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Payment Platforms

Aggregate Payment and the Service Provider Model: Unified Channels, Sub-Merchants, and Split Settlement

16IDC

For platform businesses collecting through Alipay, WeChat Pay and UnionPay at once, the hard part is not any single integration but three sets of callbacks, three sets of reconciliation and three sets of refund rules. Aggregate payment and the service provider model address exactly that, but the compliance line around second clearing must be drawn first.

split settlementsecond clearingunified callbackpayment routingplatform business
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Payment Platforms

Treasury Architecture for Platforms: The First Decision Is Whose Account the Money Lands In

16IDC

Platforms usually start payment selection with which provider is cheapest and which channels it supports, but everything downstream is fixed by an earlier question - whose account the money lands in. That single decision locks onboarding eligibility, fund path, invoicing entity and tax jurisdiction, and changing it later means rebuilding. This article compares four treasury architectures and explains why cross-border is harder than domestic.

16IDCpayment compliancesplit settlementplatform businessinvoicing entity
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