Powering multi-party payments across the US and Europe

Mangopay provides payment infrastructure for marketplaces and platforms that manage money between multiple parties. With programmable wallets and a connected ledger, platforms can track funds, split payments, allocate fees, reconcile transactions and manage payouts. It gives businesses control over what happens to the money behind every order, not just the payment at checkout.

Wallet-first payment infrastructure uses wallets to organize how money moves between buyers, sellers, partners and the platform. Instead of treating payment acceptance and payout as one step, wallets help track balances, assign funds to the right people or businesses, and manage fees, transfers and payouts within a single payment flow.

A payment processor handles the transaction at checkout. Mangopay helps platforms manage the more complex steps around and after that payment: tracking balances, allocating money to different parties, matching transactions and managing payouts. Mangopay can work alongside supported payment processors, so platforms do not have to rebuild their entire payment setup to gain more control.

Yes. Mangopay Echo connects payment acceptance through supported providers with Mangopay's wallet and ledger infrastructure. Your payment provider can continue handling checkout while Mangopay helps manage settlement information, reconciliation, seller balances and payouts. This gives your platform more flexibility without tying every part of its payment operations to one provider.

Mangopay helps platforms allocate money across multiple participants in a transaction. For example, when a buyer purchases from two marketplace sellers, the platform can track each seller's share, account for its commission and manage the resulting balances and payouts. The same approach supports service-provider earnings, partner fees and other multi-party payment flows.

Mangopay brings wallet balances and money movements into a connected ledger, helping finance and operations teams see how incoming funds relate to seller balances, fees, transfers and payouts. With Echo, payment information from supported external processors can also feed into the reconciliation process. This reduces the need to piece together the full picture from separate provider reports and spreadsheets.

Virtual accounts provide identifiable bank details that help connect incoming transfers to the right user or payment flow. For platforms managing USD bank payments, this makes it easier to recognize incoming funds, associate them with the correct balance and reconcile transactions without relying on manual payment-reference matching.

Mangopay's US payment model brings USD bank transfers, wallet balances and payout instructions into a connected flow. Platforms can track what each seller or service provider is owed, organize the movement of funds and keep a clearer record of payouts. The payment options used depend on the platform's specific setup.

Mangopay is built for businesses where money needs to move between more than just a buyer and a merchant. That includes multi-seller marketplaces, on-demand service platforms, booking businesses and software platforms managing seller earnings, commissions or payouts. It is particularly useful when a standard checkout integration does not cover what happens to funds afterward.

Mangopay lets platforms build their fee and commission rules into the way funds are allocated. Instead of managing platform revenue separately from each transaction, businesses can account for their share within the payment flow. This gives them more flexibility to support marketplace commissions and payment-related services as their business model grows.

Yes. Mangopay supports wallet-based payment flows for platforms operating in Europe. For a US-based business entering European markets, Mangopay can help assess the right setup for its European entities, sellers, payment methods and payout needs. US and European payment arrangements are structured around the relevant markets and businesses.

Mangopay combines wallet and payment infrastructure with capabilities for business and identity verification, transaction monitoring and fraud prevention. These help platforms manage funds across multiple participants while applying the checks relevant to their payment model and markets.

Tell us how customers pay today, who needs to receive funds, which payment providers you use and where your business operates. Our team can map your payment flow and show how Mangopay's wallets, reconciliation and payout capabilities could fit your platform.