LEDGERLINE

Ledger-first payments for marketplaces

MONEYMOVES.YOURLEDGERSHOULDN'TGUESS.

Ledgerline Pay is the payments backbone for marketplaces and platforms. Split a charge nine ways, settle sellers in 41 currencies, and reconcile every cent on a double-entry ledger that never drifts. One API. Zero spreadsheets.

Get API KeysRead the Docs
▪ $4.2B settled last quarter▪ 99.995% uptime▪ 180ms median auth

Ledgerline Rails — how it works

FOUR STEPS. ZERO RECONCILIATION DEBT.

TRANSFERtr_9f2KxQ

$12,480.00

marketplace payout · 9-way split

Ledgerline Rails●●●● 4419
CHARGEch_4Lm2vZ

€3,150.00

SEPA instant · settled T+0

Ledgerline Rails●●●● 4419
LEDGER ENTRYle_8Bq7nW

¥940,200

double-entry · balanced ✓

Ledgerline Rails●●●● 4419
Fanned stack of Ledgerline payment cards in lime, pink and black
  1. 01

    CONNECT

    Drop in the Ledgerline SDK, register your platform, map your sellers. Most teams are live in a sandbox before lunch.

  2. 02

    ROUTE

    Rails picks the cheapest compliant path for every transfer. Card, ACH, RTP, SEPA Instant. You never touch a BIN table.

  3. 03

    SETTLE

    Sellers get paid in T+0 in 41 currencies. Split one charge across nine parties with a single API call.

  4. 04

    RECONCILE

    Every movement lands as a balanced double-entry on Ledgerline Ledger. Month-end close drops from three weeks to one afternoon.

For developers

ONE CALL. NINE PAYOUTS. BALANCED.

This is a real shape of a real request. Create a transfer, split it across accounts, settle same-day, and get the double-entry ledger rows back in the response. No batch files. No nightly jobs.

POST /v1/transfers
curl https://api.ledgerline.dev/v1/transfers \  -H "Authorization: Bearer sk_live_ll_9x2..." \  -H "Idempotency-Key: order-88412-payout" \  -d amount=1248000 \  -d currency=usd \  -d "splits[0][account]=acct_seller_4419" \  -d "splits[0][share]=0.85" \  -d "splits[1][account]=acct_platform_main" \  -d "splits[1][share]=0.15" \  -d settle=t_plus_zero
200 OK — 184ms
{
  "id": "tr_9f2KxQvR7mPd",
  "object": "transfer",
  "status": "settled",
  "amount": 1248000,
  "currency": "usd",
  "ledger_entries": [
    { "account": "acct_seller_4419",   "debit": 0, "credit": 1060800 },
    { "account": "acct_platform_main", "debit": 0, "credit": 187200 }
  ],
  "balanced": true,
  "settled_at": "2026-07-07T14:02:11Z"
}

SDKs THAT DON'T FIGHT YOU

TypeScript, Python, Go, Ruby. Typed end to end, versioned monthly, no breaking changes without a 12-month sunset.

IDEMPOTENT BY DEFAULT

Every write takes an Idempotency-Key. Retry storms, double-clicks, flaky networks — the ledger stays balanced.

WEBHOOKS YOU CAN TRUST

Signed, ordered, replayable for 30 days. Miss a week of events? Replay them from the dashboard in one click.

Abstract ledger network with lime and pink nodes

Pricing

PRICED PER ENTRY. NOT PER SURPRISE.

Charges cost what charges cost. The ledger is priced per entry, so you pay for what you record, not for a seat license someone in procurement negotiated in 2019.

STARTER RAILS

2.7% + 10¢

per successful charge

Free up to 50K ledger entries / mo

For marketplaces doing under $250K a month. Everything on the platform, no monthly minimum, no sales call required.

  • Split payments (up to 4 parties)
  • T+1 settlement, 12 currencies
  • Hosted onboarding for sellers
  • Email support, 24h response
Start Free
MOST PICKED

GROWTH RAILS

2.4% + 8¢

per successful charge

$0.0004 per ledger entry after 1M / mo

For platforms past product-market fit. Faster money, more currencies, and a human who answers the phone.

  • Split payments (up to 9 parties)
  • T+0 settlement, 41 currencies
  • Instant payouts to debit cards
  • Slack support, 1h response
  • Reconciliation exports (CSV, Snowflake)
Get API Keys

INFRA RAILS

Custom

volume-based interchange++

Dedicated ledger shard, unlimited entries

For companies moving $10M+ a month. Your own ledger shard, your own rails mix, your own deal.

  • Unlimited split parties
  • T+0 settlement, 41 currencies
  • Dedicated routing policies
  • 99.995% uptime SLA with credits
  • Named engineer, shared pager
Talk to Sales