Platforms & marketplaces
Onboard every seller, including the ones your PSP keeps declining.
Reviewed
Sellers · 30 days
$612,940
Revenue share
Set at underwriting
How it works for a platform
Five things a platform needs. One program that does them.
01 · Onboarding
Your sellers apply inside your product.
A hosted onboarding flow you link to, or an API you build against. Either way the seller never leaves your brand, and the document list is the one written for their category rather than a generic form.
- Hosted flow on your domain, or API
- Category-specific document lists
- Status visible to you and to the seller
- Apply
- Underwriting
- Approve
- Integrate
- Live
Underwriting in progress
Acquiring review · Northwind Platform · seller onboarding
Documents · 4 of 5 received
- Business registrationReceived
- Beneficial owner IDReceived
- Product catalog URLsReceived
- Processing history, if anyReceived
- Refund and shipping policiesRequested
02 · Underwriting and KYC
The bank decides. You are not the risk desk.
Know-your-customer, business verification and category underwriting are done by the acquiring bank from data collected in your flow. You are not asked to become a compliance department, and you do not hold chargeback exposure for sellers you cannot see.
- KYC and KYB by the acquiring bank, from your onboarding data
- Underwriting decision made by the bank
- Chargeback liability sits with the seller's account, not your platform
Sellers · 30 days
$612,940
Revenue share
Set at underwriting
03 · Revenue share
Bring the seller. Keep a share.
Every account your platform brings earns you a share of the residual on it, reported per seller and paid monthly. Interchange passes through at cost and the seller's terms are on their own sheet, so nothing is blended into a statement nobody can read.
- A revenue share on every seller account you bring
- Interchange at cost, terms disclosed per seller
- Share reported per account, paid monthly
04 · Payouts
Pay vendors and affiliates from the platform.
Each seller settles to its own account. Payouts to vendors, affiliates and contractors run as ACH originations from the platform where the acquiring program supports it, on a schedule you set, and each recipient reconciles to its own ledger.
- ACH payouts where the program supports it
- Per-recipient schedules
- Payout history per recipient
Batch · Friday
$48,760
05 · Reporting
Every sub-account on its own line.
Volume, disputes, reserves and payouts per seller, and a platform-level view across all of them. Signed webhooks for every event, so your own systems know before your support inbox does.
- Per-account and platform-level reporting
- Signed webhooks per sub-account event
- Exports that reconcile to your ledger
Settled, 30 days
$184,290
Next payout
$12,418
Scheduled
Daily volume
Cards + ACHWho carries what
Four parties, and the risk sits with us.
- Your sellers
- Sell, take payments, run their business. Each has its own sub-account, descriptor and terms sheet.
- Your platform
- Owns the product experience, brings the sellers, and earns a revenue share on each account. You do not underwrite and you do not hold chargeback liability.
- Dash Process
- Runs the onboarding flow, prepares each seller's file, and operates the dashboard, payouts tooling and support. We present every file to the acquiring partner that writes the category.
- Our acquiring partners
- Underwrite each seller, provide the merchant account, hold and settle funds, and carry the account and its liability.
Specification
The detail.
- Onboarding
- Hosted flow or API
- KYC and KYB
- Acquiring bank, from your onboarding data
- Underwriting decision
- Acquiring bank
- Accounts
- One merchant account per seller
- Platform revenue share
- Set at underwriting
- Payouts
- ACH originations where the program supports it
- Reserve terms per seller
- Set at underwriting
- Reporting
- Per seller and platform-level; signed webhooks
- Categories
- Any legal category; twenty restricted verticals documented — see Program boundaries
Rows reading set at underwriting are not omissions. Those figures are decided per merchant against your vertical, volume and history, and you will see all of them in writing before you sign.
- Standard fee profileThe default applied to every seller unless you override it.
- Set at underwriting
- Per-seller overridesProfiles you set for individual sub-accounts.
- Set at underwriting
- Platform markupYour spread on each seller, disclosed on their terms sheet as the platform fee.
- Set at underwriting
- Reserve terms per sellerSet at each seller's underwriting; visible to you per account.
- Set at underwriting
- Split rulesHow each settlement divides between seller, platform and other recipients.
- Set at underwriting
- Conditions for changeWhat can move any line above, and how much notice you get.
- Set at underwriting
Issued as one sheet before signature. Nothing appears on a statement that was not on it.
Questions
From platforms.
Tell us about your sellers.
Which categories, how many, how they onboard today, and what your current provider keeps declining. We will say what the standard program takes, what goes to a specialist acquirer, and what the revenue share can look like — before a contract.