The topic of marketplaces on Habré is quite popular. Both technical articles and product or financial articles are published. Therefore, many people know that working with finances is a sore spot for marketplaces. The fact is that it is often difficult to separate buyers' money from the money of the online platform itself.
If something happens to the site, for example, claimants go to court, then both the money of the marketplace and its customers may be at risk. The FTS often considers the funds of sellers and buyers to be the income of the platform, taxing them. The other day Cnews talked about a new service that allows you to "separate flies from cutlets": to breed funds from buyers, sellers and the site itself. Developed the service Bank Tochka, about another project of which, a mobile bank for freelancers, I wrote earlier...
The bank reacted to the fact that there are more and more marketplaces: this is how cleaning services, carriers, message boards, repair and exchange services, various agencies work. To separate the money of the marketplace and users, all transactions are made through the bank's API. The Point takes over the integration with the online platform.
With the new service, the funds in the nominal marketplace account are not counted as income. Therefore, buyers' money is protected from the claims of claimants to the online platform. The online platform is also not responsible for debts with money that is in its nominal account, they belong to the beneficiaries.
From bonuses - instant commission from transactions, separation of payments between different legal entities and security of settlements. You can make sure that the seller receives money only after confirmation of receipt of the product or service by the buyer, and the marketplace is the arbiter in disputed cases.