Marketplaces

Collect, split and track financial flows between buyers, sellers, providers or partners.

In brief

A marketplace runs a chain of flows: the buyer pays, the platform takes a commission, the seller receives a payout. Collecting funds on behalf of third parties is regulated. Tractial provides the collection, splitting and tracking infrastructure.

A marketplace doesn’t handle a payment, it handles a chain of flows: the buyer pays, the platform takes its commission, the seller receives a payout. Collecting funds on behalf of third parties is a regulated activity. Tractial provides this infrastructure so the marketplace can focus on its market.

How money moves on a marketplace

  1. Buyer

    Pays for the basket on the platform.

  2. Payment account

    Funds flow through licensed infrastructure, not the marketplace’s own account.

    See the page
  3. Commission

    The platform share is isolated or calculated according to the model.

  4. Seller payout

    The previously verified seller receives their payment.

    See the page

Teaching diagram. How funds are legally characterised depends on the project and the contract.

What it changes in practice

  • Third-party collection

    Funds flow through a licensed infrastructure, not through the platform’s own account.

    See the page

  • Commissions and payouts

    Flow splitting according to the marketplace’s model, with statuses and traceability.

  • Seller onboarding

    KYB verification of sellers and partners within the sign-up journey.

    See the page

Typical journey

  1. A buyer pays on the platform.
  2. Funds are collected in a structured, traceable environment.
  3. The commission is isolated or calculated according to the model.
  4. The previously verified seller receives their payout.
  5. The platform has full operational reporting.

What gets connected

Seller onboarding (KYB), operation statuses and reporting are assessed during scoping. This page does not use “escrow” or “ring-fencing” as legal labels: how funds are characterised is defined project by project.

  • Collection on behalf of third parties
  • Commission / payout splitting
  • Seller KYB in the sign-up journey
  • Operational reporting

FAQ

Can a marketplace collect sellers’ funds directly?

Collecting funds on behalf of third parties is a regulated activity that in principle requires an appropriate framework (licence, exemption or partnership with a licensed institution). Tractial analyses each platform’s model.

How are multi-seller baskets handled?

Splitting flows between several beneficiaries is assessed during project scoping, according to the model and operational constraints.

Can foreign sellers be verified?

Verification journeys depend on the countries involved and the applicable framework; the scope is defined project by project.

Related pages