Marketplaces & Platforms
Introduction
Kopo Pay Connect is the fastest and easiest way to integrate payments into your software platform or marketplace. Whether you're building a SaaS for hair salons, an e-commerce marketplace like Shopify, or a ride-sharing app, Connect handles onboarding, global money movement, and regulatory complexity.
Global Onboarding
Onboard sellers and service providers in 150+ countries with localized KYC/KYB flows.
Flexible Split Payments
Automatically split a single transaction between multiple sellers and take your platform fee.
Connect Account Types
Choose the account type that best fits your platform's user experience and business model.
Express Accounts
Recommended for most marketplaces. Kopo Pay handles the onboarding UI and dashboard for your sellers. Best for low operational overhead.
- Pre-built onboarding UI
- Platform-branded dashboard
- Automatic tax reporting
Custom Accounts
Full control over the entire user experience. Your platform collects the KYC information and provides the dashboard. Requires more development effort and compliance knowledge.
- White-label everything
- Full control over money movement
- API-based data collection
Onboarding Sellers
Use **Account Links** to safely redirect users to Kopo Pay's onboarding flow and back to your site.
const accountLink = await kopopay.accountLinks.create({
account: 'acct_123...',
refresh_url: 'https://example.com/reauth',
return_url: 'https://example.com/return',
type: 'account_onboarding',
});Secure Redirects
Account links expire after use or after a short duration. Never store these links; always generate them on-demand.
Creating Charges
There are three ways to create charges on Connect. **Destination Charges** are the most common.
const paymentIntent = await kopopay.paymentIntents.create({
amount: 10000,
currency: 'usd',
payment_method_types: ['card'],
transfer_data: {
destination: 'acct_123...', // The seller's account ID
},
application_fee_amount: 1230, // Your platform's cut (12.30 USD)
});In a Destination Charge, the platform is the merchant of record, and the funds are automatically transferred to the seller's account minus your fee.
Split Payments
For complex orders involving multiple sellers, use **Separate Charges and Transfers**.
Create the charge on the platform
Charge the customer for the full order amount (e.g., $100).
Create multiple transfers
Transfer $40 to Seller A and $50 to Seller B. The platform keeps the remaining $10.
Payout Schedules
Control when your sellers get paid. You can use Kopo Pay's automatic schedules or trigger manual payouts.
Automatic Daily
Funds are paid out every day as they become available.
Instant Payouts
Push funds to a debit card in seconds (where supported).