Marketplaces

Accept payments from buyers, take out a commission and send the rest to sellers, without a separate payout integration. Marketplace payments have two parts: a payment link that collects from the buyer, and a recipient that the seller's share is routed to.

A recipient is a payout destination for a seller: a bank account, a name and a relationship. It isn't a sub-merchant, so a seller has no Mamo account, KYC review or dashboard of their own. Your business, the marketplace, is the merchant of record for every payment and carries chargeback, refund and VAT liability. When a buyer pays a link with payouts_share set, Mamo splits the money and records the seller's share against their recipient; the rest stays with you as your platform fee.

How it fits together

Register each seller once with Create recipient. Registration is immediate.
Create a payment link with payouts_share using Create payment link, passing the seller's recipient_id and one of percentage_to_recipient or amount_to_recipient.
The buyer pays the link. Mamo credits the seller's share to their balance on the payment's settlement date, together with your own share.
Mamo pays the seller on schedule. Payouts go from the recipient's balance to their bank account on your account's payout schedule, and you get a payout.processed webhook for each one.

Managing a marketplace

You want to	Use
Register or look up a seller	Create recipient
Check a seller's IBAN before saving it	Validate IBAN
Split a payment automatically	`payouts_share` on Create payment link
Hold the seller's money until an order is fulfilled	Skip `payouts_share`, then pay the seller with Issue payouts when you're ready
Charge only once a seller accepts or ships an order	`hold_and_charge_later` on the link, then Capture payment
See every payment	List payments

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Seller vs. sub-merchant
A seller is just a recipient in the API. Recipients don't go through onboarding or KYC, and the API doesn't model a seller with its own merchant-of-record status. Disputes, chargebacks and refunds run through your Mamo account, not the seller's.

The Split payments page covers fees, timing, liability and settlement in detail.

Build it

The Payments and Payouts sections of the API Reference have every endpoint a marketplace uses.

Try it

Follow the Run a marketplace recipe in the sandbox.