Marketplace and Platform Payments
Split Payments, Onboarding, Payouts
Split, route, and pay out — cleanly. Multi-party payments, sub-merchant onboarding, and managed settlement for platforms — without becoming a money transmitter or stitching together a basic gateway with workarounds.
A basic gateway with “workarounds” is how marketplaces end up with compliance debt. Kadima is built for platform complexity from day one.
Built for
platform complexity.
Split payments
Route a single transaction to multiple sellers and your platform fee, automatically.
Sub-merchant onboarding
Onboarding and KYC for your sellers handled — so you stay off the money-transmitter path.
Managed payouts
Scheduled or on-demand payouts to sub-merchants with full settlement visibility.
Compliance handled
Underwriting and risk for the whole platform managed by people who understand multi-sided models.
Multi-method ready
Cards and ACH across your sellers, with reporting that ties it all together.
Unified reporting
One ledger across every seller, payout, and fee — reconciled, not reverse-engineered.
Marketplace and platform payments: common questions
Do I become a money transmitter if I split payments?
Not with the right structure. Managed settlement and sub-merchant onboarding are designed so the platform facilitates payments without taking custody in a way that creates money transmitter obligations. This is the single most common reason platforms outgrow a basic gateway.
How does sub-merchant onboarding work?
Sellers on your platform are boarded as sub-merchants with their own underwriting, so risk sits with the right party and payouts flow correctly without you stitching workarounds around a gateway that was never built for multi-party flows.
Can I split a single payment across multiple parties?
Yes. Multi-party splits, routing and managed payouts are supported natively.
What reporting do I get across sub-merchants?
Unified reporting across the platform, with settlement visible per sub-merchant.
Can I integrate this into my own product?
Yes — see developer access for embedded onboarding, payments, payment links, reporting and signed webhooks.
Build the platform. We’ll move the money.
Tell us how your marketplace works. We’ll structure split payments and payouts without the compliance headache.