# Contractor payment API for platforms and marketplaces, DAC7 & 1099 | Abillio

Hire, manage and pay a freelance workforce from your platform. The Abillio API verifies freelancers, invoices in their name, pays out and covers DAC7 and 1099.

## The contractor payment API for platforms and marketplaces.
Hire, manage and pay a freelance workforce from inside your product. Abillio verifies each freelancer, issues compliant invoices in their name, pays them out in 170+ countries and takes DAC7 and 1099 reporting off your plate.

- 17,400+ freelancers
- 38k+ invoices
- €30M+ paid out
- 170+ countries


## Five steps from sign-up to paid.
Your product keeps the relationship with the freelancer. Abillio does the identity checks, the invoice, the payout and the tax reporting behind it, and tells your backend about every change.
1. Connect Create an account and an API key. Build the whole flow in the sandbox with test money; going live only changes the account header.
2. Onboard and verify freelancers Invite by API or by email link. The freelancer gives consent, passes the identity check (KYC, AML and PEP), adds a payout method and accepts the terms on a hosted page.
3. Invoice in their name Send the work and the price. Abillio issues the invoice in the freelancer's name with the number, VAT, fee and PDF. Up to 100 invoices in one request.
4. Fund one wallet, pay everyone Top up one wallet by bank transfer with the reference in your account, or by card, and pay invoices from the balance. Payouts go out within 1 working day of payment.
5. Webhooks and reports Get an event for onboarding, KYC, invoices, commission and payouts. Abillio files DAC7 for freelancers outside Latvia and Estonia, and 1099s for US freelancers.

## You pay freelancers, or your buyers do.
### Self-billing from one wallet
Freelancers invoice your platform through Abillio. You fund one wallet and pay many invoices from it; each freelancer is paid out to their own method.
### Invoices to brands and employers
Create each brand or employer once as a client. Invoices go out in the freelancer's name to the buyer, who pays by card or bank. Your commission is credited to your wallet with every payment.

## Built to be tested before it touches money.
- The full flow with test money, including simulated events.
- Every request carries an Ed25519 signature. Keys are limited to the IP addresses and actions you allow.
- A key that can pay or pay out needs an outgoing limit per operation.
- A blocked step answers with every reason it is blocked, not just the first.
- A plain-language guide, OpenAPI reference and example source code.

## What Abillio adds on top of payment rails.
Payment rails move money. A platform that pays individuals also needs identity checks, an invoice for every payout and tax reporting. Abillio does those parts, and it is not an Employer of Record.

## Platforms that pay people, not companies.
### Freelance and gig marketplaces
Clients hire freelancers on your platform; Abillio invoices and pays every job.
### UGC and creator platforms
Brands pay creators through invoices in the creator's name, and your commission comes back to you.
### Digital goods marketplaces
Pay the people who sell designs, templates and assets, with the tax paperwork handled.
### Affiliate and partner networks
Pay individual partners their earnings with an invoice behind every payout.

## Supply Family pays its creators through the Abillio API.

## Less admin, more control.

## What developers and product teams ask
### Is there a sandbox?
Yes. A sandbox account runs the whole flow with test money: invite, verify, invoice, pay and webhooks. You can build there before your company checks are finished. Moving to live changes only the X-Account header.
### How are API requests authenticated?
Each request is signed with an Ed25519 key in the headers X-API-Key, X-Account, X-API-Timestamp and X-API-Signature. Keys are limited to the IP addresses and actions you choose, and a key that can pay needs an outgoing limit per operation.
### Which events do webhooks send?
Engagement events for onboarding, KYC, invoices, commission and payouts, plus one when a bulk invoice request completes. Treat each event as a prompt to read the current state from the API.
### Who verifies the freelancers?
Abillio. The freelancer completes the check on a hosted page you open from your product: Smart-ID or another eID through eIDeasy (options depend on your country), or an ID document scan with a selfie. Abillio also runs AML and PEP checks and collects the payout method.
### Does my platform still have to report DAC7?
No. Because you pay Abillio, a legal entity, DAC7 reporting on those payouts comes off your plate. Abillio pays the taxes for freelancers in Latvia and Estonia, so no DAC7 is needed for them, and files DAC7 for everyone else. US freelancers get a 1099.
### Can my platform take a commission?
Yes. Set a commission rate when you invite the freelancer. They see it and accept it during sign-up, and your commission is credited to your wallet with each payment.
### Can you hold money until the work is accepted?
No. Abillio does not offer escrow or per-project deposits. Your wallet is one balance for the account, and you decide when to pay each invoice from it.
### Is Abillio an Employer of Record?
No. Freelancers stay independent. Abillio is the legal entity behind their invoices: it issues them, pays the freelancer out and does the tax reporting. It does not employ anyone or run payroll.
### What does it cost?
4% of each paid invoice, no subscription, 3% above €50k a month, and custom pricing above €80k a month. There is no setup fee.
### Do we have to use the API?
No. Everything also works in the dashboard: invite freelancers by email, approve invoices and pay them in batches. Many teams start there and add the API later.

## When the Abillio API is the right fit
- Abillio is best when your platform pays independent freelancers or creators who don't have their own company and need compliant invoices.
- Use the Abillio API when you want onboarding, invoicing, global payouts and DAC7 reporting inside your product without building them.
- Abillio is not suitable if you need employee payroll, EOR services or escrow.

## Show us your payout flow.
Book a call and we'll map it to the API with you, or create a free account and start in the sandbox.

## Keep reading

Source: https://abill.io/en/for-marketplaces/