Your sellers. Your cut. Their money, where they actually keep it.
Onboard your own sellers onto Ultraner, take payments on their behalf, keep your commission, and pay the rest out to the mobile wallet they already use.
Marketplaces
A crafts marketplace in Arusha taking orders for two hundred makers, each paid their share the day the order ships.
SaaS platforms
A booking tool whose salons each collect their own money, with the platform keeping a percentage of every booking.
Delivery and logistics
A courier app paying riders to the wallet they already use, on the schedule it sets, without touching a bank.
Multi-branch businesses
A chain whose branches each need their own account and reporting, under one relationship.
Your sellers get paid where they actually keep money.
Most sellers on this continent do not hold a bank account, they hold a wallet. A payout that lands in one is the difference between a platform people can use and a platform they cannot. Mobile money payouts are live in Tanzania, and the remaining markets are being brought up one verified rail at a time. Settlement to a seller's own bank account by wire works in every country in the world in the meantime.
Your fee, set per seller
A percentage or a fixed amount, different for each connected business if you want.
Payouts on a schedule
Daily, weekly, or only when you trigger one. The seller chooses where it lands, never you.
Every movement recorded
One payment, several ledger entries, one audit row per split, visible to both sides.
1Direct charges
Payer -> Seller, your fee carved outThe seller is the merchant of record and receives the payment. Your platform fee is taken from it automatically, with no extra API call.
2Destination charges
Payer -> You -> SellerYou take the payment and route an agreed amount onward. Add on_behalf_of to a payment link with one recipient.
3Separate charges and transfers
Payer -> You -> several sellersOne payment split across several connected businesses. The same on_behalf_of array, with more than one recipient.
Invite a seller in one call.
They get a single-use link, verify themselves through the same KYC every Ultraner business goes through, and are connected. Someone who already has an Ultraner business connects in one step rather than starting over.
curl https://api.ultraner.com/v1/business/streamline/accounts \
-H "X-API-Key: $ULTRANER_API_KEY" \
-d name="Mama Asha Crafts" \
-d phone="255700000000" \
-d fee_type="percentage" \
-d fee_value=5 \
-d payout_schedule="weekly"Your platform fee
Yours to set
A percentage or a fixed amount, per connected seller. It comes off their payment automatically and lands in your balance.
Ultraner's fee
0% in, 3% out
Nothing on collections. A flat 3% on money going out, the same as everywhere else on Ultraner. See pricing.
Refunding a split payment reverses the platform fee too. If the money has already been withdrawn the balance can go below zero, and it has to be topped up before any further payout.
Who verifies the sellers?
They do, through the same KYC every Ultraner business goes through. A seller who already has an Ultraner business connects in one step rather than starting again.
How long does onboarding take?
You invite by phone or email, and they get a single-use link. A seller who is already verified is connected immediately; a new one takes as long as their own KYC does.
Where can sellers be paid out?
Mobile money payouts are live in Tanzania, with the remaining markets being brought up one verified rail at a time. Settlement to a seller's own bank account by wire works in every country in the world, so a seller is never stuck waiting for a payout rail to get paid.
Can I choose where a seller gets paid?
No, and deliberately. A connected business sets its own payout destination; you can trigger a payout or let their schedule run it, but you can never choose or change the account it lands in.
What happens when a payment is refunded?
Every split it produced is reversed automatically, including your platform fee, in proportion to the amount refunded. If the money has already been withdrawn the balance goes below zero and has to be topped up before anything else is paid out.
What does it cost?
Your platform fee is yours to set, per seller, as a percentage or a fixed amount. Ultraner charges nothing on collections and a flat 3% on money going out.
Start onboarding sellers.
Ultraner