Move Money Between Buyers and Sellers With Modern Treasury

Marketplace payments are the flows that move money from a platform's buyers to its sellers, providers, or contractors, with the platform's fee taken along the way. Fixture, a marketplace for commercial cleaning crews, debits property managers by ACH, holds each crew's earnings in its own sub-account, keeps its 8% fee, and pays crews the same day over RTP. The platform never touches a bank integration.

Each seller gets a sub-account with its own account number when they onboard. Buyer payments settle into it, and you trigger payouts to the seller's external bank on your schedule, daily, weekly, or on demand, over ACH, same-day ACH, RTP, FedNow, wire, or push-to-card. Returns and failed payouts post back to the original payment order automatically.

Yes. Split the buyer's payment between the seller's sub-account and your platform account when it lands, or deduct the fee at payout. Either way the fee is attributed per transaction, so seller statements and your revenue come from the same record.

Sub-accounts. Every seller's balance lives in a named account with its own number, rather than as a line in a spreadsheet against one clearing account. Your operating funds never mix with seller funds, and your bank, your auditors, and your sellers can see the segregation.

Structure matters. When Modern Treasury sits in the flow of funds as the payment service provider and seller balances are held in sub-accounts at our partner banks, your platform is not holding customer funds itself. We'll walk your team and your counsel through the account structure and documentation.

No. Use Our Bank Partners and launch in days, not months, with no bank onboarding required. If you already have a bank relationship you need to keep, Bring Your Own Bank runs on the same API.