Build compliant marketplace payments
Onboard sellers, accept buyer payments, and split payouts automatically. Keep balances, reserves, refunds, and reporting clear from day one.
One flow for sellers, buyers, and finance
Billrail lets you onboard sellers with KYC/KYB, take payments with cards and local methods, and route funds per order, item, or fee. Configure reserves, rolling holds, and capture timing. Refunds, disputes, and adjustments stay in sync. Your team gets real-time balances and export-ready statements—without stitching tools or rebuilding payment logic.
From seller onboarding to settlement
Control roles, funds, and risk across the entire order lifecycle.
1. Onboard sellers
Collect business details and docs with KYB/KYC. Approve automatically or with review. Map tax status and payout accounts.
2. Accept buyer payments
Offer cards and local methods by market. Apply SCA/3DS where required. Authorize now, capture on ship or on service delivery.
3. Split payouts
Define splits for sellers, platform fees, and taxes. Support per-item routing, multi-seller carts, and cross-currency settlement.
4. Reserves and risk
Set rolling reserves and delayed capture windows. Add thresholds for high-risk items, cancellations, and preorders.
5. Refunds and disputes
Issue partial or full refunds. Track chargebacks and evidence. Balances and liabilities update automatically.
6. Reporting and tax
Provide seller statements, payout breakdowns, and fee reports. Export VAT/GST fields and reconcile to your ledger via webhooks.
See your flow end to end
Bring your stack and use cases. We'll map auth, capture, refunds, settlement, and reporting so you know exactly what goes live.
Built for platforms at any stage
Ship faster. Stay in control.
Retail marketplaces
Mixed carts across multiple sellers, each with clear balances and fees. Capture on dispatch. Handle returns without manual rework.
Services and bookings
Hold funds until service is delivered, then release per milestone or date. Reduce disputes with transparent timelines.
B2B platforms
Route large tickets with approval steps, reserves, and net terms. Keep audit trails tight for finance and compliance.
Questions about marketplace payments
Key details for product, payments, and ops teams.
Which payment methods can I accept?
Cards by default, plus local methods by country to lift conversion. Configure per market and device.
How often do sellers get paid?
Set schedules (on event, daily, weekly) and cut-off times. Payouts include fees, taxes, and reserves, with statements for each cycle.
How do refunds affect payouts?
Refunds and chargebacks adjust seller balances automatically. Optional reserves cover liabilities without surprise deductions.
Do you handle SCA/3DS and PSD2?
Yes. Strong Customer Authentication applies where required. We route 3-DS intelligently and keep statuses aligned with orders.
Can we manage taxes and invoices?
We expose tax fields per line item and provide statements for VAT/GST reconciliation. You can export to your ERP or BI.
Is cross-currency supported?
Yes. Authorize in buyer currency and settle to seller accounts per configuration. Fees and FX are itemized in reports.
Go live in days
Start with cards and add the methods that fit each market. Keep cost, risk, and experience in one place from day one.