Automate split payments and seller payouts.
Stop building custom ledger logic for every new payment flow. NAYA provides the operational infrastructure to track funds across buyers, sellers, and your platform.
The Multi-Party Problem
Scaling a marketplace means managing complex money movements. As volume grows, spreadsheet reconciliation breaks, and generic payment processors don't give you enough visibility into "who owns what".
Complex Splits
Managing dynamic take rates, multi-seller baskets, and refund logic across multiple parties is a nightmare to code manually.
Regulatory Risk
Holding funds in escrow without a clear, immutable ledger puts you at risk of commingling funds and compliance violations.
Data Silos
Your payment processor, your bank account, and your internal database all show different balances. Reconciling them takes days.
Infrastructure for Platforms
Unified Ledger for Escrow
Track every cent that enters your platform. NAYA's Operational Ledger creates a virtual account for every user, seller, and partner, ensuring you always know exactly how much funds you are holding for whom.
- Multi-asset support (Fiat, Credits)
- Immutable double-entry records
- Real-time balance availability
// Example: Marketplace Split
{
"transaction_id": "tx_123",
"entries": [
{
"account_id": "acc_buyer",
"direction": "debit",
"amount": 10000
},
{
"account_id": "acc_seller",
"direction": "credit",
"amount": 8500
},
{
"account_id": "acc_platform",
"direction": "credit",
"amount": 1500
}
]
}Stripe Payout #py_882
matches
Bank Deposit #txn_991
Automated Reconciliation
Stop verifying payouts manually. NAYA automatically matches your internal ledger records against bank statements and payment processor reports to confirm settlement.
- 3-way matching (App vs Gateway vs Bank)
- Exception handling workflows
- Month-end close in minutes
Why NAYA for Marketplaces?
Faster Integration
Don't build a ledger from scratch. Use our pre-built Marketplace Blueprint to get started in days.
Auditability
Every transaction is immutable and traceable. Pass SOC 2 and financial audits with ease.
Payment Rail
NAYA is agnostic. Use Stripe, Adyen, Moov, or your own bank. We unify the data.
Frequently Asked Questions
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