Marketplace Payments - Request Finance

The Problem

Globally, marketplace payments are a challenging task.

Globally, marketplace payments are a challenging task due to the presence of vendors operating in various countries and using different currencies, as well as the diverse financial software and preferences of each of them. Furthermore, jurisdictions and regulations sometimes add to the struggle.

Payment delays: 1- to 3-day banking holds for fraud checks can be particularly problematic for vendors who rely heavily on cash flow
Freelancers can wait up to 14 days to get paid
Cross-border compliance is a burden, depending on the country
Sanctions zones evolve, making the marketplace job challenging
Transaction fees are high because intermediaries can skim 2-5% per payout
Small vendors lose up to 20% margins on $50 gigs
FX volatility, conversion rates, and hidden fees vary significantly
The costs of cross-border payouts depend on corridor exchange rate volatility, FX fees applied by banking apps, and hidden fees
Chargebacks & disputes: buyers reverse up to 2% of payments
All those examples create struggles about payments, disputes, and operational delays

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The Solution

A unique financial platform that serves both ends of the marketplace

Request Finance offers a unique financial platform that serves both ends of the marketplace, enabling them to pay and get paid efficiently and reap all the benefits. Marketplace vendors get paid faster, intermediaries don't eat fees, therefore, they get paid more. Marketplace buyers pay directly; there are no intermediaries involved, therefore they pay fast, can't reverse payments, and don't incur fees.

Global USD Account

Each entity gets its own account

No more sharing cards or accounts. Each entity has its own budget, spending limits, and approvals. For a clean audit trail.

Corporate cards

Control your spend

Issue virtual and physical cards with real-time controls and instant notifications.

Accounts Payable

Process bills at lightning speed

Manage invoices, approvals, and payments all in one place with full audit trails. Whether you have 1 or 10,000 accounts payable per month.

Integrations

Connect with your daily tools

Connect to and from accounting softwares, banks, and all the other tools you use.

Worldwide

Operate globally

Pay suppliers and vendors worldwide with competitive FX rates and transparent fees. Support for ACH, Wire, SEPA, SWIFT, SPEI (MXN), Faster Payments (GBP), and stablecoins.

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3 steps to transform your company's spend management

Create your account

Complete your Know Your Business verification quickly and securely.

Top up your account

Deposit any currency: fiat or stablecoin. Flexible funding options for your business needs.

You are set up!

Your finance team is ready to go.

The finance platform your team will actually enjoy using

Already powering 1,500+ global teams

We designed Request for CFOs, COOs, and founders who value clarity and control.
Discover how you can save time, save money, and stay in control.

It has improved the security of our stablecoin payment processes.

David Norris

Head of Finance, Near Protocol

It is a game-changer for any Web3 business looking to streamline their financial operations and take advantage of the benefits of stablecoins.

Magdalena Fichtl

Head of Finance & Operations, Gelato

Other solutions we saw did not have all the functionalities we needed, like batch payments.

Sebastien Borget

COO & Co-founder, The Sandbox

It makes the whole invoicing process more efficient for all the parties involved.

Daniel Lustig

Founding Member, Ocean Protocol

Request revolutionized our financial operations by simplifying cross-currency transactions, ensuring transparent and auditable records through a paper trail creation.

Juan Pablo Andersson

Finance Operations, The Sandbox