Delivery-based
Release once delivery is confirmed.
on delivery.confirmed release 100%Keep B2B transactions on your marketplace.
Give buyers protected bank payments, let sellers receive directly into their own accounts, and earn on every transaction and FX conversion.
- Buyer pays locally.
- Seller gets paid directly.
- The transaction stays with you.
BuyerMüller Werkzeug GmbHBerlin · pays in EUR
SellerKestrel Textiles Pty LtdSydney · receives AUD
€48,200.00Seller receives A$79,530.00
Awaiting payment
- Buyer pays by bank
- Order funded, funds restricted
- Seller fulfils
- Delivery confirmed
- Restriction lifts, seller paid
Release ruleOn delivery confirmed
Your fee€241.00 · collected in the flow
The problem
The deal happens on your platform. The payment doesn’t.
Your marketplace introduces the buyer and supplier. Then they exchange bank details, send a wire, and the next order happens without you.
You lose
- Repeat orders
- Visibility into what actually closed
- Payments and FX revenue
- Control over the buyer experience
The buyer loses too. An upfront wire to an unfamiliar supplier is the riskiest payment in B2B.
Quidkey fixes both, without making your marketplace the seller or the custodian of funds.
Protected Pay
Protection that only exists on your platform.
The buyer pays from their existing bank account. Funds are credited to the seller’s own regulated account and restricted from withdrawal until your workflow confirms delivery.
- Buyer pays
- Seller sees the order is funded
- Seller fulfils
- Delivery or milestone confirmed
- Restriction lifts automatically
If the agreed conditions fail, the pre-authorised refund returns the funds to the buyer.
For buyers
Pay suppliers by bank without the risk of an unprotected wire.
For sellers
Ship knowing the order is already funded.
For you
Repeat orders that leave your platform lose their protection. That’s why they come back.
Revenue
Own the payment economics.
Every Protected Pay order pays you, and cross-border orders pay you twice. The fee is taken inside the payment flow, so there is nothing to bill and nothing to chase.
- No invoicing sellers.
- No fee reconciliation.
- No chasing.
0.5%On every Protected Pay order
Automatically collected from the payment flow.
FXOn cross-border transactions
Earn again through shared FX economics.
Global A2A
Buyer pays locally. Seller receives globally.
One integration connects local and cross-border bank rails.
- AUAustraliaPayTo / NPP
- UKUnited KingdomFaster Payments
- EUEuropeSEPA / SEPA Instant
- USUnited StatesSupported local rails
- SWIFTOver 30 more currenciesLocal-currency SWIFT payments, alongside the local rails above
- The buyer
- sees one all-in price in their own currency.
- The seller
- receives into their supported account and currency.
- Quidkey
- handles routing, accounts and FX underneath.
Payment workflows
Make the payment follow the transaction.
Release doesn’t have to be immediate. Build it around your marketplace events.
Acceptance window
Release automatically unless the buyer raises an issue within 48 hours.
after 48h unless issue.raised release 100%Milestone-based
30% on production, 60% on delivery, 10% after inspection.
30% production · 60% delivery · 10% inspectionRefund workflow
Return restricted funds when agreed conditions fail.
on conditions.failed refund buyerEvery workflow has a terminal state. Funds never sit restricted indefinitely.
Seller stays seller of record
You don’t need to become the merchant.
The commercial transaction stays between buyer and seller.
Your marketplace earns its fee without owning the goods or taking sale proceeds onto its balance sheet.
Compared
How Protected Pay compares.
| Option | Protection | Funds | Buyer setup | Cost |
|---|---|---|---|---|
| Direct wire | None | With the seller immediately | None | Bank fees plus FX spread, typically 2% or more |
| Third-party escrow | Yes | Held by the escrow agent | Account and KYB | Typically 1% to 3%, plus acquiring where cards are used |
| Protected Pay | Yes | In the seller’s own account, restricted | None | About 1% all-in |
White label
Your product. Your brand.
Your customers deal with your marketplace, not Quidkey, except where regulated disclosures are required.
Quidkey provides
- Seller KYB
- Regulated receiving accounts
- Local and cross-border rails
- FX
- Restriction and release workflows
- Fee collection
- APIs with webhooks
Next·Agentic purchasing
Built for autonomous B2B commerce.
The same rails let AI purchasing agents transact with your suppliers.
- Find supplier
- Compare offers
- Request approval
- Fund order
- Pay through Protected Pay
- Release on delivery
No new payment system. Your marketplace becomes transact-able by humans and agents through the same network.