Many sellers under one storefront
The buyer sees one brand and one cart, while the goods and services in it belong to different sellers: companies, sole proprietors and private contractors. The platform accepts the payment.
Marketplaces
Acquiring for a marketplace: the buyer pays the platform by card or SBP, the platform keeps its commission and settles with sellers through payouts. Acceptance, payouts, safe deal and 54-FZ receipts under one contract.
Fees from 2.9% PCI DSS 4.0.1
Mulenpay
TechStore shop
Order #7824 · marketplace.mulenpay.com
Pro headphones
1 pc.
Split payment
- To seller5,701.00 RUB
- To marketplace189.00 RUB
To pay1,890.00 RUB
PCI DSS COMPLIANT
How money moves on a platform
What a marketplace is from a payments point of view
A regular store takes money for its own goods. A platform takes money for someone else's, and the payment does not end there
Splitting the amount
From every payment the platform keeps its commission, and the rest is due to the seller. The platform sets the splitting rules: a percentage, a fixed amount, different terms for different categories.
Payouts to sellers
The amounts due go to sellers as bulk card payouts: by register from the dashboard or by event via the API, to one seller or to everyone at once for a period.
Safe deal
For platforms with services and private sellers: the buyer's money is held until the order is confirmed as fulfilled, and only then goes to the seller.
Payment on the storefront
One payment form for all sellers on the platform
The buyer pays for the whole order at once, even if the items come from three different sellers. The form opens on the site, in the app or on a MulenPay page and accepts Visa, Mastercard and MIR cards, SBP by QR code, SberPay and T-Pay. Cards from overseas banks are enabled separately.
Ready-made payment form
Embedded with the widget or called through the API. Colours, fonts and the order of payment methods are tailored to the platform's brand so the buyer does not notice the handover to payment.
- Colours and fonts to match the platform's brand
- On the site, in the app or on a MulenPay page
marketplace.mulenpay.com
1,890.00 RUB
TechStore shop
Order #7824 · marketplace.mulenpay.com
Pro headphones
1 pc.
Split payment
- To seller5,701.00 RUB
- To marketplace189.00 RUB
CardSBP
Payment flow
How a payment goes through a marketplace
From the buyer's payment to money on the seller's card
1. The buyer pays for the order
Picks a method in the payment form and confirms the payment: via 3-D Secure for a card or in the banking app for SBP.
2. The platform receives the status
A webhook arrives on your server, the order in the platform's system is marked as paid, and the seller sees it in their section.
3. The seller fulfils the order
Ships the goods or provides the service. If safe deal is enabled, the money is still being held at this point.
4. The platform settles
Keeps its commission and sends the seller a payout to their card. The payout status also arrives as a webhook.
Onboarding
How acquiring for a marketplace is connected
A platform almost always integrates through the API: it has its own logic for orders, sellers and settlements
REST API
Creating a payment, requesting a status, a refund and a payout: every operation is available through the REST API. Documentation with request examples is open at docs.mulenpay.com.
Webhooks
Notifications about payments, refunds and payouts arrive on your server so the platform does not have to poll statuses by hand.
Refunds
A full or partial refund for a specific operation from the dashboard or via the API: for example, when one item in an order is cancelled.
Form or widget
If you would rather not build the payment form yourself, the widget connects with one script, and the API stays for statuses and payouts.
Receipts
54-FZ receipts on a marketplace
Who issues the receipt to the buyer, the platform or the seller, depends on your working model: discuss it with your manager during onboarding
Cloud online cash register
Receipts are issued by a cloud online cash register that we connect together with payment acceptance. The platform needs no hardware of its own.
A receipt for every payment
The receipt goes to the buyer automatically after a successful payment; nothing has to be issued by hand.
Receipts next to operations
Every receipt is stored in the dashboard together with the payment and can be downloaded when the buyer or your accountants ask for it.
Terms
Terms for marketplaces
Starting rates are public; final rates depend on the platform's turnover and are fixed in the contract
From 2.9% per payment
Russian bank cards, SBP, SberPay and T-Pay. Foreign cards from 8.9%, enabled separately.
10–300,000 ₽ per operation
The limit for a single buyer payment. A larger order is split into several payments.
No monthly fee
Setup, integration and the dashboard are free. The platform pays a percentage of successful payments.
Connected in 1 day
Keys, access to the documentation and the first test payment within one business day. The integration timeline depends on your team.
