How does escrow work on an Esetrix-powered marketplace with TrustPay?

When a customer pays, TrustPay captures the funds into a regulated escrow account rather than settling immediately to the marketplace or supplier. Esetrix monitors fulfilment events and sends a release instruction to TrustPay when the configured conditions are met, such as delivery confirmation, a time-based window, or manual operator approval. Only then are funds split and released to the supplier.

How are payments split between the marketplace and suppliers with TrustPay?

Splits are calculated against the commission and fee rules configured in Esetrix and executed through TrustPay at the point of escrow release. The marketplace fee and the supplier portion are recorded against each transaction so reconciliation is exact. The split configuration can vary by supplier, category, or order value.

What KYC checks does TrustPay perform on marketplace suppliers?

TrustPay performs identity verification, beneficial ownership checks, sanctions screening, and bank account validation as part of supplier onboarding. The process is triggered from the Esetrix supplier portal and verification status syncs back automatically. Only suppliers who pass all checks can go live and receive payouts.

Which payment methods does the TrustPay integration support?

The integration supports major card schemes (Visa, Mastercard), SEPA direct debit, European bank transfers, and local payment methods across EU member states. The marketplace enables the methods that match its customer base and Esetrix configures the checkout accordingly.

What happens when a customer requests a refund on an escrowed transaction?

If the funds are still held in escrow, the refund releases directly back to the customer with no supplier involvement needed. If the funds have already been released to the supplier, Esetrix recalculates the split, reverses the supplier portion against their next payout, and issues the customer refund through TrustPay. Partial and line-level refunds are both supported.

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

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

Is TrustPay suitable for cross-border European marketplaces?

Yes. TrustPay is licensed across the EU and supports multi-currency transactions with settlement in the marketplace's base currency. Suppliers in different countries can receive payouts in their local currency. PSD2 compliance and Strong Customer Authentication are built in for all European transactions.

What is the best payment gateway for a marketplace that needs escrow?

For European marketplaces that require regulated escrow, TrustPay is a strong choice because it is a licensed payment institution under PSD2 with native escrow capabilities. Esetrix integrates natively with TrustPay for escrow, split payments, and supplier payouts. Marketplaces that do not require escrow may prefer Stripe Connect or Adyen for Platforms, both of which are also natively integrated with Esetrix.

What is the difference between TrustPay escrow and Stripe Connect for marketplace payments?

TrustPay provides regulated escrow where customer funds are held in a protected account until fulfilment is confirmed. Stripe Connect uses application fees and transfers to split payments between the platform and connected accounts without a formal escrow hold. The choice depends on whether the marketplace requires regulated fund custody (TrustPay) or prefers real-time split settlement (Stripe Connect). Esetrix integrates natively with both.

How does TrustPay handle chargebacks on marketplace orders?

Chargeback notifications from TrustPay flow into Esetrix, route to the responsible supplier, and place a hold against the disputed amount. Evidence is collected through the supplier workflow and submitted back to TrustPay. If funds are still in escrow at the time of the dispute, the hold is applied against the escrow balance rather than requiring a recovery from the supplier.

What are escrow release triggers and how are they configured?

Escrow release triggers are the conditions that must be satisfied before customer funds are released from escrow to the supplier. Common triggers include delivery confirmation from the carrier, expiry of a dispute window (for example 14 days after delivery), or manual approval by the marketplace operator. Triggers are configured per marketplace or per supplier segment in Esetrix and enforced through the TrustPay API.

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

Yes. Esetrix supports multiple payment providers on the same marketplace. A marketplace could use TrustPay for transactions that require regulated escrow and Stripe Connect for standard split payments, with routing rules configured per supplier segment, geography, or transaction type.

Does Esetrix require TrustPay for marketplace escrow?

No. TrustPay is one of several payment providers natively integrated with Esetrix. Marketplaces that do not need escrow can use Stripe Connect, Adyen for Platforms, Ryft, or a custom payment integration. TrustPay is the recommended choice specifically for marketplaces that require PSD2-regulated escrow custody.

How are supplier payouts scheduled with TrustPay on Esetrix?

Payout schedules, hold periods, minimum thresholds, and reserves are configured per supplier or per supplier segment in Esetrix. Once escrow release conditions are met, TrustPay releases funds on the configured schedule. Payout statements and balance reports are generated automatically and reconciled against every order in Esetrix.

Is TrustPay PSD2 compliant for European marketplace transactions?

Yes. TrustPay is a licensed payment institution authorised under PSD2. All European transactions processed through the Esetrix TrustPay integration include Strong Customer Authentication via 3D Secure 2, with exemptions applied where permitted to reduce checkout friction.

TrustPay connector

Regulated escrow, split payments, and supplier payouts. Native on TrustPay.

Esetrix ships with a native TrustPay connector. Customer payments are captured into regulated escrow, split on fulfilment, and released to suppliers on schedule. KYC, refunds, disputes, and reconciliation run end to end from a single marketplace ledger.

