Why leading marketplaces are rethinking payments from the ground up

Marketplaces now underpin a wide range of commerce, services, travel, gig work, digital content, and community platforms, accounting for an estimated 67% of global e-commerce sales, but their growth is often constrained by fragmented payment providers, costly foreign exchange, and complex regional compliance obligations. Embedded finance, enabled by API-first and low-code technology, is presented as a way for platforms to integrate checkout, payouts, currency management, local payment methods, fraud controls, and regulatory processes directly into their user experiences. These capabilities can improve conversion, accelerate and clarify seller payouts, reduce cross-border friction, and support expansion across markets. Beyond payment processing, marketplaces are increasingly developing broader financial ecosystems with multi-currency wallets, lending, and branded cards, responding to seller demand for financial services offered through the platforms they already use.

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