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A marketplace’s customer buys from the marketplace, not from any one seller. So the marketplace is the merchant of record: the charge lands in your platform’s balance, and each seller account is a recipient rather than a payment-accepting merchant. See Choose your integration if you have not settled this yet, or if some of your sellers should collect their own charges instead. This page maps the order to build in. Each step links to the page that teaches it; nothing here is restated.

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What you build, in order

1

Create each seller as a recipient account

A seller account here only ever needs payouts, to withdraw the share settlement gives it. It never needs a payment-accepting capability, so it never applies the merchant persona, and onboarding stays short. See Create an account.
2

Collect the sale as a destination charge

Create the checkout as your platform and name the seller in transfer_data.destination. The charge is yours; the seller’s share moves down to it on settlement. See Accept a payment.
3

Handle refunds and disputes against your own balance

Your platform is the merchant of record, so a refund or a lost dispute debits your platform, not the seller. See Refunds and disputes.
4

Let the seller withdraw

The seller’s share settles into its own balance once the charge settles. From there it withdraws on its own payouts capability. See Payouts.

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Money flow

The charge is your platform’s throughout. The seller’s share is a consequence of settling that charge, not a separate sale it made.

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