Solutions Platforms
Business type · Platforms & marketplacesPlatform payment processing.
Master-merchant / sub-merchant acquiring, split settlement, sub-merchant risk monitoring and multi-geography coverage — for high-risk platforms and marketplaces the standard payment facilitators exclude.
Acquiring banks in network
Countries supported
Merchant / sub-merchant
Settlement & revenue share
Why platforms are different
Why sub-merchant acquiring is the hard part.
Standard payment facilitation excludes high-risk sub-merchant categories, aggregates risk across a portfolio, and demands onboarding and settlement structures generic PayFacs don't provide.
Sub-merchant acquiring is the hard part
Platforms — gaming content networks, dating aggregators, affiliate networks, adult-content platforms, SaaS marketplaces — want to enable their merchants to accept payments without each one holding a direct acquiring relationship. But standard payment-facilitation infrastructure categorically excludes high-risk categories. A gaming aggregator with real-money operators can't use it, and a nutra affiliate network can't either.
PayFacs exclude high-riskAggregated risk — one sub-merchant affects all
Under a master-merchant model, the chargebacks and compliance issues of individual sub-merchants aggregate against the master account's ratios. A single sub-merchant with a fraud event or compliance violation can push the master ratio toward thresholds affecting everyone on the platform. Risk monitoring per merchant, velocity controls and the ability to isolate problems fast are operational requirements.
Portfolio-wide ratio riskSub-merchant onboarding & underwriting at scale
Platforms need to evaluate, approve and onboard sub-merchants — verifying identity, assessing risk and matching each to the right acquiring relationship. For high-risk platforms that means category-specific underwriting (gaming operator, nutra brand, adult creator), not generic KYB. Manual underwriting doesn't scale, so platforms need structured flows with clear criteria and tiered review.
Category-specific KYBSplit settlement & revenue-share complexity
Platforms earning transaction fees, revenue shares or commissions need to split proceeds between the platform and its merchants — sometimes across multiple parties per transaction. That requires either platform-level settlement with secondary distribution, or transaction-level split at the acquirer. Each approach has different implications for acquiring relationships, reserves and card-network split-transaction rules.
Multi-party settlementHow MIDs solves it
Built for platform economics.
Master-merchant acquiring, sub-merchant risk monitoring, settlement structuring and multi-geography coverage. See how routing works across acquirers
Master-merchant / sub-merchant acquiring
We structure master-merchant arrangements that let platforms process for multiple sub-merchants under a consolidated acquiring relationship. The platform holds the primary banking relationship and manages sub-merchant relationships, while MIDs manages the acquiring banks and ensures the structure meets card-network requirements for aggregated processing.
Master account · sub-merchant descriptorsSub-merchant risk monitoring & portfolio management
Platforms using master structures assume risk for their sub-merchants — the acquiring bank holds the master responsible across the whole portfolio. We help structure controls for high-risk operations: sub-merchant volume limits, category restrictions, per-merchant ratio monitoring and escalation. Catching and isolating problem sub-merchants before they affect the master's standing is the goal.
Per-merchant limits · ratio monitoring · escalationSettlement structure for platform revenue models
We work with acquiring banks to structure settlement that matches your revenue model. For a transaction fee or revenue share, settlement can retain the platform's portion and distribute the balance to sub-merchants. For platforms that take full settlement and handle distribution themselves, we structure appropriate timing and reserves — negotiated by volume, category and sub-merchant profile.
Split settlement · revenue-share retentionMulti-geography acquiring for global platforms
Platforms with sub-merchants serving multiple geographies need acquiring matched to those markets. We structure relationships across 30+ banks and 90+ countries — giving platforms the coverage their sub-merchants need without each one sourcing acquiring independently. EU under PSD2, UK post-Brexit, LATAM local methods and APAC cross-border are managed on the platform's behalf.
30+ banks · 90+ countries · managed for the platformStandard PayFacs exclude your sub-merchants.
Standard payment facilitators apply the same acceptable-use restrictions to platforms as to individual merchants — and those restrictions apply to your sub-merchants' activity, not just your own. A gaming aggregator with real-money operators, or a nutra affiliate network, simply can't use them.
- Acquirers that evaluate your sub-merchant categories individually
- Master-merchant structure that supports high-risk operators
- White-label experience — the bank relationship stays invisible
- Settlement structured to match your revenue model
Facilitation models
A content platform onboarded hundreds of high-risk sub-merchants under one master structure.
