Escrow + payouts, Stripe Connect under the hood, on a schedule sellers trust.
Marketplaces live or die on the trust layer. The buyer needs to know their money is safe until they get what they paid for; the seller needs to know they'll get paid on a clock they can budget against. We build the ledger, the Connect plumbing, and the dispute windows that make both sides comfortable enough to keep transacting.
What we build
Stripe Connect for the payout fabric
Express or Custom Connect accounts depending on how much white-labeling the marketplace needs. Onboarding flows that handle KYC up front, not at the first payout attempt. Stripe Connect handles the regulated capital movement; we wire the marketplace logic around it.
A real ledger, not a balance column
Held funds, pending releases, refunds, chargebacks, and platform fees each get their own ledger lines. The seller's dashboard shows what they earned, what's held, and when each batch releases. Reconciliation is a query, not a spreadsheet.
Dispute windows the seller understands
Buyer-protection windows configured per category and surfaced in the UI. Sellers know exactly when funds release. Disputes pause the release; resolutions restart it. The state machine is explicit and observable.
Payouts on a schedule, not on a button
Weekly, biweekly, or monthly payouts depending on the marketplace shape. BullMQ workers reconcile against the Stripe Connect balance, batch the eligible held funds, and trigger the payout. Failed payouts retry; permanent failures alert the operator.
KYC + AML aware from the start
Tiered KYC for sellers based on volume thresholds. Identity verification before the first payout, enhanced diligence at higher tiers. The marketplace operator gets a compliance dashboard; the seller experience stays as light as the law allows.
Multi-currency where the marketplace needs it
Buyer pays in their currency, seller receives in theirs, the platform sees both sides in EUR for accounting. Stripe FX handles the conversion. We surface the rate, the timing, and the fee so the seller isn't surprised on payout day.
Where this fits
You're building a two-sided marketplace and the trust layer can't be a Stripe Checkout link with a Slack notification.
Your existing marketplace settles balances manually and the ops team is the bottleneck on every payout cycle.
You're hitting Stripe Connect's regulatory edges (multi-region payouts, enhanced KYC, dispute reserves) and the integration was built before any of that mattered.
Tech stack
- TypeScript
- Stripe Connect
- Postgres
- Drizzle
- BullMQ
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