This article was originally published on Jo4 Blog.

Everyone told me the same thing: "If you're building an affiliate marketplace, you need a payments team."

No, you don't. You need a very clear opinion about what your platform should and shouldn't do. For jo4, that opinion is: we never hold, move, or touch money. 14 database tables, 27 services, 146 source files, 81 test files — and not a single money-movement API call.

Here's how.

TL;DR