MarketplacesClient project
Marketplace Payouts and Vendor Onboarding
Stripe Connect setup for a European marketplace: vendor KYC, split payouts, and operational runbooks for disputes and reconciliation.
Client name withheld by agreement. Outcomes and scope reflect the actual engagement.
Challenge
A marketplace founder needed vendor onboarding, identity verification, application fees, and automated payouts across EU markets without becoming a payment institution or building compliance infrastructure from scratch.
Solution
Architected Connect-based onboarding with webhook-driven state machines for KYC status, split transfer logic for platform fees, and runbooks for disputes, refunds, and payout reconciliation.
Architecture
Product→Payment Layer→Webhooks→Billing→CRM/ERP
Technology
- Stripe Connect
- KYC webhooks
- Split payouts
- Node.js
Impact
- Vendor onboarding and KYC flows live in production
- Automated split payouts with platform fee collection
- PSD2-aligned payment architecture for EU sellers
- Ops playbooks for disputes and reconciliation
Outcomes
- Vendor onboarding and KYC flows live in production
- Automated split payouts with platform fee collection
- PSD2-aligned payment architecture for EU sellers
- Ops playbooks for disputes and reconciliation
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