MulenPay provides software and infrastructure solutions. The service does not offer financial, payment, banking or investment services in its own name: all financial operations are carried out by licensed providers and partners. Final terms and rates are set out in the contract.
Who it is for
Which platforms connect marketplace acquiring
Any model where the buyer pays the platform and the money is due to someone else
Services marketplace
Repairs, cleaning, tutors, craftspeople: the customer pays the platform upfront, the contractor receives a payout once the work is confirmed. Safe deal covers disputed cases.
Delivery aggregator
Orders from many restaurants and stores in one app: a single buyer payment, settlement with the venue and the courier by payouts at the end of the day.
Platform with private sellers
Goods from individuals: the buyer pays the platform by card, the money is held until the goods are received, then goes to the seller's card.
Dashboard
Payments and payouts of every seller in one dashboard
A platform needs to see not only how much buyers paid, but also how much went to sellers and how much it kept
Analytics
Platform turnover, the share of each payment method and form conversion for any period.
Operations and payouts
Payments, refunds and payouts to sellers with statuses, register exports for reconciliation with sellers.
Search by email / ID / phoneMethod Status 
Export
Export| Status | ID | Method | Amount | Fee | Date | Actions |
|---|---|---|---|---|---|---|
| Processed | a1f2–9c4e | Card | 12 400 RUB | 396 RUB | 28.05.2026, 09:24 | Receipt |
| Pending | 8b3e–07a1 | SBP | 3 050 RUB | 89 RUB | 28.05.2026, 08:34 | Callback |
| Processed | 47dc–11b8 | Bank | 6 030 RUB | 175 RUB | 27.05.2026, 18:39 | Receipt |
| Processed | 2722–3523 | Card | 40 900 RUB | 1 187 RUB | 27.05.2026, 09:03 | Callback |
| Cancelled | 2863–444f | Card | 3 090 RUB | — | 26.05.2026, 08:04 | Receipt |
‹123…21›
Sample payment listSecurity
Buyers' data never passes through the platform
Card details are entered in the MulenPay form and never reach the platform's servers, so the platform needs no certification of its own. Payment data protection is confirmed by a PCI DSS 4.0.1 certificate, and card payments are confirmed via 3-D Secure.
Questions and answers
Frequently asked questions about marketplace acquiring
The buyer's payment goes to the platform in full. The platform then keeps its commission under its own rules and sends the seller their share as a card payout: by register from the dashboard or automatically via the API. The splitting rules live on the platform's side, so they can be changed without reconfiguring acquiring.
With bulk card payouts. The register of recipients is uploaded in the dashboard or passed via the API on an event: a fulfilled order, the end of the day, a schedule. The status of every payout is visible in the dashboard and arrives as a webhook.
Yes, that is what safe deal is for: the buyer's funds are held until it is confirmed that the goods were received or the service provided, and only then go to the seller. It suits services platforms and platforms with private sellers.
Acquiring is connected by the platform: it accepts payments and settles with sellers. Whether anything is needed from the sellers themselves depends on the working model: the manager sends the list of documents after your application.
It depends on how the platform works with its sellers. Technically, receipts for every payment are issued automatically by a cloud online cash register; how to distribute them between the platform and the sellers is something to discuss with your manager during onboarding.
From 2.9% per payment for Russian bank cards, SBP, SberPay and T-Pay and from 8.9% for foreign cards. Setup, integration and the dashboard are free, and there is no monthly fee. The final rate depends on the platform's turnover and is fixed in the contract.
Further reading
More on settlements on a platform
Pricing and the fee calculator
The calculator works out the fee from the platform's turnover and average order.
Bulk payouts
How to send payouts to sellers by register and via the API and track their statuses.
Safe deal
Holding funds until the order is fulfilled: how it is connected and who it suits.
Payment API
Creating a payment, webhooks, refunds and payouts for the platform's own system.
What makes up the fee
Who gets their share in the payment chain and for what, and what affects the rate.
Payment modules for CMS
If the platform's storefront is built on a ready-made platform, payments are connected with a module.
Connect acquiring for a marketplace
Leave a request: we will discuss the settlement model with your sellers and launch payment acceptance within one business day.
Telegram bot
@mulen_support_bot
Quick answers 24/7
Contacts and departments
All contact channels
Six departments, response times and company details
Leave a request
Fill out the form — a manager will get in touch, tailor the terms and help with the integration.
