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FractionalPay

Marketplace payouts

Marketplace payouts that run themselves

Marketplace payouts in FractionalPay run on the schedule you set: every Friday, each seller's available balance above the minimum goes out through your own payment account, minus holds and open refunds, with a ledger entry for every step.

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  • Weekly, daily or monthly runs with a minimum per seller
  • Holds released when the return window ends
  • Negative balances netted against the next payout

Seller payouts

October 2026

Mon
Tue
Wed
Thu
Fri
Sat
Sun

1

2

$15.9k

3

4

5

6

7

8

9

$16.7k

10

11

12

13

14

15

16

$18.4k

$2.3k

17

18

19

20

21

22

23

$17.1k

24

25

26

27

28

29

30

$17.4k

31

  • Oct 2 · Sellers (136) $15,880.40Paid
  • Oct 9 · Sellers (139) $16,742.15Paid
  • Oct 16 · Sellers (142) $18,420.00Scheduled
  • Oct 16 · Return window holds $2,310.00Held
  • Oct 23 · Sellers (142) $17,060.50Scheduled
  • Oct 30 · Sellers (144) $17,395.25Scheduled
Paid, scheduled and held seller payouts for the month.

The weekly payout run

What happens between Monday and Friday

Every order already carries its split, so a payout run is not a calculation exercise. It is a sweep of balances that are due. Here is what FractionalPay does for a weekly schedule that pays sellers on Friday.

  1. 01

    Shares become available

    Each seller share starts as pending, moves to held if a hold applies, and becomes available on its availability date.

  2. 02

    Holds are released

    Held amounts whose return window has passed move to available and fire hold.released.

  3. 03

    Balances are netted

    Refunds and negative balances are subtracted. Sellers below the minimum payout roll over to the next run.

  4. 04

    Instructions are sent

    Payouts are created on your connected account, marked scheduled, then paid or failed as the operator reports back.

Friday run, Oct 16

Seller

Seller 0417

Scheduled

$1,677.00

Net of hold and refund

Goes out Oct 16

Seller

Seller 0388

Pending

$42.80

Below $50.00 minimum

Rolls over to Oct 23

Seller

Seller 0291

Held

$640.00

10% held for 14 days

Released Oct 28

One seller, one week

How a seller payout is put together

Seller 0417 sold goods worth 2,300.00 USD this week, and after the 20 percent platform commission their share was 1,840.00 USD. The marketplace holds 10 percent of each seller share for 14 days to cover returns. Two weeks of hold expire today, one order was refunded, and last week a late chargeback left the seller 35.00 USD in the negative.

  • Seller share of this week's orders

    Source
    Split rule v4
    Amount
    $1,840.00

  • Hold, 10% for 14 days

    Source
    Reserve for Seller
    Amount
    -$184.00

  • Hold released from two weeks ago

    Source
    hold.released
    Amount
    $152.00

  • Refund, seller part

    Source
    split.reversed
    Amount
    -$96.00

  • Negative balance from last week

    Source
    Carried forward
    Amount
    -$35.00

  • Payout

    Source
    Amount
    $1,677.00

Every line in that table is a ledger transaction you can open, and the payout itself is one more. The seller's statement shows the same lines, so a support question about "why did I get less this week" is answered by a link, not a spreadsheet.

The money for this payout is already in your own platform account at your payment operator. FractionalPay works out the amount and sends the instruction; it never holds, pools or transmits funds and is not a payment institution.

Ledger journal

Balanced

txn_PO5R1V ·Payout to Seller 0417, Oct 16

  • Payable to Seller Dr$1,677.00
  • Operator balance (your account) Cr$1,677.00

TotalDr $1,677.00 · Cr $1,677.00

Failed payouts

When a payout bounces

Bank details change, accounts get closed, and a small share of payouts in any marketplace come back. In FractionalPay a failed payout is marked failed with the reason your operator returned, a payout.failed event is sent to your endpoint, and the amount stays owed to the seller in the ledger. Nothing silently disappears.

