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FractionalPay

Mangopay alternatives

Mangopay alternative for US marketplaces that collect on Stripe

Mangopay is a European payment institution that runs marketplace payments through wallets: buyers pay in, funds sit in a wallet per seller, and you trigger transfers and payouts from there. If your buyers already pay through Stripe, FractionalPay decides how much each seller, partner and the marketplace earns from every payment, holds and reverses shares, and pays sellers from that same Stripe account, with no wallet layer in between.

Teams look at Mangopay for the escrow-style flow. The cost for a US marketplace is a second payment stack and a quote-only price.

Try the split simulator See pricing
  • Seller shares calculated from the payment, not a spreadsheet
  • Refunds reverse every share in proportion
  • Flat monthly plans, no per-transaction fee from us

Order #58204 on your Stripe account

Split by rule v2

Gross payment

$260.00 USD

  • Seller $221.00
  • Marketplace $31.20
  • Referral partner $7.80
Shares add up to the order $260.00
Two finance team members approving a payout batch together

Why teams compare

What the Mangopay wallet model does and what it costs a US marketplace

Mangopay was built for European marketplaces. Payments are collected into wallets held with Mangopay, you split and move funds between wallets through its API, and sellers withdraw to a bank account. Because the funds are held for you, Mangopay handles seller KYC and much of the regulatory work, which is a real saving for a platform that cannot or does not want to hold that risk.

The trade-off for a US business is that you adopt a separate checkout, separate seller onboarding and a second balance to reconcile. Mangopay also publishes no US price list. Its pricing page asks for a personalized plan, and the euro figures on review sites come from older European quotes, so they say little about what a US platform would pay.

If your buyers already pay on Stripe and your sellers can be paid through Stripe Connect, the split, the hold, the refund reversal and the payout can all happen on the platform account where the order was paid, with the ledger matched to Stripe balance transactions.

  • Percentage, fixed and remainder shares on every Stripe payment
  • Holds until the delivery or return window passes
  • Partial refunds that reverse each share in proportion
  • One double-entry ledger from the order to the seller payout

Ledger journal

Balanced

txn_8M2P6Q ยทSplit of order 58204 by rule v2

  • Stripe balance (your account) Dr$260.00
  • Payable to Seller Cr$221.00
  • Marketplace revenue Cr$31.20
  • Payable to Referral partner Cr$7.80

TotalDr $260.00 ยท Cr $260.00

Mangopay pricing and features

Mangopay compared with FractionalPay on Stripe

Mangopay does not publish a US price list, so its price rows say so instead of guessing. Where Mangopay does a job FractionalPay does not, the table says that too.

  • Main job

    FractionalPay
    Splitting each Stripe payment by rule, then paying the shares
    Mangopay
    Collecting, holding and paying out marketplace funds through wallets

  • Where the money sits

    FractionalPay
    Your own Stripe platform account, we never hold funds
    Mangopay
    In wallets held with Mangopay

  • Seller KYC and compliance

    FractionalPay
    Stripe Connect onboarding, we do not hold funds
    Mangopay
    Handled by Mangopay as the regulated holder

  • Pricing

    As of October 2026

    FractionalPay
    199, 499 or 1,499 USD per month, half that billed yearly
    Mangopay
    Custom plan by quote, no public US rates

  • Per-payment fees

    FractionalPay
    None from us, Stripe's Connect payout fees apply
    Mangopay
    Set by Mangopay in your quote

  • Home market

    FractionalPay
    US marketplaces on Stripe
    Mangopay
    Europe first, US coverage built out later

  • Per-payment split rules for 3+ parties

    FractionalPay
    Yes
    Mangopay
    Built through wallet transfers in your code

  • Proportional refunds across shares

    FractionalPay
    Yes
    Mangopay
    Handled by you

  • Holds and reserves

    FractionalPay
    Yes
    Mangopay
    Yes

  • Daily reconciliation against the processor

    FractionalPay
    Yes
    Mangopay
    Handled by you against Mangopay reports

  • Time to live

    FractionalPay
    Connect Stripe and write a rule, same week
    Mangopay
    Sales, onboarding and a new integration

FractionalPay never holds, pools or transmits funds and is not a payment institution. Payments land in your Stripe platform account, and we calculate the shares, keep the ledger and send payout instructions to that account. Plan limits are on the pricing page.

Fee math

What paying 300 US sellers a month costs on the Stripe side

Take a US marketplace that sells 376,000 USD a month on Stripe, keeps a 15% commission and pays 320,000 USD to 300 US sellers once a month. Mangopay quotes by plan, so no figure is shown for it. Stripe card processing is the same in both setups and left out.

  • Mangopay plan and fees

    Detail
    Quoted by Mangopay sales, not published for the US
    Amount
    Custom

  • Stripe Connect fees

    Detail
    300 active accounts at 2 USD, 0.25% of 320,000 USD, 300 payouts at 25 cents
    Amount
    $1,475.00

  • FractionalPay Growth

    Detail
    Billed yearly, 249 USD per month
    Amount
    $249.00

  • Stripe Connect plus FractionalPay

    Detail
    Per month, paid by the platform
    Amount
    $1,724.00

Ask Mangopay for a written quote that lists pay-in, transfer, payout, refund and chargeback fees for your volume, then compare it against this line. The costs a quote hides are the analyst time spent on each seller's net, the reconciliation between two balances and refunds that arrive after a seller was paid. See how payout runs are scheduled on marketplace payouts and what each Stripe fee means in Stripe Connect fees for marketplaces.

