Money Flow

Where every rupiah goes. SEKEN earns from three sources per transaction. Sellers pay zero commission. Buyers pay item price plus fees that fund protection, shipping, and payment processing.

The full flow (sankey)

Checkout breakdown, IDR 120,000 item example

Component	Amount	Goes to
Item price	IDR 120,000	Escrow → seller on completion
Forward shipping	IDR 22,000	Biteship 20k + SEKEN markup 2k
Buyer Protection Fee	IDR 6,500	SEKEN revenue (flat fee)
Asuransi	IDR 1,000	Biteship insurance
Biaya pembayaran	IDR 2,500	Xendit 1.5k + SEKEN markup 1k
Total checkout	IDR 152,000	,

SEKEN revenue per transaction

Net ~IDR 10,065 per completed transaction, from three markup streams (gross ~IDR 11,000 before Xendit/Biteship processing costs):

Stream	Amount	Source
Buyer Protection Fee	IDR 6,500	Flat fee on every order
Shipping markup	IDR 2,000	Added to Biteship rate
Payment fee markup	IDR 2,500	Added to Xendit fee
Net SEKEN revenue	~IDR 10,065	per transaction (gross ~IDR 11,000)

The buyer-facing Buyer Protection Fee is a flat IDR 10,000 (proteksi 6,500 + pembayaran 2,500 + asuransi 1,000), live in production, not a temporary state.

Three principles

1. Sellers pay zero commission, forever

Permanent business decision, type-enforced at the database layer via BUG-1 and BUG-2 regression tests. Reintroducing total_commission is a TypeScript compile error. This is non-negotiable.

2. Every party pays for what they used

• Buyers pay for the item, shipping, and protection
• Sellers receive 100% of listing price
• Biteship gets paid for shipping
• Xendit gets paid for processing
• SEKEN earns service fees

3. Protection fee is service revenue, not insurance

The IDR 6,500 BPF is the price of dispute resolution and platform safety. It's earned whether or not a dispute occurs, like a credit card processing fee, not an insurance premium.

Escrow logic

Item price held in fin_seller_balances from payment confirmation until completion:

Disbursement to seller

When order reaches COMPLETED:

1. fin_disbursement row created with status pending
2. Maker-checker review on amounts ≥ IDR 500,000
3. Finance admin approves via cuan portal
4. Funds transferred to seller's bank via Xendit
5. Status updated to disbursed
6. Seller receives notification

Maker-checker rule: Disbursements ≥ IDR 500,000 require approval from a different finance admin than the one who initiated. Prevents single-actor fraud.

Boost pricing

Separate revenue stream from per-transaction fees. Sellers pay per-day for visibility.

Product	Price/day	Price/week (7d)
Homepage Spotlight	IDR 25,000	IDR 175,000
Search Boost	IDR 15,000	IDR 105,000
Email Recommendation	IDR 50,000	IDR 350,000

Pricing to refine: These are launch prices. Will be A/B tested and adjusted based on uptake and ROI for sellers.

Cost structure

What SEKEN doesn't keep:

Pass-through	Goes to
Item price	Seller
Biteship base shipping rate	Biteship
Asuransi	Biteship insurance product
Xendit base payment fee	Xendit

Cuan portal, financial command center

All money flow is visible in cuan.pasarseken.id:

• Today's GMV, MTD Revenue, Active Sellers, Orders Today
• Platform Revenue Breakdown (Commission, Boost, Premium)
• Total Platform Revenue
• Disbursement Queue with maker-checker
• Fraud Alerts
• Net Revenue Reconciliation
• Xero Sync (🟡 placeholder)
• Audit Log

See Cuan Portal for full module map.

Future financial separation

Currently cuan is bundled in the main pasarseken repo. Future state separates the finance module entirely:

See Cuan Portal for migration plan.

Where to look in the codebase

What you want	Where it lives
Fee calculation	domain/finance/CalculateOrderFees.ts
Escrow management	domain/finance/EscrowManager.ts
Disbursement creation	domain/finance/CreateDisbursement.ts
Maker-checker	domain/finance/MakerCheckerPolicy.ts
Boost pricing	domain/promotions/BoostPricing.ts
Cuan dashboard	src/app/pages/cuan/FinancesDashboard.tsx

---

Next: Database Schema →