Technical and strategic writing on payment facilitation, split settlement mechanics, sub-merchant KYC/KYB operations, 1099-K compliance, and GMV monetization for vertical SaaS platforms. Written by practitioners who have built payment infrastructure, not marketers who describe it.
What take-rate should your vertical SaaS platform target? GMV and bps benchmarks from field service, property management, and healthcare staffing platforms — and the factors that determine where your platform falls in that range.
When your vertical SaaS platform operates as a payment facilitator, every sub-merchant requires a KYC/KYB verification pass — beneficial ownership, OFAC screening, bank account authentication. Here's what the operational reality looks like at 50, 200, and 500 sub-merchants.
Stripe Connect is a common starting point for vertical SaaS payment facilitation. But the economics shift at scale, and the control tradeoffs around sub-merchant onboarding, split settlement, and 1099-K filing become material. Here's a structured decision framework.
IRS 1099-K reporting obligations apply to platforms acting as the payer of record for third-party contractors and sub-merchants. Here's what the obligation means mechanically, how threshold tracking works, and what platforms must do to stay compliant at filing time.
Multi-party split settlement involves more moving parts than most platform engineers expect — settlement timing, reserve holdbacks, interchange accounting, and reconciliation across a variable number of payout recipients. Here's how it actually works under the hood.
Every transaction flowing through your vertical SaaS platform is a monetization opportunity. Understanding the payment facilitation model — take-rate mechanics, BIN sponsorship, interchange-plus vs flat-rate pricing, and what split settlement actually requires — is where every platform operator should start.