Once the seller fixes their connected account, you retry the payout from the payouts board, or leave it and the balance joins the next scheduled run. Your support team sees the same status the seller asks about.

Refunds that arrive after a payout work the other way: the reversal becomes a negative balance and is subtracted from the next payout. Sellers are never paid twice for the same order, and you never have to chase an invoice for a refund that was already settled.

  • Payout statuses scheduled, held, sent, paid and failed
  • Signed webhooks for every status change
  • Payout history per seller with CSV export

Webhook delivery · payout.failed

200 delivered

POST https://api.yourplatform.com/hooks/fractionalpay

FractionalPay-Signature: t=1760534400,v1=5257a869e7ec...

{
  "id": "evt_e09867748b1b47a01510c52e",
  "type": "payout.failed",
  "created": 1760534400,
  "livemode": false,
  "data": {
    "payout": {
      "id": 388,
      "object": "payout",
      "beneficiary_id": 73,
      "amount": 21450,
      "currency": "USD",
      "status": "failed",
      "scheduled_for": 1792141200,
      "sent_at": 1792141260,
      "external_transfer_id": "tr_1Q9sel0388",
      "failure_reason": "account_closed",
      "requires_approval": false,
      "approved_by": null,
      "approved_at": null,
      "created": 1792062790
    }
  }
}

Seller 0417, this week

Balanced

Gross payment

$1,840.00 USD

  • Paid out after netting $1,621.00
  • Held 14 days $184.00
  • Debt recovered $35.00
Shares add up to the payment $1,840.00
This week's 1,840.00 USD share. The 1,677.00 USD payout also includes 152.00 USD of released hold and is reduced by a 96.00 USD refund.

For the payouts team

One calendar for every seller payout

The payouts board shows what goes out this week, what is held and why, which sellers rolled over below the minimum and which payouts failed. Finance approves the run instead of building it, and engineers stop being the people who rerun a script on Friday afternoon.

If you also pay vendors on a multi-vendor store, the same schedules apply, see vendor payouts. Mass payouts to partners and contractors outside a marketplace are covered on the payout platform page.

Payout features by plan

Controls finance asks for

Payout schedules and minimum thresholds are on every plan. Holds, roles and reconciliation come with Growth, approvals with Scale. See pricing for the full list.

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

  • Schedules and minimums

    Starter+

    Daily, weekly on a weekday or monthly on a date, with a minimum payout per seller.

  • Negative balance netting

    Starter+

    Refunds after payout are recovered from the next payout, with ledger entries.

  • Holds for return windows

    Growth+

    Hold a percentage of each share for a number of days, released automatically.

  • Roles

    Growth+

    Owner, Finance, Developer and Viewer, so support can read payouts without changing them.

  • Four-eyes approvals

    Scale

    Payouts above a threshold wait for a second person before they are sent.

Questions

Frequently asked questions

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

Can different sellers have different payout schedules?
Yes. Each beneficiary is attached to a payout schedule. Most sellers can be weekly on Friday while high-volume sellers are paid daily and small ones monthly, each with its own minimum.
What happens to a seller below the minimum payout?
Their available balance stays in the ledger and rolls over to the next run. It is paid out on the first payout date where it reaches the minimum.
How long can we hold seller funds for returns?
You set the hold percentage and the number of days on the rule line, for example 10 percent for 14 days. Holds are on Growth and Scale and are released automatically on the date.
Where does the payout money come from?
From your own platform account at your payment operator. FractionalPay sends the payout instruction to that account and records the result. We never hold, pool or transmit funds.
Do you charge per payout?
No. Plans are flat monthly prices with a split flow limit. Your operator's own payout fees stay as they are.
Can we see a payout before it goes out?
Yes. Scheduled payouts are visible on the board and through GET /payouts before the run. On Scale, payouts above your threshold wait in awaiting approval until a second person approves them.

See your first payout date

Run a split in the simulator, choose weekly Friday payouts and a hold, and see when each share becomes a payout.

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