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FractionalPay

Marketplace payment solution

Marketplace payments, split per order

Marketplace payments with FractionalPay work like this: the buyer pays once, and every order is divided between the seller, your commission and any delivery or service partner the moment the payment succeeds, with ledger entries and a payout date for each share.

Your checkout and your payment account stay as they are. We add the part a marketplace finance team usually rebuilds in spreadsheets every week: who earned what, what is still owed, and what changes when an order is refunded.

Try the split simulator See pricing
  • Seller, commission and partner shares on every order
  • Refunds reversed across every share, not only the seller
  • Flat monthly plan, no per-transaction fee from us

Order #48213

Balanced

Gross payment

$250.00 USD

  • Seller $200.00
  • Platform commission $37.50
  • Delivery partner $12.50
Shares add up to the payment $250.00
One buyer payment, three parties, shares that add up to the cent.

Worked example

A 250 USD order split three ways

A buyer pays 250.00 USD for an order on your marketplace. Your commission is 15 percent of the order, the delivery partner is owed a fixed 12.50 USD for the shipment, and the seller receives what is left. In the rule builder that is one percent line, one fixed line and the seller set as the remainder party.

Fixed lines are applied first, percentages are calculated on the gross amount, and the remainder party absorbs any rounding cent. The result is written once per payment and never recalculated by hand.

  • Seller

    Rule
    Remainder
    Share
    $200.00

  • Platform commission

    Rule
    15% of the order
    Share
    $37.50

  • Delivery partner

    Rule
    Fixed $12.50
    Share
    $12.50

  • Total

    Rule
    Share
    $250.00

The same order also produces a ledger transaction that balances to zero: the full 250.00 USD sits in your operator balance, 200.00 USD is payable to the seller, 12.50 USD is payable to the delivery partner and 37.50 USD is booked as platform revenue. That is the answer to "how much do we owe whom", available for every order and every seller at any date.

Change the percentages, add a second partner or switch the seller to a fixed fee in the split simulator and see the result without creating an account.

Ledger journal

Balanced

txn_7MP4K2 ยทSplit of order #48213 by rule v2

  • Operator balance (your account) Dr$250.00
  • Payable to Seller Cr$200.00
  • Platform revenue Cr$37.50
  • Payable to Delivery partner Cr$12.50

TotalDr $250.00 ยท Cr $250.00

Marketplace payment processing

Three ways to run marketplace payments

Most marketplaces start in one of two places. Engineers build split logic directly on the payment operator's transfer primitives, or finance exports the transactions and works out every seller's share in a spreadsheet. Both work at fifty orders a week. Both get harder with every new seller, partner and refund.

  • Split rules per order

    Percent, fixed, remainder, priorities

    FractionalPay
    Yes
    Raw operator primitives
    Custom code per rule
    Spreadsheets
    Formulas per export

  • Double-entry ledger

    FractionalPay
    Yes
    Raw operator primitives
    Built and maintained in house
    Spreadsheets
    No

  • Proportional refunds

    Every share reversed by its part

    FractionalPay
    Yes
    Raw operator primitives
    Custom code
    Spreadsheets
    Manual corrections

  • Seller payout schedules

    FractionalPay
    Daily, weekly or monthly with a minimum
    Raw operator primitives
    Custom scheduler
    Spreadsheets
    Manual batches

  • Holds for return windows

    FractionalPay
    Growth and Scale
    Raw operator primitives
    Custom code
    Spreadsheets
    Manual tracking

  • Daily reconciliation

    FractionalPay
    Growth and Scale
    Raw operator primitives
    Custom jobs
    Spreadsheets
    Monthly, by hand

  • Rule changes without a deploy

    FractionalPay
    Yes
    Raw operator primitives
    No
    Spreadsheets
    Yes

  • Cost model

    FractionalPay
    Flat monthly plan
    Raw operator primitives
    Engineering time plus operator fees
    Spreadsheets
    Finance hours plus payout errors

Whichever way you go, the money itself moves on your own platform account at a licensed payment operator. FractionalPay calculates the splits, keeps the ledger and sends payout instructions to that account. It never holds, pools or transmits funds and it is not a payment institution. If you already run on Stripe Connect, the Stripe Connect split payments page shows what you keep and what you stop building.

