Crypto Payments for Marketplaces

When growth reads as risk

Marketplaces aggregate other people's transactions, and processors treat that as concentrated exposure. One misbehaving seller's dispute spike lands on the platform account, so underwriting is slower, reserves are larger, and payout terms tighten exactly when GMV accelerates. A viral product or a seasonal surge can trigger a manual review that freezes settlement for weeks, leaving the platform to fund seller payouts out of pocket or break its own promises. Chargebacks add a second layer: the buyer disputes with their bank, the platform eats the reversal, and clawing it back from a seller who already shipped is a policy war nobody wins. The card rails make the platform the insurer of every transaction.

One address per order

Every buyer payment gets its own on-chain address, generated for that order alone. Reconciliation stops being a matching problem, since money arriving at an address can only belong to one order, one buyer, one seller ledger entry. Settlement is non-custodial and final: funds land in wallets the platform controls, confirmed payments cannot be reversed by an issuer, and no external risk model can freeze the flow because volume grew too fast. Buyer disputes still happen, and they become what they should have been all along, a policy question your resolution process decides with the money already settled. The platform stops underwriting reversals it cannot prevent.

Buyer checkout, wallets you govern

Integration runs through the API. Your order service creates a payment at checkout with the order id attached, the buyer pays through the hosted checkout, and the confirmation webhook drives order state the same way a card capture event would. Funds settle into wallets your treasury controls, and seller payouts continue through whatever process you run today, now funded by money that arrived with finality instead of a payout schedule. Buyers pay with stablecoins for priced goods or with volatile coins they already hold, quoted at checkout. Because there is no payer KYC, international buyers check out with the same flow as domestic ones, which matters for marketplaces whose sellers ship worldwide.

The terms, the same for every vertical

The fee is 0.5% per confirmed payment, prepaid. New accounts start with $50 of live credit, roughly the first $10,000 processed. Coverage spans 14 mainnet chains, listed live in the accepted coins directory. Checkout ships hosted, through the WooCommerce and OpenCart plugins, or by API, and settlement is non-custodial on every route. Legal obligations that apply to your business remain yours, and our acceptable-use policy applies to every account.

Common questions

How do seller payouts work if payments settle to our wallets?

Buyer payments settle with finality into wallets your platform controls, and your existing payout process pays sellers from there. The difference is upstream: no processor reserve, no payout hold, and no reversed transaction arriving after you already paid the seller. Your ledger keys each payment to an order through its unique address.

What happens to buyer disputes without chargebacks?

They route to your resolution process instead of an issuing bank. The money is settled, so remedies are decisions you make: refund from your wallet, debit the seller's balance, or split the difference under your published policy. No third party overrules the outcome or fines you for the dispute existing.

Can our volume growth trigger holds or reviews?

No risk model reviews you, and settled funds are never held. Payments confirm on-chain and land in your wallets whether you processed ten orders or ten thousand, and fees draw from a prepaid credit you top up. One operational bound exists on contract chains: the platform caps how much confirmed volume can sit in not-yet-swept forwarding addresses at once, so a sudden burst can briefly pause new payment creation on that chain until sweeps catch up. Money already settled is never touched.