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What the connector delivers

Native

TrustPay escrow API

4 to 6 wks

From contract to go-live

EU PSD2

Licensed payment institution

Escrow

Funds held until fulfilment confirmed

At a glance

What is the Esetrix TrustPay integration?

The Esetrix TrustPay integration is a native payments connector that brings regulated escrow, split payments, and automated supplier payouts into Esetrix marketplace infrastructure. Customer funds are captured into a PSD2-regulated escrow account and held until configurable release conditions are met, such as delivery confirmation or dispute window expiry. On release, funds are split between the marketplace operator and suppliers according to the commission rules defined in Esetrix. The integration also covers supplier KYC and onboarding, multi-currency settlement, European payment methods, PSD2-compliant Strong Customer Authentication, escrow-aware refunds, and full lifecycle reconciliation. Marketplace operators typically go live in 4 to 6 weeks.

Capabilities

Regulated escrow for every marketplace payment. Orchestrated by Esetrix.

Escrow, split payments, supplier KYC, European payment methods, multi-currency, PSD2 compliance, refunds, payouts, and reconciliation. All native, all reconciled to a single marketplace ledger.

Split payments at the transaction

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 natively through TrustPay so reconciliation is exact from the first transaction.

Escrow with configurable release triggers

Customer funds are held in a regulated escrow account until fulfilment conditions are met. Release triggers are configurable per marketplace: delivery confirmation, dispute window expiry, or manual approval. Funds never reach suppliers until the buyer is protected.

Supplier KYC and onboarding

TrustPay handles supplier identity verification, beneficial ownership checks, and bank account validation as part of marketplace onboarding. Verification status syncs back to Esetrix so only compliant suppliers can receive payouts.

European payment methods

Cards, SEPA direct debit, bank transfers, and local European payment methods. The marketplace enables the methods relevant to its customer base and Esetrix configures the checkout accordingly.

Multi-currency settlement

Accept payments in multiple currencies, settle in the marketplace's base currency, and pay out to suppliers in theirs. TrustPay handles the foreign exchange and Esetrix reconciles presentment, settlement, and payout amounts against every order.

PSD2 and Strong Customer Authentication

Full PSD2 compliance with 3D Secure 2 for European transactions. Exemptions applied where permitted to reduce friction. TrustPay manages the authentication flow and Esetrix records the outcome against every order.

Escrow-aware refunds

Full, partial, and line-level refunds are handled through the marketplace workflow. If funds are still in escrow, the refund releases directly to the customer. If funds have been disbursed, Esetrix recalculates the split and reverses the supplier portion.

Automated supplier payouts

Payout schedules, hold periods, reserves, and minimum thresholds are configured per supplier or per segment. TrustPay releases funds from escrow on schedule once release conditions are satisfied. Payout statements are generated automatically.

Reconciliation and reporting

Escrow balances, captures, releases, refunds, and payouts flow from TrustPay 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 TrustPay and your Esetrix-powered marketplace.

TrustPay owns payment capture, escrow custody, and supplier settlement. Esetrix owns the marketplace rules: splits, commission, release triggers, refunds, and reconciliation. The two stay in lockstep through a native, event-driven integration.

Esetrix→TrustPay

Orders and payment requests
Split rules and commission rates
Customer and billing data
Refund and cancellation requests
Escrow release instructions
Supplier onboarding triggers

TrustPay→Esetrix

Capture and escrow hold confirmations
Supplier KYC verification status
Escrow release and payout events
Refund completion notifications
Balance and settlement reports
Chargeback and dispute events

Escrow protects both sides. Customer funds are held in a regulated account until fulfilment is confirmed. Suppliers are paid only when the marketplace authorises release. One ledger tracks capture, hold, release, and payout against every order.

Implementation

Four steps from TrustPay contract to marketplace live.

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

Connect the marketplace TrustPay account

Authorise the Esetrix connector against the marketplace's TrustPay merchant account. Esetrix provisions API credentials, webhook endpoints, and reporting feeds. No bespoke payments development required on the marketplace side.

Configure escrow rules, splits, and methods

Define commission rates, escrow release triggers, hold periods, and payout cadence per supplier segment. Select the payment methods to offer at checkout. Esetrix writes the configuration and surfaces it in the marketplace admin for ongoing control.

Launch supplier onboarding and KYC

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

Go live. Escrow, splits, and payouts flow end to end

Orders capture into escrow, release on fulfilment confirmation, and split to suppliers on schedule. Refunds, disputes, and payout reconciliation run through a single marketplace ledger shared between Esetrix and TrustPay.

Ready to run your marketplace payments on TrustPay and Esetrix?

A technical briefing with the Esetrix team covering the TrustPay integration, escrow architecture, and how it maps to your marketplace model.

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Questions

What marketplace operators usually ask about the TrustPay connector.

TrustPay is a licensed European payment institution regulated under PSD2. Marketplaces use TrustPay because it provides regulated escrow, meaning customer funds are held in a protected account until fulfilment conditions are met. This protects buyers, reduces chargeback risk, and ensures suppliers are paid only when the marketplace confirms delivery or the dispute window closes.