AI generated.

This example describes a marketplace platform processing card payments, bank transfers, and payouts for thousands of merchants. The main goals are fast onboarding, predictable settlement, and clean reconciliation. Entity chips highlight vendors and networks without slowing the narrative.

Reference stack: Stripe, Adyen, PayPal, visa, mastercard. For open banking and identity: Plaid, tink, saltedge, onfido.

Operating model

• Merchant KYC and identity verification handled by onfido
• Split payouts and sub‑merchant management on Stripe or Adyen
• Card network compliance aligned with visa and mastercard
• Dispute workflows enriched with PayPal signals

Core flow

1. Onboarding with document checks, beneficial owner capture, and risk scoring.
2. Account linking via Plaid or tink for settlement accounts.
3. Payment acceptance with dynamic routing across Stripe and Adyen.
4. Reconciliation through daily payouts and automated ledger matching.

KPI targets

• 35% faster onboarding time with onfido
• 12% higher conversion rate on Stripe
• Fewer chargebacks by enforcing mastercard rules

Provider comparison

Provider	Global coverage	Marketplace payouts	Dispute tooling	Typical integration time
Stripe	✓	✓	✓	2–4 weeks
Adyen	✓	✓	✓	4–6 weeks
PayPal	✓	✗	✓	1–2 weeks

Open banking & identity

Provider	Bank account linking	KYC/KYB	Coverage notes
Plaid	✓	✗	Strong US & Canada
tink	✓	✗	Strong EU coverage
saltedge	✓	✗	Broad EU + emerging
onfido	✗	✓	Global identity checks

Implementation notes

• Webhooks for payment and dispute events from Stripe and Adyen
• Tokenized vault for payment methods with network tokens from visa
• Alerting dashboards combining PayPal disputes and settlement exceptions

Sample entity chips: Stripe, Adyen, Plaid.