Embedded Payments API

The money-movement infrastructure built for platforms that can't afford to wait. Settle in 90 seconds. Price simply. Deploy in days.

$3.1B Processed to date
90s Settlement time
0.2% + $0.10 Flat interchange rate
99.998% Uptime (TTM)
SOC 2 Type II PCI DSS Level 1 Real-time Rails + ACH
What we heard from you

Three things your team
told us in discovery

"

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.

— VP Engineering, Mid-market SaaS marketplace
🕐
"Settlement takes 2–3 days"

ACH and legacy rails leave your sellers waiting. Churn follows when competitors offer same-day.

💸
"Fees are opaque and variable"

Interchange-plus pricing means finance can never model revenue. Surprises every quarter.

🔧
"Integration took 8 months"

Enterprise payment APIs are built for banks, not builders. Documentation is incomplete. Support is slow.

The cost of the problem

Slow money is expensive money

Every day your payouts sit in processing is a day your sellers look elsewhere. These numbers are industry medians — your CFO will recognise them.

17%
Seller churn attributable to slow payouts

Platforms with T+2 or longer settlement lose nearly 1 in 6 sellers annually to faster-paying competitors. Each lost seller averages $11K GMV.

Source: Stripe Platform Index 2024
$840K
Annual engineering cost to maintain a custom payout stack

Two senior engineers managing reconciliation, exception handling, and bank integrations. That team could be shipping product features instead.

Based on your team's estimates
3.2×
Higher compliance exposure per incident vs. delegated models

Platforms that own their payment stack absorb direct PCI and BSA liability. One failed audit costs $50K–$500K in remediation plus reputational risk.

Lexis Nexis Risk 2024
How it works

One API. Every money movement.

1
Embed the SDK (2 lines)

Drop our React component or REST endpoint into your existing checkout. No redirect, no iframe — your UX, our rails.

2
Funds captured & held in your ledger

We custody buyer funds in FDIC-insured accounts. Your platform ledger updates in real time. No bank partnership required on your end.

3
Trigger payouts via API

Call POST /v1/payouts whenever your logic says go — at settlement, milestone, or on-demand.

4
Seller receives funds in 90 seconds

RTP and Push-to-Debit rails deliver directly to any US bank or debit card. ACH fallback for remaining 4% of accounts.

Key specs
Settlement SLA ≤ 90 seconds
Interchange rate 0.2% + $0.10
Monthly platform fee $0 base
Rails supported RTP, P2D, ACH
Compliance scope PCI L1, SOC 2
Typical integration 2–3 weeks

No minimum volume. No lock-in. Cancel anytime. We succeed when you grow.

The developer experience

Trigger a payout in under 5 minutes

ledgerline-payout.js  ·  Node 20
// Trigger a real-time payout to a seller const ledgerline = require('@ledgerline/node'); const ll = new ledgerline.Client({ apiKey: process.env.LL_KEY }); const payout = await ll.payouts.create({ amount: 25000, // cents currency: "usd", destination: "seller_9kXm2p", rail: "rtp", // real-time idempotency_key: "order_abc123", metadata: { order_id: "ord_abc123" } }); // ✓ payout.status === "settled" (avg 68s) // ✓ payout.fee === "$0.60" (0.2% of $250 + $0.10) // ✓ payout.settled_at === ISO timestamp

What this unlocks

Idempotent by design

Retry safely. Duplicate calls with the same key are a no-op — no double pays.

Webhook events on every state

payout.settled, payout.failed, payout.returned.

Dashboard + reconciliation export

Live ledger view, CSV/JSON export, and a QuickBooks connector — built in.

Fraud signals included

Every payout carries a risk score and velocity flag. Block before you send, not after.

Financial impact

The ROI model for your business

Based on 120K annual transactions, $250 avg. payout, current Stripe Connect pricing.

$314K

Estimated first-year savings switching from Stripe Connect Standard to Ledgerline.

Current annual fees (Stripe Connect Standard) − $780,000
Ledgerline annual fees (0.2% + $0.10 × 120K txns) − $312,000
Engineering savings (reclaim 1.5 FTEs) + $210,000
Seller churn reduction (est. 40 sellers retained) + $176,000 GMV
Net first-year impact + $314,000

* 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
Customer proof

$3.1B processed. Zero settlement failures.

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.

RK
Ravi Krishnan
CTO, Craftwork — B2B services marketplace, $180M GMV
11-day integration 8.9 / 10 seller sat 90s settlement live
$3.1B
+$1.2B YoY
Total volume processed
340+
+140 in 12 months
Platform customers
99.998%
0 missed SLAs
Uptime, trailing 12 months
Why Ledgerline

No one else does all five

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
✓ = fully available Partial = limited or add-on ✗ = not available
Pricing

Simple enough to explain to your CFO

No monthly minimums. No hidden interchange. No surprise invoices. You pay per settled payout — that's it.

Starter
$0 / month
0.2% + $0.10 per payout
Up to $1M monthly volume
  • Real-time RTP + ACH rails
  • 90-second settlement SLA
  • REST API + Node, Python SDKs
  • Dashboard + CSV export
  • Webhook events
  • Email support (24h SLA)
  • Dedicated CSM
  • Custom SLAs
Start for free
Enterprise
Custom
Volume negotiated
$10M+ monthly volume
  • Everything in Growth
  • Custom SLAs (99.99% uptime)
  • Dedicated CSM + SRE on-call
  • International corridors (EU, AU)
  • Private ledger deployment
  • BAA for HIPAA compliance
  • Custom onboarding playbook
  • Quarterly business review
Talk to sales
Implementation

Live in 2–3 weeks, not 8 months

Your dedicated onboarding engineer manages the entire integration. You review and approve.

Week 0
Kickoff
  • Intro call (1h)
  • Sandbox keys issued
  • Arch review
  • API access granted
Day 1
Week 1
Integration
  • SDK install + auth
  • Payout endpoint wired
  • Webhook handlers
  • Seller KYC flow
5 days
Week 2
Testing
  • Sandbox QA
  • Edge case coverage
  • Security review
  • Load test (1K TPS)
5 days
Week 3
Go-live
  • Prod keys issued
  • Soft launch (10%)
  • Full rollout
  • Hypercare (30 days)
Day 15–21
Dedicated onboarding engineer

Named engineer on Slack from day 1 through go-live. No ticketing queue.

Migration playbook included

Step-by-step runbook with your existing stack's cutover plan pre-written.

Zero downtime cutover

Traffic splits and dual-write mode mean no service interruption for your sellers.

Your next step

Let's run the numbers
on your payouts.

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.

SOC 2 Type II PCI DSS Level 1 256-bit AES FDIC insured
sales@ledgerline.io ledgerline.io San Francisco, CA