Platforms
Marketplaces one payment, many sellers
A buyer pays once. The platform keeps its commission and the rest belongs to one or several sellers, each of whom wants paying in their own way. Splitting and paying out is where platforms spend their engineering time.
The problem
What the card rail costs you here
Splits are your problem
Card acquirers give you one settlement. Working out who gets what, holding it, and paying it out is code you write and money you are responsible for in the meantime.
Sellers in many countries
Paying out by wire to a hundred sellers in twenty countries is fees, delays and a support queue.
Chargebacks land on the platform
When a buyer disputes, the acquirer takes it from you, and getting it back from the seller is a conversation.
How Plutus fits
What we switch on for you
The product is the same underneath. These are the pieces that matter in marketplaces, in the order most merchants adopt them.
Take the payment once
Hosted checkout or API, the buyer pays the full amount in crypto, converted at the locked rate.
Split by rule
Tell us the commission and the seller shares per payment. The platform's part settles to your bank; the sellers' parts go to a payout queue.
Pay sellers their way
Each seller chooses fiat to a bank account or stablecoin to a wallet. Batches run nightly with an approver if you want one.
No disputes to pass on
A confirmed payment is final. There is nothing for a buyer to reverse and nothing for you to claw back from a seller.
A worked example
A platform, €400,000 a month across 300 sellers
Illustrative. Card figures are typical European ranges and depend on your acquirer, sector and volume.
Talk to us about marketplaces
Tell us what you sell and where, and we will come back with the pieces to switch on and a rate confirmed in writing.