Accept a single customer payment. Automatically split funds, hold your platform commission, protect buyers with escrow, and disburse mass payouts to thousands of vendors worldwide.
Adjust cart order and take-rate below to see how SmartGates routes and holds funds.
Platform automatically captures commission, while sub-merchant balances are routed directly or escrowed until delivery confirmation webhook is triggered.
Eliminate manual spreadsheets and compliance headaches. Everything your marketplace needs is programmable.
Split each checkout transaction into platform commissions, tax reserves, and merchant balances with microsecond ledger accuracy.
Hold funds in compliant escrow accounts until the buyer confirms physical delivery or digital service completion.
Pay sellers via their preferred regional method: direct to debit/credit cards, SEPA Instant, SBP QR, or local bank transfers.
Frictionless onboarding flow for your sellers. Verify identity, tax status, and bank credentials without manual paperwork.
One clean REST API handles authentication, split instructions, escrow holding periods, and automated webhooks. Never stitch together different payment providers again.
{
"amount": 18000,
"currency": "EUR",
"payment_method": "card",
"splits": [
{
"account_id": "acc_platform_master",
"amount": 2700,
"role": "platform_fee"
},
{
"account_id": "acc_seller_902",
"amount": 10710,
"escrow": true,
"release_trigger": "delivery_confirmed"
},
{
"account_id": "acc_logistics_14",
"amount": 4590,
"escrow": false
}
]
}No payout rails match the selected filters.
No. SmartGates operates compliant escrow and client-segregated accounts in full accordance with PSD2 and global payments legislation. Your marketplace remains compliant without the costly overhead of obtaining your own financial license.
Our split ledger dynamically recalculates the balance. You can trigger an instant partial or full refund through the API; the refunded portion returns to the buyer's original payment method while adjusting vendor balances and commissions automatically.
Depending on the chosen payout rail, funds reach vendor accounts instantly (via card payouts or SEPA Instant) or within 1 business day for standard local bank transfers.
We offer tiered volume-based pricing with no setup charges or hidden maintenance fees. As your monthly Gross Merchandise Volume (GMV) increases, per-transaction and payout fees decrease automatically.
Talk directly to our marketplace payment architects. We'll review your flow of funds and configure your custom sandbox in 24 hours.