Escrow flows, split payments, seller KYC, cross-border payouts — handled at the orchestration layer. Ship a global marketplace without spending a full engineering year on the payments team.
Running a marketplace means you're sitting between buyers and sellers — which makes you look a lot like a money transmitter to regulators. Add split payments, escrow, KYC for each seller, multi-currency settlement, chargebacks that need to route back to the right party, and tax collection — and most marketplaces spend a full engineering year on "payments" before they ship a product.
Paynexus bundles all of it into a single API. You keep the marketplace identity; we keep the money-movement complexity.
Instant or next-day payouts keep sellers on your platform instead of moving to direct channels.
Settle in each seller's local currency with pre-negotiated FX rates — cut remittance fees to near-zero.
Local acquiring, seller KYC, and regulatory boilerplate are pre-wired. Expansion becomes a routing rule, not a project.
Funds flow through licensed partner PSPs, not your ledger. You operate as a marketplace, not a financial institution.
Single customer charge, automatic distribution across sellers, platform fees, and reserves. Split rules are declarative — { recipient, amount } pairs per transaction.
Hold funds until delivery is confirmed, a return window closes, or a dispute is resolved. Release by API call or automatic policy (on_delivery_confirmed, on_timer, manual).
Pre-wired integrations with Sumsub, Jumio, and Onfido. Progressive KYC — collect minimal data to start, escalate as seller volume grows.
Buyers pay in their currency, sellers receive in theirs. We handle FX on our side with pre-negotiated rates — you skip marking up international transactions.
Disputes automatically debit the correct party — seller, platform, or shared per your policy. Full evidence chain preserved for each transaction.
Per-seller statements, tax-ready ledgers, and reconciliation exports — scheduled or on-demand. Webhook-driven, no polling.
Create a PaymentPlayerAccount for each seller with their KYC data. Paynexus returns a seller_id you reference in every split payment.
Send a standard deposit with an additional splits array. Each entry names a recipient and an amount; any remainder stays in your platform account.
Set release_policy: "on_delivery_confirmed" or hold manually. Release via a single API call once your business rule is satisfied.
A single customer charge triggers multiple webhook events — one per seller settlement, one per platform fee, one per escrow release. All signed with HMAC-SHA256.
Start free in the sandbox. Go to production when you're ready — no contracts, no minimums.