Pabopay is the payments backbone for marketplaces and platforms. Accept a buyer's payment, split it across every seller automatically, and settle to hundreds of accounts the same day — with onboarding, KYC, balances and payout compliance handled for you.
Powering payments for marketplaces in 38 countries
The platform
Everything a platform needs to move money between buyers and sellers — wired together so your balances always reconcile, down to the cent.
Divide any charge across one or many sellers and your platform fee, in a single API call. Percentages, flat fees, or per-line-item rules.
Pay sellers to bank accounts, cards or wallets in 58 currencies. Instant, daily or on your own schedule — with FX handled at interbank rates.
Embed a white-label flow that verifies identity, business and bank details, runs AML and sanctions screening, and provisions a connected account in minutes.
Hold a balance per seller, top up, transfer between accounts and place reserves on risky volume — all on a real double-entry ledger.
We act as the regulated payout layer: tax form collection, 1099/DAC7 reporting, risk holds and dispute handling for every sub-merchant you onboard.
A live view of every split, payout and balance, with platform-wide reconciliation your finance team can actually close the month on.
Split payments
Describe how a payment should be divided and Pabopay does the rest — atomically, on a ledger that never drifts. Buyers see one clean line on their statement; you see every share accounted for.
Global payouts
Your sellers don't all bank in the same country — and they shouldn't have to wait a week to get paid. Pabopay routes each payout over the fastest local rail and converts at interbank FX.
Operators on Pabopay
"We replaced a payouts spreadsheet and three contractors with one Pabopay integration. Sellers get paid the day they sell, and our books finally tie out."
"Onboarding used to take our sellers a week of back-and-forth. With Pabopay's embedded KYC it's four minutes, and compliance is no longer my problem."
Pricing
No setup fees, no monthly minimums. You only pay when a payment is split and paid out.
For platforms finding their first sellers.
For marketplaces growing past €1M / month.
For platforms with volume and bespoke needs.
FAQ
You stay in control of the buyer relationship while Pabopay acts as the regulated payout layer for your sellers. That means we carry the licensing, KYC and reporting burden for money sent to sub-merchants, so you don't have to become a payments company.
On rails that support instant settlement — SEPA Instant, Pix, FedNow, faster local schemes — payouts land in seconds. Everywhere else they settle same-day or next-day, on whatever schedule you configure.
Yes. Our embedded onboarding verifies identity, business registration and bank ownership, screens against sanctions and PEP lists, and keeps records audit-ready. You get a clean pass or fail and we keep the evidence.
Pabopay collects the right tax forms at onboarding, tracks thresholds across the year and files 1099-K, DAC7 and equivalent reports on your behalf, with copies issued to your sellers.
Often, yes. Pabopay can sit on top of acceptance you already have, or provide the full charge-to-payout stack. Most platforms start with payouts and split, then consolidate over time.
A typical platform is moving test money the same afternoon and live within two weeks. The API is REST, idempotent and documented, with SDKs for Node, Python, Ruby, PHP and Go.
Tell us how your platform moves money today and we'll map it onto Pabopay — splits, payouts, onboarding and all.