Stripe Connect Settlement & Payout Architecture

Overview

Ordrly uses Stripe Connect to manage payment processing and marketplace settlement. Stripe handles payment capture, webhook reconciliation, and connected account transfers.

This article explains how funds move through the system for both immediate payment and Net Terms orders.

1. Immediate Payment Orders

• Retailer pays via card or ACH (processed through Stripe).
• Payment is captured immediately.
• Stripe confirms payment via webhook.
• Funds are allocated according to marketplace configuration.
• Seller payout is processed via Stripe Connect.

2. Net Terms Orders

• No funds are captured at checkout.
• An invoice is created.
• Seller payout is deferred.
• When the retailer pays the invoice via Stripe:
• Payment is confirmed via webhook.
• Invoice is marked as paid.
• Seller payout is released.

Ordrly does not advance funds for Net Terms orders.

3. Webhook Reconciliation

Stripe webhooks are used to:

• Confirm successful payments
• Update invoice state
• Trigger payout release
• Reconcile refunds

This ensures deterministic financial state transitions.

4. Refunds & Adjustments

• Refunds are processed through Stripe.
• Invoice balances are updated when applicable.
• Allocation logic determines financial responsibility.

5. Risk Model

• Stripe handles payment processing.
• Sellers are paid only after successful payment confirmation.
• No marketplace-funded payout advances are issued.

Why This Matters

Ordrly’s Stripe Connect architecture ensures:

• Transparent payment handling
• Controlled payout timing
• Audit-ready reconciliation
• Clear allocation of financial responsibility