{"id":57784,"date":"2024-06-19T10:08:00","date_gmt":"2024-06-19T08:08:00","guid":{"rendered":"https:\/\/www.centralpay.com\/marketplace-payment-the-strategic-heart-of-b2b-and-b2c-platforms\/"},"modified":"2026-02-26T16:21:12","modified_gmt":"2026-02-26T15:21:12","slug":"marketplace-payment-the-strategic-heart-of-b2b-and-b2c-platforms","status":"publish","type":"post","link":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/blog\/marketplace-payment-the-strategic-heart-of-b2b-and-b2c-platforms\/","title":{"rendered":"Marketplace Payment : the strategic heart of B2B and B2C platforms"},"content":{"rendered":"\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Don&#8217;t underestimate the importance of marketplace payment<\/strong><\/h2>\n\n\n\n<p>On a daily basis, marketplace payment is critical on two levels:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Customer experience<\/strong>, which directly impacts conversion<\/li>\n\n\n\n<li><strong>Internal orchestration<\/strong>, which ensures profitability and compliance<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Optimizing the payer experience<\/h3>\n\n\n\n<p>Payment is the first trusted interface between buyer and platform. In a B2B or B2C marketplace, as in e-commerce, the priorities are clear: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Maximize the acceptance rate<\/li>\n\n\n\n<li>Offer the right payment methods (credit card payment, SEPA transfer, payment initiation, etc.) and payment methods (Apple Pay, Google Pay, one-click, etc.)<\/li>\n\n\n\n<li>Simplify checkout to limit cart abandonment<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>An effective payment module must be fast, seamless, and secure. The challenge is not to multiply the options, but to offer those adapted to the buyer profile: average order value, purchase frequency, target countries. An effective payment module must accelerate online conversion.  <\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Orchestration of flows and payouts<\/h3>\n\n\n\n<p>On a marketplace, a single order can involve multiple sellers. The customer pays the platform, which then automatically redistributes the funds to each merchant&#8217;s bank account: this is called a reverse payment (or split payment). <\/p>\n\n\n\n<p>Its configuration determines monetization: payout schedule, commission rules, additional costs (logistics, customer service). The platform must also be able to manage the <a href=\"https:\/\/centralpay.dev.innovest.fr\/fr\/blog\/marketplaces-l-impact-de-l-onboarding-de-marchands\/\" data-type=\"link\" data-id=\"https:\/\/centralpay.dev.innovest.fr\/fr\/blog\/marketplaces-l-impact-de-l-onboarding-de-marchands\/\">onboarding of new merchants<\/a>, security reserves (in case of refunds), disputes, and accounting management. <\/p>\n\n\n\n<p>Since the funds belong to the sellers, not the platform, strict rules apply. It cannot manage its marketplace payment flows alone, but must rely on an authorized Payment Institution (also known as a Payment Service Provider &#8211; PSP). <\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/which-online-payment-solution-model-should-you-choose\/\" style=\"border-radius:10px\">Read also: Which online payment solution model is right for your business? \u279c<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Third-party collection: a strict regulatory framework<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/article_lc\/LEGIARTI000035731653\/\" target=\"_blank\" rel=\"noopener\">Article L314-1 of the French Monetary and Financial Code<\/a> defines third-party collection as the receipt and processing of payment transactions intended to be transferred to a beneficiary. This applies to all marketplaces. <\/p>\n\n\n\n<p>However, no platform is authorized to collect money from buyers on behalf of merchants without authorization. It must work with an authorized Payment Institution (PI). <\/p>\n\n\n\n<p>Ignoring this framework risks sanctions from the ACPR (French Regulatory Authority for Payments), but also erodes the trust of merchants and payers.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">What role does a Payment Institution play in the payment marketplace?<\/h3>\n\n\n\n<p>A Payment Institution is a company authorized by the ACPR to provide payment services: executing payment transactions (cards, bank transfers, direct debits, etc.), acquiring on behalf of merchants, and issuing payment instruments (payment cards, electronic money accounts, etc.).<\/p>\n\n\n\n<p>These institutions are subject to strict compliance with the rules imposed by the regulator (segregation and protection of customer funds, anti-money laundering, regular reporting, etc.). In other words, it is a full-fledged profession where regulatory rigor is as important as technology. <\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-left\"><strong>Accepting payments on your marketplace: three options<\/strong><\/h2>\n\n\n\n<p>The choice of model determines a platform&#8217;s technological and business trajectory.