Payment infrastructure for platforms

Collect. Split.
Pay outbefore sundown.

Wozapay is the payment layer behind marketplaces, SaaS and platforms: one API to charge buyers, split every sale and send sellers their money — with onboarding, compliance and fraud handled for you.

median payout time
< 24h
median payout time
checkout uptime
99.99%
checkout uptime
seller onboarding
4 min
seller onboarding
wz_1Kd83aQPayment captured

€1,240.00

Seller payout€1,153.20
Your platform fee€86.80
Auto-split · 7%
Instant seller onboardingSplit paymentsHosted checkoutCustom domainsWebhooks3-D SecureDispute handlingMulti-currencyKYC includedPayout schedules

01 — The flow

One sale, four beats, zero spreadsheets.

From the buyer's card to the seller's bank account, every hop is orchestrated, recorded and visible — for you and for your sellers.

  1. Checkout

    The buyer pays on your hosted, branded checkout — your logo, your domain, 3-D Secure when needed.

    POST /v1/checkout-sessions

  2. Split

    The sale is split at capture time: seller share, platform fee, taxes. No manual reconciliation, ever.

    fee: 7% → platform

  3. Ledger

    Every cent lands in a double-entry ledger you can query, export and audit — per seller, per order, per day.

    GET /v1/balance

  4. Payout

    Sellers get paid on the schedule you define — daily, weekly or on demand — with statements they understand.

    payout.paid ✓

02 — Capabilities

Everything a platform needs, nothing it doesn't.

Hosted checkout

A conversion-tuned payment page on your domain, with your branding, Apple Pay and 3-D Secure built in. No PCI burden on your side.

checkout

Seller onboarding

Sellers sign up, verify identity and connect a bank account in minutes. KYC/KYB runs behind the scenes.

onboarding

Programmable splits

Fixed, percentage or tiered platform fees, decided per transaction at capture time.

splits

Payout engine

Daily, weekly or on-demand payouts with clean statements and full traceability back to each order.

payouts

Risk & disputes

Fraud screening, chargeback intake and evidence workflows handled inside the platform — with alerts before disputes land.

risk

Webhooks & events

Signed, retried, idempotent. Every state change on sessions, orders and payouts reaches your backend.

events

03 — Pricing

One transparent take rate. You keep the rest.

No setup fee, no monthly fee, no hidden FX padding. Wozapay earns a slice of each successful sale — drag the slider to see the math on your volume.

€50,000
€1k€1M
€80
€5€1000

Platform commissions you charge your sellers are yours — Wozapay only prices the payment.

Wozapay fee (2.4% + €0.25 / tx)

€1,356.25

You keep

€48,644

625 transactions

Start with this rate

04 — Who it's for

Built for the people who move money for others.

Marketplaces

Many sellers, one checkout

Onboard thousands of sellers, collect once per order and split across everyone involved — shipping included.

  • Per-seller ledgers
  • Order-level splits
  • Scheduled payouts

SaaS platforms

Payments as a feature

Let your customers charge their own clients inside your product, while you take a platform fee on every transaction.

  • White-label checkout
  • Custom domains
  • Usage-based fees

Ticketing & events

Peaks without the panic

Sell out a drop in minutes with a checkout that holds under load, then settle organisers the morning after.

  • Burst-proof capture
  • Refund workflows
  • Fast organiser payouts
wozapay — sandbox
$ curl https://api.wozapay.com/v1/checkout-sessions \
-u sk_live_...: \
-d amount=124000 -d currency=eur \
-d seller=acct_9f3k2 -d fee_bps=700
{
"id": "wz_1Kd83aQ",
"url": "https://pay.yourbrand.com/wz_1Kd83aQ",
"split": { "seller": 115320, "platform": 8680 },
"status": "open"
}

05 — Developers

An API you can read over morning coffee.

Predictable REST, typed webhooks, idempotency everywhere. Create a checkout session with one call — Wozapay handles capture, split and payout from there.

REST + JSON
Plain resources, cursor pagination, versioned changes.
Signed webhooks
HMAC-signed events with automatic retries and replay protection.
Idempotency keys
Safe retries on every write endpoint, no double charges.
Sandbox first
A full test mode with fake sellers, cards and payouts.

06 — Trust

Boring where it matters, brilliant where it counts.

Payments are held to bank-grade standards: encrypted at rest, monitored around the clock, compliant by construction.

0.00%

checkout uptime over the last 12 months

0ms

median API response time

0+

countries where buyers can pay

  • PCI DSS via certified processors
  • 3-D Secure 2
  • GDPR-ready
  • AES-256 at rest
  • KYC / KYB screening
  • 24/7 monitoring

07 — FAQ

Asked, answered, in plain words.

Most platforms integrate the hosted checkout in a day and go live the same week. Seller onboarding, KYC and payouts work out of the box — you only wire up your catalog and webhooks.

Funds are held with regulated payment partners, segregated from Wozapay's own accounts. Your platform never touches the money in transit, which keeps you outside most licensing burdens.

You set a fee per transaction — fixed, percentage or both. It's deducted at capture time and lands in your platform balance, paid out on your own schedule.

Refunds reverse the original split automatically, including your fee if you choose. Chargebacks come with an evidence workflow and alerts so you can respond before deadlines.

Yes. Each seller — or your whole platform — can serve the checkout from a custom domain with automatic TLS.

A full test mode mirrors production: fake sellers, test cards, simulated payouts and the same webhooks. Switch to live keys when you're ready.

Tomorrow's payouts start with today's signup.

Open your platform account, invite your first seller and run a live sale before the day ends.

No credit card required — sandbox included.