Marketplace compliance problem, financial flow and stripe connect

Shopify Discussion
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Topic summary

A marketplace built on Shopify needs to implement compliant payment splitting between the platform (Verty) and book suppliers. The core challenge involves routing customer payments through an escrow account to meet anti-money-laundering regulations, rather than holding funds directly.

Key requirements:

  • Automatic payment splitting at order placement (supplier share + platform commission)
  • Third-party escrow account to hold all incoming funds
  • Monthly settlement and invoicing to suppliers

Technical obstacle:
Shopify Payments lacks native integration with Stripe Connect or similar escrow solutions. The poster seeks recommendations for apps, API workflows, or custom middleware that can handle automatic escrow routing and monthly disbursements.

Current status:
One supplier currently, with plans to scale to multiple vendors. A follow-up question asks whether proposed solutions (including the Multivendor app) can accommodate multi-supplier scenarios.

The discussion remains open with no confirmed solution yet identified.

Summarized with AI on October 28. AI used: claude-sonnet-4-5-20250929.
1

Hello everyone,

I’m building a marketplace on Shopify (Verty) where customers place book orders, and we automatically forward those orders to our supplier, who handles shipping. Everything is working smoothly on the order-fulfillment side, but we’re running into a problem with the financial flow.

What we need:

  • When an order is placed on Verty, the customer’s payment should be split between our supplier and Verty.

  • The supplier should receive their share of the order value, and Verty should retain its commission.

  • At the end of each month, we want to bill our supplier for the total amount due to them from the previous month’s orders and settle our commission at the same time.

Compliance requirement:
Because we’re operating as a true marketplace, anti-money-laundering regulations require us to hold all incoming payments in escrow rather than on our own account. Funds must be held on a third-party escrow account and then disbursed monthly to the supplier and to us.

The challenge:
Shopify Payments is our default gateway, and there doesn’t appear to be a native way to connect Shopify orders to a Stripe Connect (or other) escrow account. We need a way to:

  1. Automatically route customer payments into an escrow account when the order is placed.

  2. Split and capture the funds so that the supplier’s share and Verty’s commission are held separately.

  3. Trigger a monthly payout and invoice to the supplier for everything owed from the previous month.

Has anyone solved a similar problem on Shopify? Is there a recommended app or API workflow, perhaps using Shopify’s Payments Platform, an external payment processor integration, or a custom middleware,that can handle automatic payment splitting into escrow, plus monthly settlements and invoicing?

Any advice or pointers would be greatly appreciated !

Thank you in advance!

Oscar

2

Thank you Daniel for your answer !

For now we have only one supplier, but we want to have a lot more in the future. Does your solution works with other suppliers ?

And in an other way, is the Multivendor app a good solution for this problem ?

Thank you !