■ B2B Marketplace Development

B2B marketplaces with credit, KYC, and trust infrastructure baked in.

We build the storefront, the catalogue, and the operator tooling. We also build the parts that make a marketplace defensible — net terms, identity, payouts, disputes, fraud. Most agencies stop after the storefront.

In production

CREOATE

cross-border B2B wholesale

Funding

$5M+

Fuel Ventures

Orders

800K+

lifetime processed

Catalogue

1M+

SKUs · 6,500 brands

Ritesh Agarwal, lead architect at Appycodes

■ Talk to the lead architect

Building a marketplace with credit, KYC, or net terms baked in? Bring it directly to Ritesh — no SDR, no qualification call.

Ritesh Agarwal · Lead Architect, Appycodes · LinkedIn

Start a project discussion Or call +91 92429 45793

The argument

Real B2B marketplaces are 60% trust infrastructure and 40% UI. Anyone who pitches the inverse hasn't shipped one.

■ What you get

Eight capabilities, shipped together.

You don't pick from a menu. A marketplace needs the storefront, the trust layer, and the operator tooling moving in lockstep — otherwise it never reaches the unit economics that justified building it.

Catalogue ingestion & normalisation

CSV, Shopify exports, manual entry, partner APIs — pulled into one model with dedupe, enrichment, and search-relevance built in. Scales past 1M SKUs.

KYC & identity orchestration

Multi-provider KYC routing, document verification, business-entity checks, AML and sanctions screening. The trust layer most agencies don't build.

Net-terms & credit engine

90-day net terms (à la CREOATE Trade Direct). Credit scoring, exposure limits, dunning, collections, reconciliation — the math that keeps default rates under 3%.

Marketplace payments & payouts

Stripe Connect-style splits, commission engines, multi-currency settlement, payout reconciliation, dispute and chargeback handling.

Cross-border logistics & duty

Carrier callbacks, customs documentation, duty/VAT calculation, returns routing. The infrastructure that lets a UK marketplace ship into the EU and US cleanly.

Fraud, anti-counterfeit, supplier vetting

Behavioural fraud signals, listing-content scanners, supplier onboarding checks, brand-protection workflows.

Storefront & buyer UX

Next.js storefront, embedding-relevance search (Algolia or Elastic tier), marketing subdomain on WordPress. The 10% above the waterline.

Operator tooling

The admin console the marketplace actually runs on — supplier desk, dispute queue, payout review, KYC overrides, fraud triage.

▼ The Marketplace Iceberg

What buyers see vs. what marketplaces actually are.

Roughly 60% of engineering investment on a serious marketplace goes into KYC, risk, fraud, payments, and credit. Storefront is the visible 10%.

If a quote pretends otherwise, the marketplace will eventually rebuild it. Better to build it correctly the first time.

■ Good fit if

Founders building cross-border B2B wholesale, trade, or supply marketplaces
Operators bolting net terms, BNPL, or credit onto an existing storefront
Marketplaces past the prototype stage that need real KYC, AML, and dispute infrastructure
Teams replacing a multi-vendor WooCommerce / Magento setup that can't carry the trust layer

■ Probably not a fit

Pure single-vendor e-commerce — a Shopify Plus build is faster and cheaper
Marketplaces with no payments, escrow, or trust requirement — many MVPs
Teams looking for the cheapest possible vendor instead of a partner who'll argue with the roadmap

■ Evidence · CREOATE

What the capabilities look like in production.

Catalogue at scale

6,500 brands averaging ~150 SKUs each, in CSV, Shopify exports, manual entry, and partner APIs. Ingestion → normalisation → dedupe → relevance is where the months of engineering go. Storage is trivial; the messy upstream formats are the hard part.

Net terms · Trade Direct

90-day net terms is CREOATE's wedge against Faire and Ankorstore. Credit scoring, dunning, collections, reconciliation sit underneath the BNPL promise. Default rate above 3–4% breaks the marketplace — so the credit engine is the unit economics.

Data layer on DynamoDB

Primary store is DynamoDB on AWS eu-west-2, single-table design with GSIs sized to the marketplace access patterns. Catalogue, orders, KYC state, payout queues — all there. Search relevance lives on an Elastic / Algolia tier alongside.

Long-form on the CREOATE case study. Adjacent infrastructure for Khatabook and other transactional platforms. API and integration work is where most of the trust-layer engineering lives.

■ Stack we ship on

What's in production on CREOATE.

We bring opinions, not religion. Your stack is fine if it fits.

Frontend

Next.js · WordPress marketing subdomain (headless)

Backend

Node.js · Python · serverless on AWS

Data

DynamoDB (primary store) · single-table design · GSIs for access patterns

Elastic / Algolia tier · embedding-based relevance

Media

S3 · eu-west-2 (London)

Payments

Stripe Connect-style flow · marketplace commission engine

■ How we work

Discovery → phased build → operator handover.

Three to four weeks of paid discovery first — we map the trust layer, the credit model, the catalogue shape, the operator workflows. You walk out with a system design and a phased plan whether or not you continue with us.

Build is phased and runs against working software, not Gantt charts. Storefront and operator tooling first. Trust layer, payments, and credit alongside. Two-week sprints, demo at the end of each, code in your repos.

We don't disappear at launch. The marketplace will need credit-engine tuning, fraud rule iteration, and supplier-onboarding adjustments for the first year. That's where we earn the long retainer.

"The homepage looks like e-commerce. The codebase is fintech with a storefront bolted on. Anyone selling you the inverse has never shipped one."
— Ritesh · Founder, Appycodes

■ If you're building one

Bring the credit and KYC question. We'll know within a call whether the rest of the build is worth talking about.

Start a marketplace conversation

■ Other services

We build a lot more than this.

Explore the rest of what we build.

SaaS Web App Development

MVP to production builds, multi-tenant, billing, AI features.

B2B marketplaces with credit, KYC, and trust infrastructure baked in.

Building a marketplace with credit, KYC, or net terms baked in? Bring it directly to Ritesh — no SDR, no qualification call.

Eight capabilities, shipped together.

Catalogue ingestion & normalisation

KYC & identity orchestration

Net-terms & credit engine

Marketplace payments & payouts

Cross-border logistics & duty

Fraud, anti-counterfeit, supplier vetting

Storefront & buyer UX

Operator tooling

What buyers see vs. what marketplaces actually are.

What the capabilities look like in production.

What's in production on CREOATE.

Discovery → phased build → operator handover.

Bring the credit and KYC question. We'll know within a call whether the rest of the build is worth talking about.

We build a lot more than this.

SaaS Web App Development

React Native App Development

Web App to Native Mobile App

Technical SEO for SaaS

Custom WordPress Development

Shopify Development Services

Custom WooCommerce Development

Maintenance & Support

AI App Completion

AI Prototype to Native App

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Startup Launch Support

API & Integration

AI SaaS Product Development

Custom LMS Development

Membership & WooCommerce Subscriptions

Shopify Migration

WordPress Security & Malware Removal

Laravel Development & Modernisation

Stripe Billing Engineering

Cloudflare Edge Engineering

Internal Tools & Admin Dashboards

Supabase Development

Headless WordPress & WooCommerce

Sanity CMS Development

Vue.js & Nuxt Development

WordPress Performance Optimisation

Custom WordPress Plugin Development

Knowledge Base & Community Platforms

Event Ticketing Platforms

AI Chatbot, RAG & Agent

Workflow Automation

Programmatic SEO Engineering