What you stop building

The split logic FractionalPay takes off your engineers

With a wallet API the transfers are yours to script. In FractionalPay these steps come built in, before any money moves.

Each feature is included from the plan shown and in every plan above it. Compare plans.

  • Split rules per order

    Starter+

    Seller percentage, marketplace commission, referral share and a remainder party, matched by product or metadata.

  • Refund and dispute reversals

    Starter+

    A partial refund reverses every share in proportion, including shares already paid out.

  • Payout schedules

    Starter+

    Daily, weekly or monthly with a minimum amount, set per seller.

  • Holds and reserves

    Growth+

    Keep a percentage back until delivery is confirmed or the return window closes.

  • Daily reconciliation

    Growth+

    Ledger matched against Stripe balance transactions, with mismatch alerts.

  • Approvals above a threshold

    Scale

    Four-eyes approval for large payouts before they leave the account.

Independent vendor packing an order in a small workshop

Honest fit

When Mangopay is the better choice

Mangopay is the stronger pick in several real cases, and a split layer on Stripe will not change that. Choose it when you need a regulated party to hold the funds, not just divide them.

  • You sell mainly in Europe and want euro wallets and SEPA payouts
  • You need escrow-style holding of funds with a regulated provider
  • You do not want to run seller onboarding through Stripe Connect
  • You are building a new marketplace and have not chosen a processor yet
  • You want one provider to handle pay-in, KYC and payout end to end

Other options

Other Mangopay alternatives US marketplaces evaluate

FractionalPay fits one shape of business: payments already collected on Stripe and split between a seller, the marketplace and sometimes a third party. These are the other names that usually sit next to Mangopay on a shortlist, with the job each one does best.

  • Stripe Connect on its own, when your split is one application fee and refunds only touch one seller (see Stripe Connect split payments)
  • Adyen for Platforms, for a full processor move with sales-led onboarding (see our Adyen for Platforms alternative page)
  • Finix, for becoming a payment facilitator and keeping the margin (see our Finix alternative page)
  • Dots, when payout methods and speed matter most and you already know each amount (see our Dots alternative page)
  • Tipalti, when payouts are part of a wider accounts payable process (see our Tipalti alternative page)

Getting started

Splitting and paying sellers from your Stripe account in four steps

You can run both while you decide. Keep Mangopay for European sellers and move US sellers as each payout cycle closes. Engineers can do each step through the payouts API.

  1. 01

    Connect Stripe

    Link the Stripe platform account where checkout already runs. Charges, refunds and disputes start mirroring automatically.

  2. 02

    Onboard sellers

    Import sellers who already have connected accounts by CSV and send the rest through Stripe's hosted onboarding.

  3. 03

    Write the split rule

    Seller percentage, your commission, any referral share and a hold until the return window closes. Test it on a real order amount.

  4. 04

    Set the payout schedule

    Weekly or monthly with a minimum amount, and every payout written to the ledger next to the orders it came from.

Related pages

More on marketplace payouts

Questions

Frequently asked questions

Something else on your mind? Write to [email protected] or read the API documentation.

What is the best alternative to Mangopay for US marketplaces?
It depends on where you collect payments. If buyers pay on Stripe and sellers are paid through Stripe Connect, a split and payout layer such as FractionalPay removes wallet transfers and the second balance. If you need a regulated party to hold funds, Mangopay or a payfac fits better.
How much does Mangopay cost?
Mangopay does not publish US pricing. Its pricing page describes a personalized plan based on volume and business model, and the euro figures on review sites come from older European quotes. Ask for a written quote that lists pay-in, transfer, payout, refund and chargeback fees before comparing it with another tool.
Is Mangopay available in the US?
Mangopay is headquartered in Europe and serves marketplaces in the US as well, but its model, currencies and onboarding were built around European payments first. Confirm USD pay-in, ACH payout and seller KYC coverage for your sellers in your quote before you commit.
Mangopay or Stripe Connect for a marketplace?
Stripe Connect is usually simpler when you already collect on Stripe, because funds stay in the account they were paid into. Mangopay holds funds in wallets and handles more compliance for you. Neither calculates multi-party split amounts for you, which is the job FractionalPay does on top of Stripe.
Can I use FractionalPay and Mangopay together?
Yes. Some teams keep Mangopay for European sellers and calculate shares, holds and refunds for Stripe-paid sellers in FractionalPay. The ledger export keeps both groups in one record for month-end reconciliation.
How fast can we test FractionalPay?
The same day. The split simulator needs no account, and after signup the sandbox runs with test keys and demo data, so you can split a copy of a real order and see the ledger and payout dates before you connect your live Stripe account.

Split one of last month's orders before you change payment providers

Enter an order amount, the seller, your commission and any referral partner in the simulator, and see the shares, ledger lines and first payout date in under a minute.

Try the split simulator See pricing

No transaction fees from us. Runs on your own payment account at a licensed operator. FractionalPay never holds your funds.