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Marketplaces with international sellers need a way to give each seller a dedicated, named collection point so buyer-to-seller payments are attributable, balances are isolated, and each seller’s payout cycle can run from their own accumulated earnings — not from a commingled pool. Tazapay provisions a named Virtual Account per seller (as a sub-entity), so every buyer payment is split into the right seller’s VA at the moment of credit, and per-seller payouts debit each seller’s own balance.

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How Tazapay Helps

Named VA per Seller

Each seller gets their own VA — buyer-side payments are attributed automatically.

Per-seller Balance

Earnings accumulate in the seller’s VA, not in a commingled marketplace pool — clean reconciliation and a bank-grade statement per seller.

Trust/Regulatory Separation

Funds are isolated per seller at the banking layer — useful where client-funds segregation is required.

Per-seller Payouts

Trigger payouts directly from the seller’s VA balance to their bank, on their payout cycle.

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Example: ShopHub Marketplace (UAE)

ShopHub is an Amazon-style marketplace operating in UAE with 50,000+ sellers. A buyer puts three items in their cart from three different sellers and pays AED 300 at checkout: ShopHub charges a 10% commission. Each seller is onboarded as a sub-entity with a named VA. At checkout, ShopHub splits the AED 300 into each seller’s VA (minus commission), so earnings sit in isolated per-seller balances. On each seller’s payout cycle, ShopHub triggers a payout from that seller’s VA balance to their bank account.
1

Onboard each seller as a sub-entity

Seller X, Y, Z are onboarded as sub-entities on ShopHub’s Tazapay account. See Connected Accounts.
2

Provision a named VA per seller

Tazapay provisions a named VA for each seller under their sub-entity (e.g., SELLER_X, SELLER_Y, SELLER_Z).
3

Buyer pays at checkout

Buyer pays AED 300 in one checkout for items from three sellers.
4

Funds split into per-seller VAs at credit

The AED 300 is split at the moment of receipt: AED 90 → Seller X’s VA, AED 72 → Seller Y’s VA, AED 108 → Seller Z’s VA, and AED 30 → ShopHub’s commission account.
5

Earnings accumulate per seller

Across many orders in a payout cycle, each seller’s VA balance grows independently. Each seller sees a bank-grade statement on their own VA.
6

Payout from the seller's VA on cycle

On Seller X’s weekly payout day, ShopHub queries Seller X’s VA balance (say AED 1,847) and triggers a payout from that VA to Seller X’s external bank account. The debit hits Seller X’s earmarked balance — not a pooled pot.

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Flow Diagram

ShopHub marketplace flow

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Why this matters

Clean reconciliation

Each seller has an auditable per-VA statement of credits (orders) and debits (payouts). No need to trust the marketplace’s internal ledger alone.

Regulatory separation

In jurisdictions requiring segregation of customer funds, the per-seller VA structure provides banking-layer separation rather than software-only accounting.

Scales to 50k+ sellers

Each seller is a clean account-shaped object — balance, transaction history, payout endpoint — provided by the banking layer rather than rebuilt in software.

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APIs Involved

Tazapay handles:
  • Per-seller named VA provisioning
  • Per-seller balance accumulation across orders
  • Payout from each seller’s VA on their cycle
  • Compliance, FX, and end-to-end OBO reconciliation