The KOMOJU Platform Model is designed to support both Platforms and Marketplaces by facilitating payment processing between them and their sellers/users.

Business Case

Before adopting the KOMOJU Platform Model, it’s crucial to determine which business case best applies to your operations. The Platform Model supports two primary business types: Platform Business and Marketplace Business. Below are brief definitions of each:

Platform Business: If your business connects buyers with sellers and empowers the sellers to directly accept online payments from customers, you likely fall under the Platform Use Case. (Examples: Shopify, WooCommerce...etc)
Marketplace Business: If your business overseas the entire checkout journey and accepts online payments from customers directly on behalf of your sellers, you likely fall under the Marketplace Use Case. (Examples: Airbnb, Uber...etc)

For further details on which use case applies to you, visit the Business Case page.

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Onboarding Accounts

Platform Use Case

For the Platform Use Case, the account setup is as follows:

You: "Platform Merchant (Platform Business)" account
Your seller: "Seller Merchant" account

Steps to onboard:

Contact our Account Manager or submit an inquiry via inquiry form to request Platform Merchant (Platform Business) credentials. Once received, log into the KOMOJU dashboard and access the "Test" environment.
Integrate KOMOJU APIs and create test Seller Merchant accounts under your account. Then, run mock payments between your account and Seller Merchant account to ensure functionality.
When ready for live operations, start the Live Application for your Platform Merchant (Platform Business) account through KOMOJU's dashboard.
After your live application is approved, create real Seller Merchant accounts through the APIs in the "Live" environment.
Once the Seller Merchant account gets approved, you can start processing real payments between you and your seller.

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Marketplace Use Case

For the Marketplace Use Case, the account setup is as follows:

You: "Platform Merchant (Marketplace Business)" account
Your seller: "Payout Merchant" account

Steps to onboard:

Contact our Account Manager or submit an inquiry via inquiry form to request Platform Merchant (Marketplace Business) credentials. Once received, log into the KOMOJU dashboard and access the "Test" environment.
Integrate KOMOJU APIs and create test Payout Merchant accounts under your account. Then, run mock payments between your account and Payout Merchant account to ensure functionality.
When ready for live operations, start the Live Application for your Platform Merchant (Marketplace Business) account through KOMOJU's dashboard.
After your live application is approved, create real Payout Merchant accounts through the APIs in the "Live" environment.
Once the Payout Merchant account gets approved, you can start processing real payments between you and your seller.

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Processing Payments

Once you and your sellers (either Seller Merchant or Payout Merchant) are successfully onboarded, you can begin processing payments through KOMOJU's API or Dashboard. Below is a summary of available actions:

Action	KOMOJU API	KOMOJU Dashboard
Create a Payment	O	X
Two-step Capture	O	X
Cancel a Payment	O	O
Create a Reverse Refund	O	O
Create a Reverse Refund Request	O	O
Create a Non-Reverse Refund	O	X
Create a Non-Reverse Refund Request	O	X

(1) For the Platform Use Case, payments are processed using the Seller Processing Model, where the Seller Merchant is the Processing Merchant.

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(2) For the Marketplace Use Case, payments are processed using the Platform Processing Model, where the Platform Merchant is the Processing Merchant.

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Balance Transfers

Only the Platform Merchant can initiate balance transfers through the KOMOJU API. Transfers can be made:

From the Platform Merchant to a sub-merchant
From a sub-merchant to the Platform Merchant

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Balance Transfer

Payouts

As a Platform Merchant, you can configure the Payout Frequency and Minimum Settlement Amount of your account and your sub-merchant's account respectively. Payouts can be scheduled weekly or monthly.

KOMOJU will handle settlement to your bank account and your sub-merchants' bank accounts based on these settings, eliminating the need for you to build your own payout system.

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Payout to you and your sub-merchants

Managing Accounts

As a Platform Merchant, you have full access to manage your account and your sub-merchants’ accounts via the KOMOJU API or Dashboard. Sub-merchants, however, cannot access these tools directly, giving you control over the information shared with them for the best use experience.

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Webhooks

As a Platform Merchant, you can subscribe to various events via webhooks to streamline management.

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Webhooks (for Platform Model)