01
FIG 01 · Marketplace Development
Marketplace app development, built around the money flow
Two-sided and multi-vendor marketplaces for B2B, services, rentals and peer-to-peer trade, with payouts, seller checks and tax reporting designed before the first listing.
See how it works
FIG 02 · Quick answer
What is marketplace app development?
Marketplace app development is building a platform where many sellers or providers transact with many buyers, and the platform takes a commission. Elgrith builds custom and multi-vendor marketplaces with Stripe Connect payouts, seller verification, reviews and dispute tools, and designs for INFORM Act, Form 1099-K, EU DAC7 and UK platform-reporting rules from day one.
- Seller rules designed in: INFORM, 1099-K, DAC7 and UK reporting
- 4
- Projects delivered since 2015
- 1,000+
- Clients across the USA, UK and India
- 250+
- Your code, repository and IP
- 100%
FIG 03 · Why it matters
A marketplace is a payments and compliance business with a storefront on top.
From the FTC, the IRS and HMRC, read on 23 Oct 2026.
01
10 days
To collect and verify seller details
Under the INFORM Consumers Act, once a seller makes 200+ sales and $5,000+ in gross revenue in 12 months, the marketplace has 10 days to collect, then 10 days to verify, their bank, contact and tax details.
Source: FTC, Informing Businesses about the INFORM Consumers Act (read 23 Oct 2026)(opens in a new tab)02
$20,000
And 200 transactions for Form 1099-K
The IRS says payment platforms report on Form 1099-K only when a payee’s payments exceed $20,000 and the number of transactions exceeds 200, a threshold the One, Big, Beautiful Bill retroactively reinstated.
Source: IRS, IR-2025-107 on the Form 1099-K threshold (23 Oct 2025)(opens in a new tab)03
31 Jan
Annual UK and EU platform reports
The UK reporting rules for digital platforms “commenced in the United Kingdom on 1 January 2024”. Reports are due by 31 January after each reporting period, the same deadline as the EU’s DAC7.
Source: HMRC, International Exchange of Information Manual IEIM900100 (updated 15 Oct 2026)(opens in a new tab)
FIG 04 · Payments
Money flow first: which Stripe Connect charge type?
In Stripe Connect, the charge type decides whose balance pays for refunds, disputes and Stripe’s fees. We choose it in discovery, because changing it after launch means migrating every seller. This is how Stripe’s own docs compare them.
| Direct charges | Destination charges | Separate charges and transfers | |
|---|---|---|---|
| Who the customer pays | The seller’s connected account | The platform, which passes funds to one seller | The platform, which can split funds across several sellers |
| Refunds and disputes | Taken from the seller’s balance | Taken from the platform’s balance | Taken from the platform’s balance |
| Stripe fees | Seller or platform, your choice | Platform | Platform |
| Fits | SaaS-style platforms where sellers deal with their own customers | Services and rental marketplaces: one provider per booking | Multi-vendor carts and split payments |
Stripe now marks the Standard, Express and Custom account types as legacy and recommends controller properties for new platforms; we design new builds that way. Stripe’s fees are set on its own pricing page; check them before you model your take rate.
Choosing a provider? Payment gateway integrationFIG 05 · What you get
What a marketplace needs
Every marketplace runs on a buyer app, a seller app and an admin panel that share one back end. These are the parts we design and build, on web, iOS and Android.

02
Seller onboarding
03
Listings and catalogues
04
Booking and checkout
05
Commissions and payouts
06
Reviews and ratings
07
Messaging
08
Admin and reporting
Deliverables
10
deliverables, in writing
FIG 06 · Models
Marketplaces we build
The model decides the money flow, the seller checks and the reporting. These are the four we build most.
B2B marketplaces
- Sellers
- Manufacturers, wholesalers and distributors
- Needs
- Company accounts, quotes, price lists, invoices and ERP sync
Services marketplaces
- Sellers
- Freelancers, tutors, trades and professionals
- Needs
- Profiles, bookings, deposits, milestones and payouts after the job
Rental marketplaces
- Sellers
- Owners of equipment, spaces, vehicles or homes
- Needs
- Calendars, deposits, damage claims and identity checks
Peer-to-peer (P2P / C2C)
- Sellers
- Individuals selling to individuals
- Needs
- Light onboarding, buyer protection, reviews and fraud checks
Delivery or ride-hailing?
Food, grocery, courier and ride-hailing apps need live dispatch and tracking. Our on-demand team builds those.
On-Demand App Development
FIG 07 · Compliance
Seller compliance built in
Marketplaces collect, verify and report seller data in the US, the EU and the UK. We design the data model for it from day one, so year-end reporting is an export, not a project. General guidance, not legal advice.
04principles
INFORM Consumers Act (US)
In effect since 27 June 2023. High-volume sellers (200+ sales of new or unused consumer products and $5,000+ in 12 months) must be identified, their details collected within 10 days and verified within 10 days. The FTC lists penalties of $53,088 per violation.
