How do split payments work with Ryft on an Esetrix marketplace?

When a customer completes a purchase, Ryft captures the payment and splits it in real time between the marketplace operator and the supplier according to the commission rules configured in Esetrix. The platform fee and the supplier portion are recorded against each transaction at capture, so reconciliation is exact rather than reconstructed after the fact.

What is embedded payments and how does Ryft deliver it?

Embedded payments means the entire checkout experience sits inside the marketplace's own frontend rather than redirecting to a third-party hosted page. Ryft provides pre-built UI components that the marketplace embeds directly. Customers see the marketplace brand throughout, and Esetrix manages the payment orchestration behind the scenes.

How does supplier onboarding work with Ryft and Esetrix?

Suppliers complete identity verification, beneficial ownership checks, and bank account validation through Ryft's onboarding flow. The flow is triggered from the Esetrix supplier portal, and verification status syncs back automatically. Only suppliers who pass all checks can go live on the marketplace and receive payouts.

Which payment methods does the Ryft integration support?

The integration supports Visa, Mastercard, Apple Pay, Google Pay, and open banking payments. The marketplace enables the methods that match its customer base and Esetrix configures the checkout accordingly. Additional methods are added as Ryft expands its coverage.

What happens when a customer requests a refund on a split transaction?

Esetrix recalculates the split across the affected parties, reverses the supplier portion against their next payout, and issues the customer refund through Ryft. The platform fee, the supplier balance, and the customer refund all move in a single reconciled operation. Full, partial, and line-level refunds are all supported.

How long does Ryft integration with Esetrix take to go live?

Typical go-live is 4 to 6 weeks from contract. This covers Ryft account setup, split and fee configuration, embedded checkout integration, supplier onboarding flow, user acceptance testing, and a short soft-launch period before scaling volume.

How does Ryft compare to Stripe Connect for marketplace payments?

Ryft is purpose-built for embedded marketplace payments with real-time split settlement and an FCA-regulated payment facilitator model. Stripe Connect is a broader platform supporting multiple charge models with a global payment method footprint. The choice depends on whether the marketplace prioritises an embedded UK-first experience (Ryft) or global reach and method breadth (Stripe Connect). Esetrix integrates natively with both.

What is the best embedded payment solution for a multi-vendor marketplace?

For UK-based marketplaces that want a fully embedded checkout with real-time split settlement, Ryft is a strong choice because it is purpose-built for marketplaces and regulated by the FCA. Esetrix integrates natively with Ryft for embedded payments, splits, and supplier settlement. Marketplaces that need global coverage may prefer Stripe Connect or Adyen for Platforms, both of which are also natively integrated with Esetrix.

Does Ryft support open banking payments on Esetrix marketplaces?

Yes. Ryft supports open banking payments where customers authorise a direct bank-to-bank transfer. Open banking typically offers lower transaction fees and instant settlement compared to card payments. The Esetrix integration treats open banking payments identically to card payments for split, refund, and reconciliation purposes.

How are supplier payouts scheduled with Ryft on Esetrix?

Payout schedules, hold periods, minimum thresholds, and reserves are configured per supplier or per supplier segment in Esetrix. Ryft settles to supplier bank accounts on the configured schedule. Payout statements and balance reports are generated automatically and reconciled against every order in Esetrix.

Is Ryft regulated for marketplace payments in the UK?

Yes. Ryft is authorised by the UK Financial Conduct Authority (FCA) as a payment facilitator. This means Ryft is permitted to process payments on behalf of marketplace suppliers (sub-merchants) under its own regulatory licence, handling onboarding, compliance, and settlement.

Can Esetrix support both Ryft and Stripe Connect on the same marketplace?

Yes. Esetrix supports multiple payment providers on the same marketplace. A marketplace could use Ryft for UK transactions with embedded checkout and Stripe Connect for international transactions with broader payment method coverage, with routing rules configured per geography or supplier segment.

How does Ryft handle chargebacks on marketplace orders?

Chargeback notifications from Ryft flow into Esetrix, route to the responsible supplier, and place a hold against the disputed amount on their next payout. Evidence is collected through the supplier workflow in Esetrix and submitted back for representment. The chargeback, the hold, and the resolution are all recorded against the original order for full audit trail.

Does Esetrix require Ryft for marketplace payments?

No. Ryft is one of several payment providers natively integrated with Esetrix. Marketplaces can also use Stripe Connect, Adyen for Platforms, TrustPay, or a custom payment integration. Ryft is the recommended choice specifically for marketplaces that want a fully embedded checkout with real-time split settlement under an FCA-regulated model.

What is a payment facilitator and how does it apply to Ryft?

A payment facilitator (PayFac) is a regulated entity that processes payments on behalf of sub-merchants on a platform. Ryft operates as an FCA-authorised PayFac, which means the marketplace does not need its own acquiring licence. Ryft handles supplier onboarding, compliance, payment processing, and settlement under its regulatory umbrella.

Ryft connector

Embedded payments, real-time splits, and supplier settlement. Native on Ryft.

Esetrix ships with a native Ryft connector. Customer payments capture and split in real time, suppliers onboard with identity verification, and payouts settle to bank accounts on schedule. No redirects, no third-party branding, no bespoke payments engineering.

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What the connector delivers

Native

Ryft embedded payments API

4 to 6 wks

From contract to go-live

Real-time

Split settlement at capture

FCA

UK-regulated payment facilitator

At a glance

What is the Esetrix Ryft integration?

