

Marketplace & Seller Payouts

Per-merchant subdomains, MDR-aware splits, daily seller payouts, and an FDS layer that survives flash sales — all on one platform.

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Persona we built this for

Vertical marketplace · 8k active merchants · IDR 2T GMV/year

Each merchant wants their own branded storefront. Each rail has its own MDR. Buyer fraud patterns spike during flash sales. Sellers care about payout cadence more than any other metric. Straventa runs the marketplace surface, splits MDR per merchant per rail, holds disbursement on transactions that picked up an AML flag, and keeps the FDS engine warm during traffic spikes.

How this is built to behave

Seller payouts

On schedule

splits are computed at settlement against the bank file, so a payout date does not move because a reconciliation is late

Flash-sale load

Load-tested

we size and test the payment leg against your projected peak before the sale, and hand you the results

MDR handling

Per merchant

the split is deducted per merchant against the bank settlement file rather than estimated from a blended rate

These are product properties and design targets, not measured customer results. Where a figure is a target it says so. We will run the numbers against your own traffic before you commit to anything.

Pains we take off your desk

The four things your team is losing sleep over

Per-merchant branding at scale

Subdomain plus storefront plus checkout that look like the merchant's brand, not yours.

MDR splits per rail per merchant

Cards, QRIS, virtual accounts, e-wallets — each with a different MDR and a different settlement timing. Splits have to be exact, not approximate.

Fraud during flash sales

Seven-figure sales events break naïve velocity rules. We tune typologies for sale-window context.

Payout reconciliation is the seller-NPS lever

Sellers leave when payouts are late or wrong. We reconcile down to the cent and disburse on schedule.

Modules wired up

What runs in production for marketplace & seller payouts

Marketplace

Per-merchant subdomain + storefront + checkout surface

Payment Gateway

All rails, MDR-aware splits, idempotent on retries

Fraud Detection

Velocity + device + BIN scoring tuned for sale windows

Reconciliation

MDR-aware payout calc + AML-aware disbursement holds

Typical rollout

From kick-off to production

Week 1–2

First merchants onboarded

First 10 marquee merchants complete KYB and are attached to the gateway with their own split and payout terms.

Week 3–5

Cut over checkout

Payment Gateway behind the existing checkout; FDS shadow then primary.

Week 6

Payout cutover

Reconciliation runs nightly — first daily payouts go out on schedule.

Why this works for marketplace & seller payouts

Per-seller settlement entity with its own MDR, payout schedule, and reconciled ledger position

Sale-window context as a first-class feature in the FDS rule engine

Daily seller payouts even on weekends, with audit trail attached

Ready to deploy this for your marketplace & seller payouts stack?

Bring your rails, controls, and deployment constraints. We will show where the platform fits and where it does not.

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