Form 1099-K (US)
Payment platforms report sellers whose payments exceed $20,000 and 200 transactions (IRS, IR-2025-107). If you pay sellers through Stripe or a similar provider, we agree in discovery who files and what data your platform keeps.
DAC7 (EU)
In force since 1 January 2023, covering rental of property, personal services, sale of goods and rental of transport. Platform operators report sellers no later than 31 January each year (European Commission).
UK platform reporting
The UK rules commenced on 1 January 2024, with first reports due by 31 January 2025 and every 31 January since (HMRC, updated 15 October 2026).
FIG 08 · Multi-vendor
Multi-vendor marketplace development
In a multi-vendor marketplace, one cart can hold items from several sellers. The seller side has to be as good as the buyer side, or sellers leave.
06principles
Seller dashboards
Orders, stock, payouts, reviews and performance in one place, on web and mobile.
Catalogue tools
Bulk uploads, feeds and API access for larger sellers, with approval rules before listings go live.
Commission rules
Take rates by category, seller tier or promotion, with fees shown clearly to buyers and sellers.
Split payouts
One checkout split across sellers with separate charges and transfers, payout schedules and holds for new sellers.
Returns and refunds
Returns by seller and item, partial refunds and transfer reversals so each party’s share stays correct.
ERP and logistics
Seller stock, orders and shipping synced with ERPs and carriers through their APIs.
API integration
FIG 09 · Trust
Trust and safety
Buyers come back when the marketplace feels safe. That means checking sellers, handling disputes fairly and spotting fraud early.
04principles
KYC and KYB
Identity and business checks through your payments provider’s hosted onboarding, so sensitive documents don’t sit on your servers.
Disputes
Buyer claims, seller responses, evidence and decisions in one flow, matched to how your payments provider handles chargebacks.
Payout holds
Holds for new sellers or risky orders, released automatically when delivery or the job is confirmed.
Listing moderation
Prohibited-item rules, image and text checks and a review queue before listings go live.
FIG 10 · Custom
Custom marketplace development
A custom build makes sense when the model, the pricing or the integrations are what make your marketplace different. You get a platform you own and can change without waiting on a vendor’s roadmap.
04principles
Your data model
Listings, bookings and pricing built for your model, not bent to fit a template.
Your pricing logic
Quotes, deposits, tiered commissions or subscriptions for sellers, built to your rules.
FIG 11 · Plan
Planning the build
Guides and pages that help you budget, choose a payments provider and decide what to build first.
04principles
FIG 12 · Process · 6 steps
Design the money flow, then the screens
A fixed written quote after a free call, then a staged build: discovery, an MVP for one category or one city, a pilot with real sellers, and scale. Weekly demos throughout. You own the code, the IP and your seller data.
- Step 01
Free call
Tell us the model, the sellers and the buyers. We ask about money flow, seller checks and reporting, not just the screens.
- Step 02
Discovery
The charge type and payout model, the seller checks, the reporting each market needs, and build vs buy.
- Step 03
Fixed written quote
A written scope and a fixed quote for the MVP, with the phases and what each one delivers, before any work starts.
- Step 04
MVP: one category or city
Buyer, seller and admin apps for the core loop, built in sprints with a demo every week.
- Step 05
Pilot with real sellers
Real listings, orders and payouts with a small group of sellers, checked under real conditions before a wider launch.
- Step 06
Scale and support
More categories, markets and features, with updates and fixes covered under terms agreed in your written scope.
FIG 13 · What you get
Everything included
Written into your fixed quote, so you know exactly what you are paying for before work starts.
10items
- Written scope and fixed quote
- Money-flow and charge-type design
- Seller compliance data model (INFORM, 1099-K, DAC7, UK)
- Buyer web app or mobile apps
- Seller dashboard
- Admin panel with disputes and payouts
- Stripe Connect or gateway payouts set up
- Search, reviews and messaging
- Analytics and reporting exports
- IP assignment: code and seller data are yours
FIG 14 · Tech & tools
The tools behind the work
Proven, well-supported tools, chosen for your project and set up in accounts your business owns.
- Next.js
- React
- Node.js
- Python
- PostgreSQL
- PostGIS
- Elasticsearch
- Redis
- Stripe Connect
- PayPal
- Razorpay
- Flutter
- React Native
- AWS
FIG 15 · Who it’s for
Marketplaces for founders, brands and B2B operators.
A platform you own, with the money flow and seller rules planned before launch.
3 audiences
Founders
A new marketplace, launched one category at a time.
Services, rentals or P2P marketplaces that start small, with a data model that won’t need a rewrite when more sellers, categories or countries arrive.
- MVP for one category or city
- Charge type chosen up front
- Seller checks from day one
- Code and data you own
B2B
B2B marketplaces for suppliers and distributors.
Company accounts, quotes, price lists and invoices, connected to the ERPs your sellers already run.
- Company accounts and roles
- Quotes and price lists
- ERP and logistics sync
- Invoices and payment terms
Replatforming
Outgrowing Sharetribe or a script?
