Marketplace Payment Solutions for the US

Embedded finance solutions for platforms and marketplaces.

StableOne helps US marketplaces, SaaS platforms, and online communities offer marketplace banking and embedded payments to their users without building the infrastructure themselves. For platforms operating in the US, the accounts, payouts, and compliance are already in place, built around US rails and US regulatory requirements from day one.

What we enable

  • White-label or embedded payments with multi-currency accounts for your users
  • Payout and collection tools: pay sellers, collect platform fees, settle in the right currency
  • Support US users with ACH and card-based payments, and international users through global transfers, wherever they operate
  • API connectivity for deep integration into your existing platform
  • Compliance and KYC handled on our side, aligned with the US Bank Secrecy Act and FinCEN requirements

Use cases

  • Freelance or gig economy platforms: let US-based users hold earnings in multiple currencies and withdraw locally, with marketplace payouts that reach them without a traditional bank in the middle
  • E-commerce marketplaces: simplify seller payouts with payment processing that handles FX and settlement together
  • Creator or membership platforms: enable international subscriptions and payments through financial services built into the product experience
  • B2B marketplaces: support multi-currency invoicing and settlements, including split payments for marketplaces with more than one payee, as your supplier and buyer base grows

Benefits for your platform

  • Increase user retention by keeping money movement inside your product through integrated payments for marketplaces
  • Generate additional revenue through payment features built on StableOne's infrastructure
  • Reduce operational complexity and support load with marketplace payment processing handled at the infrastructure level
  • Reduce operational complexity and support load with marketplace payment processing handled at the infrastructure level

We work with US platforms through flexible partnership models, from simple API access to full white-label banking solutions.

Build a global marketplace with banking that scales with you.

How it works

StableOne's infrastructure connects to your platform once — through a single API — and the payment layer is live from there.

1. Connect via API

Your development team integrates StableOne's API into your platform. One connection covers account issuance, collections, multi-currency balances, and payouts. No separate integration per market.

2. Issue accounts under your brand

Your platform issues accounts and IBANs to your users under your own product name. Your users see your brand; StableOne handles the ledgering, issuance, and underlying rails.

3. Collect from buyers

Buyers pay through your platform. Funds land in the platform account structure, with full visibility into what came in, from where, and in which currency.

4. Pay out sellers automatically

Funds are split and released to sellers based on your platform's rules — commission deducted, payouts scheduled, multi-party splits handled automatically. Sellers get paid via ACH, typically within 1–3 business days, with no manual reconciliation.

5. Compliance runs underneath

Every account and transaction goes through KYC/KYB and AML monitoring aligned with the Bank Secrecy Act and FinCEN requirements, handled at the infrastructure level. It was there before the first payment moved.

Frequently asked questions

1. What are marketplace payment solutions and what does StableOne offer US platforms?

These are the infrastructure that lets US platforms collect from buyers, hold funds, and pay out to sellers, across currencies, without building a banking stack. StableOne provides accounts, payment tools, seller disbursements, and compliance handled on our side.

2. How do marketplace payouts work for a US platform on StableOne?

Your platform triggers payouts via API. US sellers receive funds through ACH, and international sellers through local payment methods where available; FX and settlement happen within the same account structure.

3. Can US platforms white-label the payment experience?

Yes. StableOne supports full white-label marketplace banking for US platforms, so your users interact with your brand while StableOne handles accounts, payments, and compliance behind it.

4. What is marketplace payment processing for US platforms?

It covers collecting from buyers, holding platform funds, paying out to sellers via ACH, and reconciling across currencies. StableOne's infrastructure handles each leg, with compliance built around US requirements.