Question 1

Keep sellers and drivers from leaving

Accepted Answer

Give supply-side participants instant access to their earnings — getting paid fast becomes a reason to stay instead of a reason to compare you to competitors. DoorDash, Uber and Instacart run supply-side instant payout on Marqeta at scale.

Question 2

Fund and control purchases in real time

Accepted Answer

Issue cards to earners on your platform with built-in spend controls — funds only move at the moment of an approved purchase, with no pre-loaded cash and no exposure to misused funds.

Question 3

Give sellers the capital to grow with you

Accepted Answer

Provide working capital advances, expense cards, and business banking solutions – professional sellers can finance inventory and manage cash flow, creating switching costs that go beyond commission rates.

Question 4

Buyers choose how they pay, you keep the fees

Accepted Answer

Let buyers choose pay-over-time options for higher-ticket purchases — conversion and basket size go up, and facilitation fees instead of going to a third party.

Question 5

What makes a marketplace payment solution different from a standard payment gateway?

Accepted Answer

A standard gateway handles simple buyer-to-merchant transactions, while a marketplace solution manages the complexity of multi-party payments, including splitting funds between sellers and the platform, automating payouts, and supporting financial products on both sides of the transaction.

Question 6

Why do payout speeds matter for seller retention?

Accepted Answer

Marketplace sellers often say they would switch to a platform offering real-time payouts, meaning slow multi-day ACH transfers can be enough reason for a seller to take their business elsewhere.

Question 7

How can marketplaces grow revenue beyond commissions?

Accepted Answer

Platforms can add revenue streams through interchange, BNPL facilitation fees, working capital advances, and expense cards, creating income that grows alongside sellers rather than requiring commission rate increases that drive churn.

Question 8

What are Just-in-Time funding and dynamic spend controls?

Accepted Answer

Just-in-Time funding means the platform funds only the exact authorized amount at the moment of purchase, and dynamic spend controls define how and where those funds can be used, eliminating pre-funding requirements and reducing fraud exposure.

Question 9

How do instant payouts help reduce seller multi-homing?

Accepted Answer

When sellers can access earnings immediately after a transaction, the platform becomes their primary choice rather than one of several they use interchangeably, turning payout speed into a retention advantage instead of a vulnerability.

Question 10

Which types of marketplaces can benefit from embedded financial products?

Accepted Answer

Retail, service, labor, and on-demand delivery marketplaces can all benefit, with solutions tailored to each model, from seller working capital for goods platforms to instant earnings access for driver and courier networks.

Question 11

What financial products can marketplaces offer to professional sellers?

Accepted Answer

Marketplaces can provide working capital advances, expense cards, and business banking tools that help sellers finance inventory and manage cash flow, creating switching costs that go beyond commission rates alone.

Payments that work for both sides of your platform

The challenges marketplaces bring to us — and how we solve them

Your best sellers work for competitors too

Slow payouts are pushing your best sellers out the door

Commission-only revenue is a growth ceiling

Your best sellers work for competitors too

Turn both sides of your marketplace into a financial relationship

One platform, tailored to both sides of your marketplace

The difference between a program that launches and one that lasts

Learn from the front lines of payments

Frequently asked questions