The money-movement infrastructure built for platforms that can't afford to wait. Settle in 90 seconds. Price simply. Deploy in days.
We built our own payout layer in 2021 and it works — barely. Every quarter we patch something. Settlement reconciliation alone costs two engineers a week. We're a marketplace, not a bank. We shouldn't be doing this.
ACH and legacy rails leave your sellers waiting. Churn follows when competitors offer same-day.
Interchange-plus pricing means finance can never model revenue. Surprises every quarter.
Enterprise payment APIs are built for banks, not builders. Documentation is incomplete. Support is slow.
Every day your payouts sit in processing is a day your sellers look elsewhere. These numbers are industry medians — your CFO will recognise them.
Platforms with T+2 or longer settlement lose nearly 1 in 6 sellers annually to faster-paying competitors. Each lost seller averages $11K GMV.
Two senior engineers managing reconciliation, exception handling, and bank integrations. That team could be shipping product features instead.
Platforms that own their payment stack absorb direct PCI and BSA liability. One failed audit costs $50K–$500K in remediation plus reputational risk.
Drop our React component or REST endpoint into your existing checkout. No redirect, no iframe — your UX, our rails.
We custody buyer funds in FDIC-insured accounts. Your platform ledger updates in real time. No bank partnership required on your end.
Call POST /v1/payouts whenever your logic says go — at settlement, milestone, or on-demand.
RTP and Push-to-Debit rails deliver directly to any US bank or debit card. ACH fallback for remaining 4% of accounts.
No minimum volume. No lock-in. Cancel anytime. We succeed when you grow.
What this unlocks
Retry safely. Duplicate calls with the same key are a no-op — no double pays.
payout.settled, payout.failed, payout.returned.
Live ledger view, CSV/JSON export, and a QuickBooks connector — built in.
Every payout carries a risk score and velocity flag. Block before you send, not after.
Based on 120K annual transactions, $250 avg. payout, current Stripe Connect pricing.
Estimated first-year savings switching from Stripe Connect Standard to Ledgerline.
* Assumes 120K payouts/yr, $250 avg, 17% current churn rate, $11K seller GMV. Engineering savings based on 1.5 FTE at $140K fully-loaded. Assumptions adjustable in our shared model.
Side-by-side comparison
| Metric | Today | Ledgerline |
|---|---|---|
| Fee per $250 payout | $1.63 | $0.60 |
| Settlement time | T+2 days | ≤ 90 seconds |
| Monthly platform fee | $500+ | $0 |
| Compliance scope | Shared | Fully delegated |
| Integration time | N/A (legacy) | 2–3 weeks |
We switched from Stripe Connect in Q2. Within 30 days, our seller satisfaction score went from 6.2 to 8.9 — almost entirely driven by faster payouts. The Ledgerline team had us live in 11 days. It was the easiest vendor migration I've done in 15 years of engineering.
The only embedded payout API with real-time rails, flat pricing, and full compliance delegation.
| Capability | Ledgerline | Stripe Connect | Adyen for Platforms | Modern Treasury | Custom Build |
|---|---|---|---|---|---|
| Real-time settlement (≤ 90s) | ✓ | ✗ | Partial | ✗ | Partial |
| Flat transparent pricing | ✓ | ✗ | ✗ | ✓ | ✗ |
| Full PCI & compliance delegation | ✓ | Partial | ✓ | ✗ | ✗ |
| Developer-first API + SDK | ✓ | ✓ | ✗ | ✓ | ✗ |
| Integration in < 3 weeks | ✓ | 4–8 wks | ✗ | 4–6 wks | ✗ |
No monthly minimums. No hidden interchange. No surprise invoices. You pay per settled payout — that's it.
Your dedicated onboarding engineer manages the entire integration. You review and approve.
Named engineer on Slack from day 1 through go-live. No ticketing queue.
Step-by-step runbook with your existing stack's cutover plan pre-written.
Traffic splits and dual-write mode mean no service interruption for your sellers.
Book a 30-minute technical call. We'll model your exact volume, share a live sandbox, and give you a personalised migration plan — no commitment required.