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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
Ceramicist in an apron photographing a bowl with his phone, his shop listings open on a laptop

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.

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.

Stripe Connect charge types compared (Stripe docs, read 23 Oct 2026)
Direct chargesDestination chargesSeparate charges and transfers
Who the customer paysThe seller’s connected accountThe platform, which passes funds to one sellerThe platform, which can split funds across several sellers
Refunds and disputesTaken from the seller’s balanceTaken from the platform’s balanceTaken from the platform’s balance
Stripe feesSeller or platform, your choicePlatformPlatform
FitsSaaS-style platforms where sellers deal with their own customersServices and rental marketplaces: one provider per bookingMulti-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 integration

FIG 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.

Handmade ceramic bowls and a kraft parcel tied with twine in front of a laptop showing marketplace listings
Marketplace Development · built in-house

01

Search and discovery

Listings search with filters, sorting and location search, on Elasticsearch or PostGIS when the catalogue or the map needs it.

02

Seller onboarding

Sign-up, KYC and KYB checks through your payments provider, tax details and the INFORM data you must collect.

03

Listings and catalogues

Products, services or rentals with variants, availability, pricing rules and bulk uploads for larger sellers.

04

Booking and checkout

Carts, quotes, bookings or rentals with deposits, and checkout through Stripe, PayPal or a regional gateway.

05

Commissions and payouts

Take rates by category or seller, split payouts, payout schedules and holds, reconciled in the admin panel.

06

Reviews and ratings

Two-way reviews tied to completed orders, with moderation and response tools.

07

Messaging

Buyer-seller messages with filters for off-platform payment requests and contact details.

08

Admin and reporting

Sellers, orders, disputes, payouts and the year-end data for 1099-K, DAC7 and UK reports.

Deliverables

10

deliverables, in writing

Included in every build, written into your fixed quote before work starts.

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.

  • Web, iOS and Android

    A web app first, or apps on both stores, from one back end.

    Web app development
  • Start with an MVP

    The core loop for one category or one city first, then scale.

    MVP development

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.

  1. 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.

  2. Step 02

    Discovery

    The charge type and payout model, the seller checks, the reporting each market needs, and build vs buy.

  3. 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.

  4. Step 04

    MVP: one category or city

    Buyer, seller and admin apps for the core loop, built in sprints with a demo every week.

  5. 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.

  6. 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

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.

Three ways to work together

  1. 01

    Fixed-scope project

    A written scope, one fixed price and a dated plan. Suits websites, apps and MVPs.

  2. 02

    Dedicated team

    Designers and engineers on your roadmap every month, billed monthly.

  3. 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
Book a call

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.

What drives marketplace development cost and timeline
DriverLower costHigher cost
PlatformsA web appWeb plus native iOS and Android apps
PaymentsOne seller per order, one countrySplit carts, several currencies and markets
SellersIndividuals with light onboardingBusinesses with KYB, catalogues and ERP sync
ComplianceOne market’s reportingINFORM, 1099-K, DAC7 and UK reporting together
Trust and safetyReviews and a report buttonDisputes, 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 2026

FIG 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.

Marketplace seller rules and dates (checked 23 Oct 2026)
RuleMarketDateWhat it means for your platform
INFORM Consumers ActUSAIn effect 27 Jun 2023Identify high-volume sellers; collect and verify their details within 10 days each
Form 1099-K thresholdUSAReinstated by OBBBA (IRS, 23 Oct 2025)Reporting when a payee exceeds $20,000 and 200 transactions
DAC7EUIn force 1 Jan 2023Report sellers of goods, services, property and transport rentals by 31 January
UK reporting rules for digital platformsUKFrom 1 Jan 2024Report 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

Build vs buy: custom, Sharetribe or Mirakl
Custom buildSharetribeMirakl
What it isYour own platform, built to your modelA hosted marketplace builder with an APIEnterprise marketplace software for retailers
Best forA model, pricing or integration that is your edgeTesting a services or rental idea quicklyLarge retailers adding third-party sellers
You ownThe code, data and roadmapYour data; the platform is a subscriptionYour data; the platform is licensed
When to move onRarely: you change it yourselfWhen the model outgrows its customisationWhen 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.

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.

connect@elgrith.com+91 96039 20001Start a project

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