# Marketplace payments

URL: /systems/finance/marketplace-payments · Id: `capability:marketplace-payments`

> Marketplace payments settle each sale on the Supplier’s own connected Stripe account and keep the Marketplace’s take as an application fee.

Marketplace payments settle each sale on the [Supplier](/business/nouns/supplier)’s own connected Stripe account and keep the [Marketplace](/products/templates/marketplace)’s take as an application fee. The platform’s Stripe balance carries money only in transit, never past settlement.

## Contract
| Clause | Terms |
| --- | --- |
| Charge | One destination charge per sale, made on behalf of the Supplier. [`Order.pay`](/business/nouns/order/pay) runs it, and `Order.merchantOfRecord` names the Supplier as seller of record. |
| Supplier’s share | Transfers to the Supplier’s connected account the moment [`Order.pay`](/business/nouns/order/pay) succeeds. |
| Take | The application fee carries the [Startup](/business/nouns/startup)’s take and the platform fee. The platform keeps its fee and transfers the take to the Startup’s own account the same day. |
| Holdback | A payout delay on the Supplier’s own account, never a platform hold. [`Human.hold`](/business/nouns/human/hold) sets it against an open [Dispute](/business/nouns/dispute) or an [Order](/business/nouns/order) inside `Agreement.clearanceDays`. |
| Release | [`Human.release`](/business/nouns/human/release) frees the amount when the Dispute closes or the clearance period ends. |
| Payout | [`Human.remit`](/business/nouns/human/remit) pays the released balance on `Agreement.payoutSchedule`. |
| Refund | [`Order.refund`](/business/nouns/order/refund) reverses the Supplier’s transfer and the application fee in proportion to the amount returned. |
| Tax | The Startup collects as marketplace facilitator where the law names one, and the Supplier collects elsewhere. `Order.tax` records the amount either way. |
| Licensed acts | On a [Licensed-human marketplace](/products/templates/licensed-marketplace), the [Credential](/business/nouns/credential) holder is the Supplier and the seller of record. [`Order.pay`](/business/nouns/order/pay) charges on their behalf. |
| Losses | The platform covers a negative balance on any connected account, and [`Order.screen`](/business/nouns/order/screen) scores every charge first. |

On Stripe’s rail, a destination charge sets Stripe’s own `on_behalf_of` parameter to the Supplier’s account. Every name in the API, the SDK and the registry is camelCase; Stripe’s parameter names appear only where a page explains Stripe itself.

## Verbs
| Verb | Object | Event |
| --- | --- | --- |
| [Order.pay](/business/nouns/order/pay) | [Order](/business/nouns/order) | [`Order.paid`](/business/events/Order.paid) |
| [Order.refund](/business/nouns/order/refund) | [Order](/business/nouns/order) | [`Order.refunded`](/business/events/Order.refunded) |
| [Human.remit](/business/nouns/human/remit) | [Human](/business/nouns/human) | [`Human.remitted`](/business/events/Human.remitted) |
| [Human.hold](/business/nouns/human/hold) | [Human](/business/nouns/human) | [`Human.held`](/business/events/Human.held) |
| [Human.release](/business/nouns/human/release) | [Human](/business/nouns/human) | [`Human.released`](/business/events/Human.released) |

## Interfaces
- [API](/code/api/reference)
- [SDK](/code/sdk/reference)
- [CLI](/code/cli/reference)
- [MCP](/code/mcp/reference)
- Webhooks

## Example
A Marketplace of freelance translators takes 15% of each job. A buyer pays $200: $170 lands on the translator’s account at once, and the $30 take reaches the Startup that day, less the platform fee. The translator’s payout waits seven clearance days after the buyer confirms the job.