One payment in.
Every seller paid, safeguarded,
ready to spend.
The payments rail built for marketplaces. Split at capture into a dedicated safeguarded wallet per seller, then optionally issue them a card to spend it — compliance built in, not bolted on.
Touch seller money, and you might be a payment institution.
The moment client funds flow through your accounts on the way to your sellers, you risk operating as an unlicensed payment institution — a regulatory exposure most platforms underestimate. Paybyrd captures each payment straight into a safeguarded wallet: seller money never lands on your balance sheet, never sits in your bank account, never makes you the regulated party.
Paybyrd orchestrates the checkout, the split, the wallets and the cards — it never holds your sellers' money. Client funds sit in safeguarded wallet accounts at Banking Circle, a fully licensed bank, through Ztlment ApS (Complypay), a licensed financial institution supervised by the Danish FSA (Finanstilsynet). Insolvency-remote from both you and Paybyrd.
View Ztlment on the Danish FSA register →Priced at cost, like everything we do — see the published scheme-fee schedule.
Your DAC7 report already lives in the ledger.
EU platforms must report seller identities and income to tax authorities under DAC7. Every reportable field — verified seller identity, tax IDs, per-seller income totals — already lives in your Paybyrd ledger. Export it; don't rebuild it from spreadsheets.
One checkout. Money split the instant it lands.
The customer pays once on your storefront. At capture we split commission, hold a rolling reserve, and settle each seller into their own safeguarded wallet — zero commingling on your balance sheet.
A single hosted checkout, your brand — multi-seller cart, 3DS2, SCA, 20+ methods.
Commission to you, reserve held at source, each seller's share routed instantly.
Funds land segregated in safeguarded wallet accounts at a licensed bank — ready to pay out to the seller's bank, or spend on an optional issued card.
A safeguarded account for every seller.
Every seller gets their own safeguarded wallet account at a licensed bank — insolvency-remote from your balance sheet. Client money is never commingled with your operating cash. Provable to auditors on any given day.
Sellers pick the marketplace that pays them first.
A seller's share is spendable at capture — usable the moment the split lands, with no payout wait and no external bank. Optionally, let them spend it directly on an issued card added to Apple Pay or Google Pay, in-store or online. Instant access to earnings is how you win sellers off slower platforms — and keep them.
Onboard a thousand sellers without killing activation.
Sellers start selling fast. KYB and enhanced due diligence run automatically and trigger at configurable volume thresholds, so compliance protects activation instead of throttling it — verification runs on our rails, behind your onboarding UX.
One API call splits the payment.
Commission, rolling reserve and every seller's share — routed at capture from a single request. No payout batch, no nightly reconciliation job to babysit.
POST /v1/payments { "amount": 220600, "currency": "EUR", "capture": true, "splits": [ { "seller_id": "sel_technova", "amount": 178598 }, { "commission": true, "amount": 26472 }, { "reserve": true, "release_in": "30d", "amount": 15530 } ] }
Marketplace payments, side by side.
The same job, four different rails — compared on what actually matters to a marketplace.
| Paybyrd | Stripe Connect | Mangopay | Adyen for Platforms | |
|---|---|---|---|---|
| Where seller funds sit | ✓ Safeguarded at a licensed bank (Banking Circle) — you never touch them | Held by Stripe until payout | Safeguarded in a licensed EMI wallet | Held by Adyen (licensed bank) |
| When sellers can spend | ✓ At capture — the moment the split lands | On payout (T+N); instant payout carries a fee | On payout to bank | On the payout schedule |
| Card on the seller wallet | ✓ Yes — optional, Apple/Google Pay | Separate Issuing product | No | Enterprise-gated |
| Pricing | ✓ Published at cost | Blended published + negotiated | Custom / negotiated | Interchange++ , enterprise-negotiated |
| Built for | ✓ EU-native | US-first, broadest global coverage | EU-native, long marketplace tenure | Global enterprise scale |
| Time to first live split | ✓ Sandbox same day · first split week one | Fast self-serve onboarding | Weeks (integration) | Enterprise implementation |
| When something breaks | ✓ A payment engineer | Docs + tiered support | Account manager | Enterprise support |
Last verified July 2026. Competitors' capabilities change — we keep this current and cite sources on request. Compared on the axes that matter to a marketplace; each provider has real strengths of its own.
The questions your CTO will ask.
Refunds debit the relevant seller's wallet first; the rolling reserve covers any shortfall, so the reversal never lands on your balance sheet.
A chargeback is clawed back from the seller's wallet; where the balance can't cover it, the reserve absorbs it, then platform-level rules apply.
If a seller wallet would go negative, the rolling reserve absorbs it and the balance is recovered from future settlements — never from your operating cash.
When a seller leaves, their funds stay safeguarded and are settled out per your offboarding rules; the audit trail is retained.
Rolling reserves release on a configurable schedule once the exposure window passes, back into the seller's spendable balance.
The questions operators actually ask.
What happens to refunds and chargebacks across a split?
A refund or chargeback is debited from the relevant seller's wallet first; if that wallet can't cover it, the rolling reserve absorbs the shortfall, then platform-level rules apply. Reserves exist precisely so a reversal never lands on your balance sheet unexpectedly.
Who holds the licence — you or Paybyrd?
Paybyrd orchestrates the flow; it never holds your sellers' money. The regulated flow-of-funds runs through Ztlment ApS (Complypay), a licensed financial institution supervised by the Danish FSA (Finanstilsynet), and client funds are held in safeguarded wallet accounts at Banking Circle, a licensed bank — insolvency-remote from both you and Paybyrd.
How is this different from Stripe Connect?
Connect pays sellers out on a delay to an external bank; here the split lands instantly into a safeguarded wallet the seller can spend from a card immediately — and pricing is published at cost, not blended.
How long until we're live?
Sandbox same day, shadow-mode alongside your current provider, first live split in week one.
Run your marketplace on a
compliant rail this week.
Sandbox in 24 hours. First real split by end of week one. Shadow mode alongside your current provider for as long as you need.