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Choose Platform Capabilities

Choose the capabilities required to support your business model, participant experience, funds flow requirements, and operational responsibilities.

This section helps identify the services needed for launch, understand how capabilities support different platform models, and determine the functionality required to scale over time.

Common Platform Models

The capabilities required by your platform depend on the experiences you intend to provide and the operational responsibilities you plan to manage.

Platform Model	Typical Capabilities
Marketplace	Seller onboarding, payment acceptance, funds allocation, payouts, reporting
Franchise Network	Merchant onboarding, payment acceptance, centralized reporting
Embedded Finance Platform	Onboarding, wallets, issued accounts, payouts
Gig Economy Platform	Worker onboarding, payment acceptance, earnings management, payouts
Service Marketplace	Provider onboarding, payment acceptance, payouts, reporting

Available Capability Areas

Onboard Participant

Onboard merchants, sellers, workers, service providers, buyers, or other platform participants.

Examples

Identity verification
Business verification
Document collection
Agreements and disclosures
Participant lifecycle management

Refer to Onboard Participant for more details.

Accept Payments

Accept customer payments using Commerce Hub payment services.

Examples

Card payments
Digital wallets
ACH / bank payments
Alternative payment methods

Refer to Accept Payments for more details.

Funds Management

Manage funds after payment collection.

Examples

Funds allocation
Split payments
Reserve management
Balance management

Refer to Funds Management for more details.

Payouts

Distribute funds to participants.

Examples

ACH payouts
Instant payouts
Cross-border payouts
Wallet transfers

Refer to Payouts for more details.

Embedded Finance

Offer financial services directly within your platform experience.

Examples

Wallets
Deposit accounts
Virtual cards
Financial account experiences

Refer to Embedded Finance for more details.

Reporting

Provide visibility into participant activity, transaction activity, payouts, and platform operations.

Examples

Operational reporting
Transaction monitoring
Participant management
Activity tracking

Refer to Reporting for more details.

Capability Dependency Matrix

Use this matrix to identify the capabilities typically required for participant experiences you plan to offer.

Participant Experience	Participant Onboarding	Payment Acceptance	Funds Management	Payouts	Reporting & Operations
Onboard sellers	Required	Required	Recommended	Recommended	Recommended
Verify seller identity and business information	Required	Required			Recommended
Accept payments from buyers	Required	Required	Recommended		Recommended
Split funds between sellers and platform fees	Required	Recommended	Required	Recommended	Recommended
Send payouts to sellers	Required	Required	Recommended	Required	Recommended
Manage payout exceptions and failed transfers	Required		Recommended	Required	Recommended
Monitor onboarding and participant status	Required				Required
View transaction and payout activity		Required	Recommended	Required	Required
Offer seller balances or stored funds	Required	Required	Required	Recommended	Required
Offer financial accounts or wallet experiences	Required	Required	Required	Recommended	Required

Before You Continue

Before proceeding, confirm that you have identified:

The participant types operating within your platform
Whether you will accept payments from buyers
Whether funds will be allocated across multiple parties
Whether participants will receive payouts
Whether onboarding and verification are required
Whether embedded financial services are needed
Whether reporting and operational management capabilities are required

Next Step

Once required capabilities have been identified, define the participants within your ecosystem and how they interact with one another by proceeding to Define Participant Model.