Reconciliation run

Oct 14, 2026 ยท 3 matched, 1 open

  • txn_...4KQCharge
    Operator $250.00Ledger $250.00
    Matched
  • txn_...8RDRefund
    Operator $50.00Ledger $50.00
    Matched
  • txn_...2HVPayout
    Operator $1,677.00Ledger $1,677.00
    Matched
  • txn_...9TBFee
    Operator $7.55Ledger none
    Missing

For the finance lead

Close the week without rebuilding it

The Head of Finance at a two-sided marketplace asks the same three questions every Monday. What did we collect, what do we owe each seller and partner, and does our ledger match what the operator says is in the account. FractionalPay answers the first two per order and the third with a daily reconciliation run.

Mismatches show up as a list with the operator reference and both amounts, not as a gap discovered at month end. Seller payouts follow your schedule, and the details of payout runs, thresholds and failed transfers are on the marketplace payouts page.

  • Balances per seller and partner at any date
  • Every refund and dispute mirrored from your account
  • CSV exports of the ledger and of every payout

Refunds on marketplace orders

A partial refund on the same order

The buyer returns part of the order and you refund 50.00 USD. A spreadsheet usually takes the whole amount from the seller and forgets your commission and the delivery fee. FractionalPay reverses the refund in proportion to each original share by default, or platform first if your rule says so.

A 50 USD refund on the 250 USD order, reversed proportionally

  • Seller

    Original
    $200.00
    Reversed
    -$40.00
    After refund
    $160.00

  • Platform commission

    Original
    $37.50
    Reversed
    -$7.50
    After refund
    $30.00

  • Delivery partner

    Original
    $12.50
    Reversed
    -$2.50
    After refund
    $10.00

  • Total

    Original
    $250.00
    Reversed
    -$50.00
    After refund
    $200.00

The seller carries 80 percent of the refund because they received 80 percent of the order. Your commission gives back its 15 percent and the delivery partner its 5 percent, so nobody is out of pocket for someone else's share.

If the seller was already paid, the 40.00 USD becomes a negative balance that is netted against their next payout, with ledger entries for each step. Disputes follow the same path. You can test a refund on any amount in the simulator with the refund slider.

What the plans include

Everything a marketplace payment solution needs

Start with sellers and a commission on Starter. Add holds, reconciliation and partner commissions on Growth when the marketplace grows, and multiple entities and currencies on Scale. Prices are 199, 499 and 1,499 USD per month, or 99, 249 and 749 USD per month billed yearly. Details are on pricing.

Monthly split flow limits are 100,000, 1,000,000 and 10,000,000 USD. Starter covers up to 50 beneficiaries, Growth up to 1,000 and Scale has no beneficiary limit.

  • Seller and partner rules

    Starter+

    Percent and fixed lines, product and metadata matching, priorities and a remainder party.

  • Proportional refunds

    Starter+

    Refunds and chargebacks reversed across seller, commission and partner shares.

  • Payout schedules

    Starter+

    Daily, weekly or monthly seller payouts with a minimum payout amount.

  • Holds and reserves

    Growth+

    Keep part of a seller's share back until the return window ends.

  • Reconciliation alerts

    Growth+

    Daily matching against operator balance transactions with mismatch alerts.

  • Several entities

    Scale

    Up to 10 connected accounts and currencies with a ledger per entity.

Questions

Frequently asked questions

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

Do we need a new payment processor for marketplace payments?
No. You keep your own platform account at your payment operator and connect it to FractionalPay. Buyers pay into that account exactly as today, and we read the payments, refunds and disputes from it to calculate each split.
Does FractionalPay hold seller money?
No. Funds stay in your own account at a licensed payment operator. FractionalPay calculates the splits, keeps the ledger and sends payout instructions to that account. We never hold, pool or transmit funds and we are not a payment institution.
Can one marketplace use different commissions per category?
Yes. Each rule matches on product or on a metadata key and value, with a priority. A furniture rule can take 12 percent and a services rule 20 percent, and the rule version is stored with every split so history stays readable.
How do sellers get onboarded?
Each seller is a beneficiary linked to their connected account id at your operator. You create them in the dashboard, import them from CSV or call POST /beneficiaries from your own onboarding flow. See the API docs.
Is there a fee per order or per payout?
No fee from us. You pay a flat monthly plan with a split flow limit, and your operator's own processing and payout fees stay as they are.
Can our finance team use it without engineers?
Yes. Rules, sellers, payout schedules and exports are managed in the dashboard. Engineers can use the API and webhooks later, for example to create sellers automatically.

Split your own marketplace order

Enter an order amount, a commission and a delivery fee in the simulator and see the seller share, the ledger lines and the payout date.

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.