AIPower01
Platform collection
Accept buyer payments through the approved platform arrangement and connect each transaction to the relevant merchant.
PLATFORMS & MARKETPLACESYour platform.
Your platform.
Connected payment operations.
Build payment infrastructure for marketplaces, service platforms, creator businesses and multi-merchant systems. Connect merchant onboarding, payment collection, automatic splits and seller settlement with AIPower Pay.
02 / PLATFORM BUSINESS MODELSSupport the way
Support the way
your platform earns.
AIPower supports platform collection, automatic payment splits, commission deductions and service or subscription fees. Agree the business roles and payment model during onboarding.
02
Automatic splits
Allocate payment proceeds between seller income and platform earnings using the agreed split logic.
03
Platform commissions
Deduct the platform commission from eligible transaction proceeds according to your commercial arrangement.
04
Service and subscription fees
Collect platform service fees or subscription charges, keeping the fee basis clear to the party being charged.
03 / SUB-MERCHANT ONBOARDINGBring merchants on board.
Bring merchants on board.
Keep review ownership clear.
AIPower carries out sub-merchant KYB/KYC review, supports document submission and review-status enquiries, and performs ongoing risk review.
Collect information
Prepare the business and identity information required for the proposed merchant activity.
Submit for review
Provide the required materials through the agreed onboarding process for AIPower assessment.
Follow the review
Check onboarding review progress and respond to requests for additional information.
Maintain the profile
Keep merchant information current and support continuing risk review as the business develops.
04 / Two settlement models. One agreed allocation.
| Funds-flow model | Payment and allocation | Seller payment responsibility |
|---|---|---|
| Direct to seller | AIPower processes platform payments and applies the agreed allocation of seller income and platform commission. | AIPower settles directly to the seller under the agreed settlement arrangement. |
| Through the platform | AIPower processes platform payments and settles funds to the platform under the agreed arrangement. | The platform then pays its sellers according to the platform–merchant agreement. |
Keep allocations connected to the original transaction.
Define seller income, platform commission and applicable fees before collection. When a refund or dispute affects previously allocated funds, the merchant and platform share responsibility for those funds under their agreed arrangement. Allocation adjustments and recovery steps are agreed during setup.
05 / SELLER SETTLEMENTA defined currency.
A defined currency.
A clear settlement schedule.
Use the base settlement cycle or arrange additional settlement time for the seller. Agree the schedule and receiving-account details before activation.
Base cycle
Sellers can retain the base T+3 cycle or add settlement time. The definition of T, cutoffs and day-count treatment follow the merchant agreement.
Settlement currency
Seller settlement is in US dollars.
Minimum settlement amount
The minimum settlement amount is USD 1,000.
06 / PLATFORM-LEVEL RISKSee merchant risk
See merchant risk
in the platform context.
AIPower supports sub-merchant risk scoring, transaction monitoring, industry restrictions and identification of unusual funds flows.
01
Sub-merchant risk scores
Use merchant-level risk scoring to inform assessment and ongoing review priorities.
02
Transaction monitoring
Monitor transaction activity for patterns that warrant investigation across the platform merchant base.
03
Industry restrictions
Apply the relevant industry restrictions when assessing merchants and their proposed activity.
04
Unusual funds flows
Identify abnormal movement of funds and bring the associated merchants and transactions into review.
07 / REFUNDS & DISPUTE RESPONSIBILITIESResolve the customer issue.
Resolve the customer issue.
Coordinate the financial response.
The merchant submits dispute evidence. Responsibility for funds already allocated is shared by the merchant and platform; the detailed allocation of costs and recovery arrangements follows their agreement.
Buyer request
Connect the customer enquiry or refund request to the original order and payment, and communicate the next steps through the agreed support process.
Merchant evidence
The merchant prepares and submits relevant order, delivery, service and customer-communication evidence for the dispute.
Platform coordination
The platform coordinates with the merchant on the affected allocation and the shared responsibility for previously distributed funds.
Agree the response before a case arises.
- Link the records. Identify the payment, merchant, seller allocation and relevant order.
- Confirm the required action. Separate refund handling from the evidence response to a dispute.
- Reconcile the allocation. Apply the agreed financial responsibility and adjustment process to previously allocated funds.
08 / PLATFORM OPERATIONSManage merchant activity
Manage merchant activity
from one operating environment.
The platform backend supports account creation and access to merchant transactions, balances, settlement management, risk and reports.
01
Account creation
Create merchant accounts as part of the platform onboarding process.
02
Merchant transactions
View merchant transaction activity to support operational enquiries and review.
03
Merchant balances
View merchant balances alongside the relevant platform payment activity.
04
Settlement management
Manage settlement arrangements within the platform operating process.
05
Risk management
Work with merchant and transaction risk information to support follow-up.
06
Reports
Access the available platform reports for operational review.
09 / PLATFORM WORKFLOW & IMPLEMENTATIONConnect the business flow.
Connect the business flow.
Agree the implementation.
Start with the merchant roles, allocation rules and selected settlement model. This is a business workflow, not a specification for dedicated platform endpoints.
Create and review
Create the merchant account, submit onboarding information and complete AIPower review.
Collect and allocate
Accept the buyer payment and apply the agreed seller income, commission and fee allocation.
Settle by model
AIPower settles to the seller directly, or settles to the platform for onward payment to sellers.
Handle exceptions
Coordinate refunds, merchant-submitted dispute evidence and the agreed responsibility for allocated funds.
Plan the technical handover with our team.
Share your platform architecture, merchant volume and preferred settlement model. Agree how account creation, allocation and seller settlement connect to your operations. Separate API and Webhook documentation for those platform functions is not currently available.