The client
A creator-monetization content platform whose sub-merchants spanned high-risk categories — needing to enable payments for each creator without every one sourcing a direct acquiring relationship.
The problem
Standard facilitation infrastructure excluded the platform's sub-merchant categories outright. And under any aggregated model, a single creator's chargeback spike threatened the standing of every creator on the platform.
The approach
We structured a master-merchant arrangement with acquiring banks experienced in the category, built tiered sub-merchant onboarding with category-specific KYB, set per-merchant ratio monitoring with isolation, and structured split settlement that retained the platform's revenue share automatically.
The result
The platform onboarded hundreds of sub-merchants under one structure, distributed revenue share at settlement, and could isolate a problem sub-merchant before it affected the master account — with per-creator descriptors keeping each recognizable on statements.
Platform on the MATCH/TMF list? We specialize in recovery.
Platforms land on MATCH/TMF when aggregated sub-merchant chargebacks cross thresholds, or after a facilitator exits a category. Most acquirers decline listed merchants automatically. With 25+ years of high-risk experience, MIDs maintains relationships with banks that evaluate platform MATCH situations individually — and we structure the per-merchant monitoring and isolation that prevents recurrence.
Who we serve
High-risk platforms & marketplaces.
Gaming content networks
Multi-operator gaming content platforms and aggregators — master-merchant structure for operators under one platform, with multi-jurisdiction acquiring.
See Gaming
Adult content platforms
Creator-monetization platforms and content aggregators — master-merchant structure for creator/platform revenue split, with high-risk acquiring.
See Adult
Nutra affiliate networks
Supplement affiliate networks processing for multiple brand or offer operators — ROSCA compliance, continuity acquiring and multi-brand settlement.
See Nutra
FAQ
Common platform questions.
A platform holds a primary merchant account with an acquiring bank, and transactions for multiple merchants are processed under it — each sub-merchant identifiable by their own descriptor on statements. The master merchant (the platform) holds the banking relationship and assumes primary risk responsibility for chargebacks across all sub-merchants. We structure the acquiring relationships that support this model for high-risk platforms, negotiating terms that accommodate the sub-merchant categories you serve.
Standard payment facilitators apply the same AUP restrictions to platforms as to individual merchants — they categorically exclude high-risk categories. A gaming content platform whose sub-merchants include real-money operators can't use standard facilitation regardless of its own compliance, and a nutra affiliate network whose sub-merchants use continuity billing can't either. These restrictions apply to the sub-merchant activity. Acquiring banks in our network evaluate platforms and their sub-merchant categories individually.
Under a master-merchant model, the acquiring bank's primary relationship is with the platform — and it holds the platform responsible for chargeback ratios across all sub-merchants. When a sub-merchant generates chargebacks, those count against the master account's ratio. That's why sub-merchant risk monitoring is critical: one sub-merchant with a fraud event can affect the standing of all. We help structure controls that identify and isolate problem sub-merchants before they affect the master account.
MIDs structures the acquiring-bank relationships — the banking infrastructure layer. The merchant-facing checkout, dashboard and reporting are typically provided by the payment gateway sitting between the platform and the acquiring banks. We work with gateways and acquirers offering white-label or API-first integration, so platforms can build a branded experience. The acquiring relationship is invisible to sub-merchants; your brand is what they see.
We work with acquiring banks to structure settlement to match your revenue model. For a transaction fee or revenue share, settlement can retain your portion and distribute the balance to sub-merchants. For platforms that take full settlement and handle distribution themselves, we structure acquiring with appropriate timing and reserves. The right structure is negotiated by volume, category and sub-merchant profile, within card-network rules on split transactions.
Platforms need structured onboarding: business-identity verification (KYB) matched to acquirer requirements, product-category assessment against the AUP for sub-merchant categories, website and terms-of-service review, a MATCH/TMF check, and a tiered approval process separating straightforward merchants from review-required ones. We help structure this flow with clear risk criteria so onboarding scales beyond manual underwriting.
Ready to power payments for your platform?
Tell us your sub-merchant categories, settlement model and volume. We'll advise on the master-merchant structure, the risk controls and the settlement setup that lets a high-risk platform process for all its merchants.