We plan the move from a SaaS marketplace builder or a licensed script to a custom platform, with sellers, listings and reviews migrated.
- Audit of the current platform
- Seller and listing migration
- Payout continuity
- Fixed quote for the move
FIG 16 · Working with us from the USA and UK
Built in New Delhi. Run on your hours.
Every project gets a point of contact in New York or London and an engineering team in New Delhi. Here is how today’s working days line up, live.
New York
North America
--:--ET
New Delhi team Your working day- Shared working time
- ≈ 3 hours today
- New Delhi is
- 10.5 h ahead
- Live calls, your time
- 9 a.m. to 12 p.m. ET
London
UK & Europe
--:--UK
New Delhi team Your working day- Shared working time
- ≈ 4.5 hours today
- New Delhi is
- 5.5 h ahead
- Live calls, your time
- 9 a.m. to 1:30 p.m. UK
Three ways to work together
- 01
Fixed-scope project
A written scope, one fixed price and a dated plan. Suits websites, apps and MVPs.
- 02
Dedicated team
Designers and engineers on your roadmap every month, billed monthly.
- 03
White label
For US and UK agencies: our work, your brand, unbranded deliverables.
Every engagement
- Fixed quote in USD, GBP or INR after a free 30-minute call
- NDA before discovery. You own all code, designs and content
- A working demo every sprint, not status slides
- Reply within one business day, calls inside your hours
Calls on ET or UK hours
FIG 17 · Cost
What drives marketplace development cost and timeline
We don’t publish prices. These are the things that move the cost and timeline of a marketplace, so you can decide what goes in the first release.
| Driver | Lower cost | Higher cost |
|---|---|---|
| Platforms | A web app | Web plus native iOS and Android apps |
| Payments | One seller per order, one country | Split carts, several currencies and markets |
| Sellers | Individuals with light onboarding | Businesses with KYB, catalogues and ERP sync |
| Compliance | One market’s reporting | INFORM, 1099-K, DAC7 and UK reporting together |
| Trust and safety | Reviews and a report button | Disputes, payout holds, moderation and fraud checks |
Payment, verification and hosting costs grow with order volume. After a free call you get a written scope and a fixed quote.
Planning it out? How to build a marketplace app in 2026FIG 18 · Rules and dates
Marketplace seller rules and dates (checked 23 Oct 2026)
What changed for marketplaces, and when. Checked at each source on 23 Oct 2026. General guidance, not legal advice.
| Rule | Market | Date | What it means for your platform |
|---|---|---|---|
| INFORM Consumers Act | USA | In effect 27 Jun 2023 | Identify high-volume sellers; collect and verify their details within 10 days each |
| Form 1099-K threshold | USA | Reinstated by OBBBA (IRS, 23 Oct 2025) | Reporting when a payee exceeds $20,000 and 200 transactions |
| DAC7 | EU | In force 1 Jan 2023 | Report sellers of goods, services, property and transport rentals by 31 January |
| UK reporting rules for digital platforms | UK | From 1 Jan 2024 | Report sellers by 31 January after each calendar year |
General guidance from public sources, not legal advice; your counsel confirms what applies to you. Sources: FTC INFORM guidance; IRS IR-2025-107; European Commission DAC7 page; HMRC manual IEIM900100 (updated 15 Oct 2026).
FIG 19 · Compare
Build vs buy: custom, Sharetribe or Mirakl
| Custom build | Sharetribe | Mirakl | |
|---|---|---|---|
| What it is | Your own platform, built to your model | A hosted marketplace builder with an API | Enterprise marketplace software for retailers |
| Best for | A model, pricing or integration that is your edge | Testing a services or rental idea quickly | Large retailers adding third-party sellers |
| You own | The code, data and roadmap | Your data; the platform is a subscription | Your data; the platform is licensed |
| When to move on | Rarely: you change it yourself | When the model outgrows its customisation | When licence cost outweighs control |
FAQ
Frequently asked questions
Straight answers about Marketplace Development with Elgrith.
We don’t publish prices, because cost depends on scope: web or mobile, one seller per order or split carts, how much seller onboarding and reporting you need, and how many markets you launch in. Payment and verification costs then grow with volume. Our guide to building a marketplace app walks through the drivers, and after a free call you get a written scope and a fixed quote.
FIG 20 · Related
Keep exploring
On-Demand App Development
Delivery, booking & ride-hailing appsPayment Gateway Integration
Stripe, PayPal, Razorpay & moreMVP Development
Web, mobile and AI MVPs you ownSaaS Development
Multi-tenant apps, billing & AIWeb App Development
Portals, dashboards & internal toolsB2B E-commerce Development
Price lists, quotes, punchout & ERP sync
Free 30-minute call
Build a marketplace around the money flow.
Tell us the model, the sellers and the markets you have in mind, or the platform you have outgrown. After a free call you get a written scope and a fixed quote.
Pick a day for your call
OpenPick a day. You'll choose a time in your own time zone on the next step.





