Submerchants

Submerchants let a platform or marketplace represent the individual sellers (vendors) it processes payments on behalf of. Each submerchant is mapped to your payment providers using the provider's own submerchant identifier, so ProcessOut routes each payment to the correct account per gateway.

How it works

Create a submerchant — one per seller (vendor) on your platform.
Add a mapping per gateway — for each gateway configuration the seller can be paid through, register the provider-side submerchant id. A mapping is the link submerchant, gateway_configuration) → psp_submerchant_id.
Charge with submerchant_id — set submerchant_id on the invoice. This marks the payment as a marketplace payment: ProcessOut routes it only to gateways the submerchant has a mapping for, and forwards the matching psp_submerchant_id to the provider.

ℹ️
When you specify a submerchant_id directly on an invoice, it will override the invoice.submerchant.reference value. This means that the submerchant ID provided at the invoice level takes precedence over any submerchant reference configured in the submerchant object.