How to embed payments into your marketplace or platform

If you run a marketplace, SaaS, or vertical platform, your customers are businesses that need to get paid. Platform payments let you offer that natively — and earn from it.

The pattern

Rather than each of your users integrating a payment provider separately, they connect their account to your platform once. After that, your platform can act on their behalf: accept payments, read their data, and initiate payouts — all scoped to what they allow.

How connecting works

It's a standard OAuth flow:

1. You register a platform app and get a client_id and client_secret.
2. You send a business to a consent screen with your client_id.
3. They approve, and you receive a scoped access token for their account.
4. You use that token to charge on their behalf.

You never see their private keys — only a revocable token limited to the permissions they granted.

Taking a fee

On each on-behalf charge you can take an application fee — a flat amount or a percentage. At settlement, the connected business receives their net minus your fee, and your platform wallet is credited the fee.

Scopes keep it safe

Access is scoped: payments:write, payments:read, customers:read, payouts:write, and more. A business grants only what it's comfortable with, and can disconnect any time.

Test it first

A sandbox connect endpoint gives you an instant test token, so you can build and verify your entire integration before going live.

Platform payments turn "our users have to figure out payments themselves" into a seamless, monetisable part of your product.