Mirakl Payout vs UnPay Reconciliation OS

Mirakl Payout automates marketplace seller payments from reconciliation through disbursement. It reconciles orders, refunds, commissions, and seller balances, while operators monitor balances and trigger payouts through configurable rules. The product works alongside existing pay-in providers and can centralize payouts across multiple providers. Seller onboarding is embedded in Mirakl, with pre-populated information and automatic KYC status updates in the back office. Mirakl says the service supports U.S. money-transmission requirements and is built to support EU PSD2 payout requirements. Segregated escrow accounts hold third-party funds before distribution. Sellers can receive payouts in their preferred currency without additional fees, according to the product FAQ. In Europe, Mangopay technology supplies e-wallet and know-your-business capabilities. Listed security credentials include SOC 1/2 Type 2 and ISO/IEC 27001, 27018, and 22031 certifications, plus encryption in transit and at rest. The API-first platform offers REST APIs, connectors, and SDK support. Pricing is on request.

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