For marketplaces & platforms

The Stripe Connect alternative for European platforms

If you're building a European marketplace, community or vertical SaaS where your users get paid too, you need split payments and sub-merchant onboarding - and you probably reached for Stripe Connect. Here's the alternative built for the same job, on FCA-authorised rails, with onboarding measured in a session rather than days.

What platform payments actually require

Three things Connect gives you, and that most "payment gateways" don't: (1) onboard your users as sub-merchants, (2) split every payment in real time between you and them, (3) pay everyone out on schedule. paas.build does all three on PayFac rails operated by UniPaaS - an FCA-authorised Payment Institution - so you keep the platform relationship and the compliance sits with the regulated institution, not on your team.

Where paas.build differs from Connect (and Mangopay, Adyen, Ryft)

	Typical platform PSP (Connect / Mangopay / Adyen-for-Platforms)	paas.build
Sub-merchant onboarding	KYC review, often days per seller	Instant-live via progressive KYB, capped until verified
Who integrates it	Your engineering team, over weeks	One prompt - agent-native, MCP + 3-line React
Pricing	Tiered + per-payout + per-account fees	3.9% flat
Regulatory basis	Varies	FCA-authorised, funds safeguarded
GTM fit	Enterprise	Indie + AI builders + platforms

The honest caveat: Adyen and Mangopay are excellent at enterprise scale and breadth of local methods. If you're a large platform with a payments team, evaluate them too. If you want to ship splits this week without building an onboarding funnel, that's us.

How you ship it

Onboard a seller: your agent (or your backend) calls go_live - the seller gets a real capped sub-account the same session.
Take a split payment: create a checkout with your platform fee; funds split automatically.
Pay out: scheduled payouts to each seller; you keep your cut.

A marketplace's hardest technical problem - onboard sellers, split money, pay them out, stay compliant - shipped in a session instead of a quarter. See platform payments.

FAQ

What is the best Stripe Connect alternative in Europe?

For platforms that want instant sub-merchant onboarding and flat pricing, paas.build (on FCA-authorised UniPaaS rails) offers split payouts, progressive-KYB instant onboarding and 3.9% flat. Mangopay and Adyen-for-Platforms are strong enterprise alternatives; paas.build is built for faster, indie/AI-builder platforms.

Can I split payments between my platform and my sellers?

Yes - real-time splits are native: you set your platform fee, funds split automatically at checkout, and sellers are paid out on schedule. This is a PayFac capability that a Merchant of Record structurally cannot offer.

How fast can I onboard sellers on my marketplace?

The same session, via progressive KYB: each seller gets a real capped sub-account immediately while verification completes in the background - instead of a per-seller review measured in days.

Is it regulated?

Yes. The rails are operated by UniPaaS, an FCA-authorised Payment Institution (No. 929994), with client funds safeguarded in segregated accounts.

Go live in one prompt Platform payments →