<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">Becoming an Agent for a Payment Institution<\/h3>\n\n\n\n<p>The agent acts in the name and on behalf of an authorized payment institution. It can distribute and use its payment solutions without having its own license. The agent must be registered with the ACPR (French Regulatory Authority for the Protection of Payments), train its teams, and apply the AML\/CFT rules defined by the payment institution.  <\/p>\n\n\n\n<p>This model is suitable for marketplaces that want to quickly access the market while maintaining a compliant framework for collecting payments and proximity to their merchants.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Integrating a Marketplace-Ready PSP<\/h3>\n\n\n\n<p>Companies like Stripe or CentralPay offer an API and modules designed for marketplaces. The partner PSP manages compliance and flow orchestration themselves, without regulatory constraints for the platform. <\/p>\n\n\n\n<p>This model is suitable for launching or developing an early-stage B2B or B2C marketplace, benefiting from the necessary functionalities (split, payouts, onboarding, KYC\/KYB, etc.), but without an internal regulatory team.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-left\">PE Authorization<\/h3>\n\n\n\n<p>Some platforms choose to become Payment Institutions themselves to internalize their flow management. This model provides complete control, but requires a significant investment in capital, governance, and compliance. <\/p>\n\n\n\n<p>This model is suitable for marketplaces with a robust back office and specialized teams capable of managing the entire payment and compliance system.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Marketplace payment isn&#8217;t just a technical issue. It&#8217;s the entire infrastructure that supports your business model, ensures the trust of online sellers, and secures growth. <\/p>\n\n\n\n<p>Furthermore, McKinsey 2024\u00b2 projections confirm the rise of services such as instant transfers, paving the way for real-time payouts to merchants, a reduction in the risk of fraud, and better cash flow management. The question is no longer &#8220;which PSP should I choose?&#8221; but &#8220;which payment model can support my growth over the next five years?&#8221; <\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--2\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/how-does-centralpay-optimize-marketplace-payment\/\" style=\"border-radius:10px\">Also read: How does CentralPay optimize marketplace payment? \u279c<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>&#8212;&#8211;<\/p>\n\n\n\n<p>\u00b9 Mirakl &#8211; State of Online Marketplace Adoption (2022)<br>\u00b2 McKinsey &#8211; Global payments in 2024: Simpler interfaces, complex reality (2024)<\/p>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BlogPosting\",\n  \"name\": \"Marketplace Payments : a growth driver for platforms\",\n  \"headline\": \"Marketplace Payment : the strategic heart of B2B and B2C platforms\",\n  \"datePublished\": \"June 19, 2024\",\n  \"dateModified\": \"June 19, 2024\",\n  \"description\": \"Discover how to manage B2B and B2C marketplace payments: challenges, regulations, split payments, payouts, etc.\",\n  \"image\": {\n  \"@type\": \"ImageObject\",\n  \"height\": \"600\",\n  \"width\": \"1000\",\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/wp-content\/uploads\/2025\/10\/article-paiement-marketplace-3.jpg\"\n  },\n  \"author\": {\n  \"@type\": \"Person\",\n  \"name\": \"CentralPay\"\n  },\n  \"publisher\": {\n  \"@type\": \"Organization\",\n  \"name\": \"CentralPay\",\n  \"logo\": {\n  \"@type\": \"imageObject\",\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/assets\/images\/logo.png\"\n  }\n  },\n  \"mainEntityOfPage\": true,\n  \"url\": \"https:\/\/centralpay.dev.innovest.fr\/en\/blog\/marketplace-payment-the-strategic-heart-of-b2b-and-b2c-platforms\/\"\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>One in three online purchases is now made on a marketplace\u00b9. Behind this growth, a single lever structures the entire process: marketplace payment. <\/p>\n<p>Platforms, which sometimes handle thousands of transactions per day, must master every detail. Because payment determines everything: the buyer experience, the fluidity of financial flows, and the merchants&#8217; trust. Ignoring this dimension exposes you to regulatory, operational, and economic bottlenecks.  <\/p>\n","protected":false},"author":4,"featured_media":57759,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[207],"tags":[],"class_list":["post-57784","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-marketplace-en"],"acf":[],"_links":{"self":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/57784","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/comments?post=57784"}],"version-history":[{"count":1,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/57784\/revisions"}],"predecessor-version":[{"id":61918,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/posts\/57784\/revisions\/61918"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media\/57759"}],"wp:attachment":[{"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/media?parent=57784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/categories?post=57784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centralpay.dev.innovest.fr\/fr\/en\/wp-json\/wp\/v2\/tags?post=57784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}