How Kordiva Works

This guide covers Business Commerce for registered companies and sole traders. Applications are available for MK, AL, RS and BA. Natural persons use the separate Individual MoR guides. Booking and Rent-a-Car follow distinct workflows.

Foundations

Kordiva E-commerce connects catalog, storefront, checkout, and orders in one system. You do not need to understand Stripe internals to get started — the important distinction is between a sale, a successful payment, and a bank payout.

SELLOnline StoreCatalog, cart, theme and domain

SELLCheckout LinksDirect product or offer link

SELLAPI integrationYour website, Kordiva commerce

ONE SHARED SYSTEMProducts · Payments · OrdersKordiva keeps the commerce flow connected.

Three ways to sell

Online StoreFor a complete catalog, cart, theme, domain, and standard shopping flow.

Checkout LinkFor sending a specific product or offer directly to a customer.

API integrationFor businesses that already have a website and want Kordiva commerce infrastructure behind it.

All three flows can use the same products, orders, and payment infrastructure.

From product to payout

1. The merchant creates an offer — The product has a price, description, tax settings, and fulfillment type.
2. The customer pays — The payment is processed through Stripe within the Kordiva flow.
3. Kordiva confirms the transaction — A browser redirect alone is not proof of payment; Kordiva verifies the real payment status.
4. The merchant fulfills the order — Physical products use shipping evidence, while digital products and deposits follow a different fulfillment path.
5. Payout eligibility is evaluated — Timing depends on order type, card origin, and applicable safety conditions.
6. Payout goes to the business bank — Once the conditions are met, eligible funds are paid to the supported business bank account.

Who is responsible for what?

Party	Role
Merchant	Sells the product or service and remains responsible for the offer, fulfillment, returns, warranties, and tax treatment.
Kordiva	Provides the storefront, merchant dashboard, checkout, order records, refunds, disputes, and payout logic.
Stripe	Provides the payment infrastructure and processes the card transaction.
Bank	Receives the eligible payout into the merchant business account.

Stripe Connect

Kordiva does not open a standalone Stripe account that a customer uses independently. Payment onboarding is completed through Kordiva and Stripe performs the required verification.

What next?

If you are still setting up your store, continue with the Merchant Quickstart. If you are already selling, read Transactions & Payouts to understand the path from payment to bank.