Marketplaces & Platforms
Split payments, seller payouts and merchant-of-record flows.
Who this is for
Marketplaces, on-demand platforms, creator/payout platforms, SaaS billing and PayFac-style operators.
qeam.net powers two-sided marketplaces, gig platforms, creator economies and SaaS billing platforms with collection IBANs, virtual IBANs per seller, split-payment logic, and mass payouts to 150+ countries.
Problems we solve
- Reconciling buyer payments to the correct seller without manual matching.
- Paying out sellers in 40+ currencies quickly and cheaply.
- Holding funds in escrow / safeguarded structures during disputes.
- Avoiding becoming an unlicensed payments institution.
What we provide
Per-seller virtual IBANs
Each seller gets a unique IBAN so buyer payments reconcile to the right sub-ledger automatically.
Split payments via API
Programmatically route a single inbound payment to multiple beneficiaries (seller, platform fee, tax).
Mass payouts in 40+ currencies
Push payouts to sellers via SEPA, SWIFT, ACH, Faster Payments and local rails.
Safeguarded client money structure
Funds held with a regulated partner so platforms don't need their own EMI licence.
Outcomes
- Onboard and pay out sellers globally without building a banking stack.
- Cut reconciliation cost to near-zero with virtual IBANs.
- Operate compliantly without holding a payments licence.
Frequently asked questions
Ready to power your marketplaces & platforms?
Open an account or talk to our team about a tailored setup.