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Stripe Architecture

Architecting a Multi-Sided Marketplace on Stripe Connect

The five architectural decisions that determine whether your marketplace payments scale cleanly.

Z

Zeeshan

Founder · Published Mar 9, 2026

A marketplace's payment architecture determines its ceiling for scale far more than its frontend stack does. Five decisions matter most.

  1. Connect account type (Standard/Express/Custom): sets your compliance surface
  2. Fee model: application fee vs. separate charges and transfers
  3. Payout timing: instant, daily, or scheduled per seller
  4. Refund routing: platform-funded vs. seller-funded, decided before launch
  5. Dispute handling. Who absorbs a chargeback, contractually and technically

Why This Order Matters

Each decision constrains the next. Choosing Custom to maximize control, for instance, means you also own more of the dispute and compliance surface: a tradeoff that should be made deliberately, not by default.

#connect#marketplace

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