If your platform moves money for its users - a marketplace, booking app, community or vertical SaaS - Stripe Connect makes you carry the whole payment flow and the sub-merchant liability while earning almost nothing on it. paas.build, powered by UniPaaS, turns that flow into a revenue line: you set your own margin on pay-in and pay-out, onboard sellers in minutes, and hand the regulated liability to an FCA-authorised institution running on J.P. Morgan rails.
With Stripe Connect you route money into your sellers' Stripe accounts and take a thin platform fee, if any - while carrying the integration, the KYC and the sub-merchant liability. With UniPaaS you become the payments layer itself: you set your own margin on both pay-in and pay-out, so every transaction that flows through your platform is margin you keep. Payments stop being a cost centre and become one of your biggest revenue lines - and nothing changes for the seller or the buyer.
Progressive KYB gives every seller a real, capped sub-account the same session, while verification finishes in the background. In practice 80% of sub-merchants are fully onboarded in an average of 12 minutes - instead of the per-seller review, document back-and-forth and drop-off that Connect onboarding is known for. Faster onboarding means more of your sellers actually start transacting, sooner.
Because UniPaaS is a principal FCA-authorised payment institution on J.P. Morgan rails - not a reseller sitting on top of another processor - the pricing beats Stripe Connect on pay-in and on pay-out. You get a custom platform rate that leaves real margin for you to keep or pass on. We set it once we understand your volume and flow, rather than a one-size number.
| What matters to a platform | Stripe Connect | paas.build / UniPaaS |
|---|---|---|
| Who earns on the payment flow | You take a thin platform fee, if configured | You set your own margin on pay-in and pay-out |
| Seller onboarding | Per-seller review, often days, with drop-off | Progressive KYB - 80% live in ~12 minutes |
| Who holds the regulated liability | Pushed onto you as the platform | UniPaaS, an FCA-authorised PI (No. 929994) |
| Rails | Stripe | J.P. Morgan, funds safeguarded |
| Brand on the flow | Yours, but on Stripe's terms | Entirely yours |
| Pricing | Standard Connect fees plus payout fees | Custom, beats Connect on both sides |
Onboarding figures are UniPaaS platform averages; your numbers depend on your seller mix and market.
paas.build runs on UniPaaS, an FCA-authorised Payment Institution (No. 929994) that already powers embedded payments for platforms across the UK and EU - split payouts to unlimited sellers, funds safeguarded in segregated accounts, settlement on J.P. Morgan rails. You get the speed and simplicity of paas.build with the regulatory backing and payout infrastructure of an established payment institution behind it. unipaas.com
Ready to build? Create a real account and start onboarding your sellers today - live the same session.
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For a platform that wants to earn on its payment flow and onboard sellers fast: paas.build on UniPaaS (an FCA-authorised PI, No. 929994). You set your own margin on both pay-in and pay-out, 80% of sub-merchants onboard in an average of 12 minutes via progressive KYB, and the sub-merchant liability shifts to the institution. Mangopay and Adyen for Platforms are strong enterprise options; paas.build is built for faster-moving platforms and AI builders.
More so. Instead of routing funds to sellers and taking a thin platform fee, you set your own margin on both pay-in and pay-out, so payments become a real revenue line - without changing what your sellers or buyers see.
Progressive KYB gives each seller a real capped sub-account the same session while verification completes in the background. In practice 80% of sub-merchants are fully onboarded in an average of 12 minutes, instead of a per-seller review measured in days.
UniPaaS, an FCA-authorised Payment Institution (No. 929994) that powers embedded payments for platforms across the UK and EU, with client funds safeguarded and settlement on J.P. Morgan rails.