The Esetrix Ryft integration is a native payments connector that brings embedded checkout, real-time split payments, and automated supplier settlement into Esetrix marketplace infrastructure. Ryft is authorised by the UK Financial Conduct Authority as a payment facilitator, providing a fully embedded payment experience where the buyer never leaves the marketplace. The integration covers real-time split settlement at capture, supplier identity verification and onboarding, cards, wallets, and open banking, multi-currency acceptance, 3DS2 Strong Customer Authentication, orchestrated refunds, automated supplier payouts, and full lifecycle reconciliation. Marketplace operators typically go live in 4 to 6 weeks.

Capabilities

Embedded payments for every marketplace transaction. Orchestrated by Esetrix.

Real-time splits, embedded checkout, supplier onboarding, cards, wallets, open banking, multi-currency, fraud, refunds, payouts, and reconciliation. All native, all reconciled to a single marketplace ledger.

Real-time split payments

Every marketplace order is split between the operator and supplier at the moment of capture. Commission, platform fees, and supplier portions are calculated by Esetrix and executed through Ryft so settlement is immediate and reconciliation is exact from the first transaction.

Embedded payment experience

Ryft's embedded checkout components sit directly inside the marketplace frontend. Customers pay without redirect or third-party branding. Esetrix manages the payment flow behind the scenes while the marketplace retains full control of the buyer experience.

Supplier onboarding and verification

Suppliers onboard through Ryft's verification flow with identity checks, beneficial ownership, and bank account validation. Status syncs back to Esetrix so only verified suppliers can go live and receive payouts on the marketplace.

Cards, wallets, and open banking

Visa, Mastercard, Apple Pay, Google Pay, and open banking payments. The marketplace enables the methods relevant to its customer base and Esetrix configures the checkout accordingly.

Multi-currency acceptance

Accept in multiple presentment currencies and settle to the marketplace and suppliers in their local currencies. Ryft handles the foreign exchange and Esetrix reconciles presentment, settlement, and payout amounts against every order.

3DS2 and fraud prevention

Strong Customer Authentication through 3D Secure 2 with intelligent exemptions to reduce checkout friction. Ryft's risk engine screens transactions and Esetrix records the authentication outcome against every order for full audit trail.

Split refunds, orchestrated

Full, partial, and line-level refunds are handled through the marketplace workflow. Esetrix recalculates the split, reverses the supplier portion, and issues the refund through Ryft so the customer, the supplier ledger, and the platform fee reconcile in one operation.

Automated supplier payouts

Payout schedules, hold periods, reserves, and minimum thresholds are configured per supplier or per segment. Ryft settles to supplier bank accounts on schedule. Payout statements are generated automatically and reconciled in Esetrix.

Reconciliation and reporting

Captures, splits, refunds, chargebacks, and payouts flow from Ryft into Esetrix and reconcile against every order, commission, and supplier transfer. Finance teams work from one ledger across the full marketplace lifecycle.

Architecture

How data flows between Ryft and your Esetrix-powered marketplace.

Ryft owns payment capture, split settlement, and supplier payouts. Esetrix owns the marketplace rules: commission, fees, refunds, and reconciliation. The two stay in lockstep through a native, event-driven integration.

Esetrix→Ryft

Orders and payment requests
Split rules and platform fees
Customer and billing data
Refund and cancellation requests
Payout schedules and reserves
Supplier onboarding triggers

Ryft→Esetrix

Capture and settlement confirmations
Supplier verification status
Chargeback and dispute events
Payout completion notifications
Balance and settlement reports
Open banking payment confirmations

Embedded and immediate. Payments capture and split in real time through Ryft's embedded components. No redirects, no batched settlement. Suppliers see funds in their ledger at the moment of capture. Finance teams reconcile from one source of truth.

Implementation

Four steps from Ryft contract to marketplace live.

Esetrix runs the integration end to end against the marketplace's Ryft platform account. No bespoke payments engineering team required.

Connect the marketplace Ryft account

Authorise the Esetrix connector against the marketplace's Ryft platform account. Esetrix provisions API keys, webhook endpoints, and reporting feeds. No bespoke payments engineering required on the marketplace side.

Configure splits, fees, and payment methods

Define platform fees, commission, payout cadence, and hold periods per supplier segment. Select the payment methods and embedded checkout components to offer. Esetrix writes the configuration and surfaces it in the marketplace admin.

Launch supplier onboarding

Suppliers complete identity verification and bank account validation through Ryft's onboarding flow, triggered from the Esetrix supplier portal. Status flows back so only verified suppliers go live.

Go live. Payments and settlements flow end to end

Orders capture and split through Ryft in real time. Refunds and disputes route through the marketplace workflow. Payout and settlement feeds reconcile against every order and every supplier transfer in Esetrix.

Ready to run your marketplace payments on Ryft and Esetrix?

A technical briefing with the Esetrix team covering the Ryft integration, embedded checkout, split settlement, and how it maps to your marketplace model.

Request a technical briefing

Questions

What marketplace operators usually ask about the Ryft connector.

Ryft is a UK-regulated embedded payment infrastructure provider designed for marketplaces and platforms. Marketplaces use Ryft because it offers real-time split payments at capture, an embedded checkout that keeps the buyer inside the marketplace experience, supplier onboarding with identity verification, and automated settlement to supplier bank accounts. Ryft is authorised by the FCA as a payment facilitator.