# PayPal Complete Payments for marketplaces and platforms (/limited-release/commerce-platform)



PayPal offers the following multi-party payment processing solutions for marketplaces and platforms that process payments on behalf of other businesses.

<img src="https://www.paypalobjects.com/devdoc/mp_cp_comparison.png" alt="image" />

**Connected Path**: Your merchant chooses PayPal as their payment processor (gateway). They can manage their payments using an existing PayPal account or creating a PayPal account. A merchant PayPal account is mandatory for the Connected Path solution.

**Managed Path**: Your merchant onboards onto your platform and they do not have to create or connect a PayPal account. PayPal powers the payment processing for your platform as a white-labeled or embedded financial solution. Your merchants are aware of PayPal's role as the payment facilitator (payfac), only when they accept the payment terms and conditions.

|                                   |                                                                                                                                                                                    |                                                                                                                                                            |
| --------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------- |
|                                   | **Connected Path**<br />                                                                                                                                                           | **Managed Path**<br />                                                                                                                                     |
| Merchant servicing<br />          | PayPal managed.<br />                                                                                                                                                              | Partner managed.<br />                                                                                                                                     |
| Merchant experience<br />         | Co-branding is possible.<br />                  Merchant is redirected to PayPal to complete onboarding. They should log into their PayPal account to manage their payments.<br /> | Partner-controlled white-labeled merchant onboarding. Settings and account management are unbranded.<br />                                                 |
| Risk management / liability<br /> | PayPal facilitates transactional and account risk management, including operational support.<br />                                                                                 | Partner should provide the necessary operations and tech resources for transactional and account risk management.<br />                                    |
| KYC compliance<br />              | Merchants provide data to PayPal. PayPal communicates with them to complete verification. PayPal adjudicates based on global regulatory frameworks.<br />                          | Partner takes advantage of PayPal's verification systems, gathers data from their merchants, and facilitates all verification-related communication.<br /> |
| Pricing<br />                     | PayPal sets the sell rate for merchants. Partner gets revenue share from PayPal.<br />                                                                                             | PayPal supports multiple models. For information on this, reach out to our sales team.<br />                                                               |