The money movement API for software platforms
Hold, move, and pay out money for everyone on your platform.
Ledgerline is one API for platform balances, user accounts, and payouts in 40 countries, with a double-entry ledger beneath every cent.
Recent payouts
Sandbox$1,250.00USD
RTP · Chase ••4821
Settled in 1.4 s€860.00EUR
SEPA Instant · BBVA ••7730
Settled in 1.7 s£715.50GBP
Faster Payments · Monzo ••2210
Settled in 1.2 sR$3,200.00BRL
PIX · Nubank ••5518
Settled in 0.9 s
Platforms moving money with Ledgerline
Read the case studiesThe API
One request. Three balanced postings. Settled in 1.4 seconds.
Every payout is a single call. Ledgerline moves the amount from the platform’s balance to the recipient’s, books the fee, and settles to their bank. Each step is a double-entry posting, a debit and an equal credit, that you can query.
curl https://api.ledgerline.example/v1/payouts \ -H "Authorization: Bearer sk_sandbox_4eC39HqLyjWDarjtT1zdp7dc" \ -H "Idempotency-Key: payout-gw-2026-11-05-0418" \ -H "Content-Type: application/json" \ -d '{ "amount": "1250.00", "currency": "USD", "source": "acct_gigwell_operating", "destination": "acct_maya_okafor", "bank_account": "ba_chase_4821", "rail": "rtp" }'ResponseStreaming…
Press “Run request” to send this payout to the sandbox.
LedgerEvery debit has an equal credit
Gigwell · USD
Gigwell operating balanceLiability
acct_gigwell_operating · Liability
Maya Okafor · freelancer balanceLiability
acct_maya_okafor · Liability
Gigwell operating balanceLiability
acct_gigwell_operating · Liability
Ledgerline fee revenueRevenue
acct_ledgerline_fees · Revenue
Maya Okafor · freelancer balanceLiability
acct_maya_okafor · Liability
RTP settlement accountAsset
acct_rtp_settlement · Asset
to Chase checking ••4821
Money flow
Follow a dollar from checkout to a bank account.
Clients pay Gigwell. Gigwell keeps its commission and credits each engineer’s balance. Ledgerline pays each balance out on the fastest rail the bank supports. Every hop is a ledger entry.
01
Customers pay
Card and bank payments land in the platform balance.
Studio booking
Mix and master
Live sound, two nights
02
Platform balance
Gigwell keeps a 12% commission.
Gigwell operating
$0.00
Commission 12% · $459.60
03
Seller balances
Each engineer has their own account.
Tomás Reyes
Maya Okafor
Callum Shaw
04
Bank accounts
Paid out on RTP in seconds, or ACH the same day.
Wells Fargo ••6604
Chase ••4821
Citi ••1149
Sample data · 3 payments in, 3 payouts out
Coverage
Forty countries. Six rails. One integration.
Pay out in local currency on domestic rails where they exist, and on SWIFT where they do not. Choose a country to see its currency, rails, and settlement time.
Europe
United Kingdom
Currency
Rails
Fastest settlement
Americas
Europe
Asia Pacific
Middle East & Africa
Built for compliance
The regulated parts, already done.
- 01
Licensing
Authorised as an electronic money institution in the UK and the EU, and licensed as a money transmitter across the United States.
- 02
KYC and KYB built in
Verify people and businesses inside your own onboarding flow, through the same API, with ongoing monitoring.
- 03
Sanctions screening
Every account and payout is screened against OFAC, UK, EU, and UN lists before money moves, and rescreened when lists change.
- 04
Safeguarded funds
Your users’ money is held at partner banks, apart from Ledgerline’s own funds, and reconciled every day.
- 05
SOC 2 Type II
Audited every year. The report is available under NDA.
Ledgerline is a fictional company created for this template. It holds no licences, certifications, or customer funds, and nothing on this site is an offer of financial services.
By the numbers
- moved through Ledgerline last year
- $41B
- API uptime over the past 12 months
- 99.99%
- payouts on instant rails
- under2 s
Sample figures for a fictional company.
Developers
Documentation-grade, down to the error codes.
Predictable resources, versioned responses, and a sandbox that behaves exactly like production.
01
SDKs for four languages
Typed clients for Node, Python, Go, and Ruby, generated from one OpenAPI spec.
npm install @ledgerline/nodepip install ledgerline02
Sandbox keys
Every account starts with sandbox keys and simulated rails that settle like the real ones.
const ll = new Ledgerline(sandboxKey);await ll.sandbox.settle(payout.id);03
Webhooks with signed payloads
Each event carries an HMAC signature and a timestamp, so you can verify it and reject replays.
const e = ll.webhooks.verify(body, sig);if (e.type === 'payout.settled') pay(e);04
Idempotency keys
Retry any request safely. The same key always returns the first result, never a second payout.
const opts = { idempotencyKey: run.id };await ll.payouts.create(params, opts);
Talk to sales
Tell us what your platform needs to move.
A payments specialist in London or New York will reply within one business day with sandbox access and a plan for your corridors.
- Sandbox keys the same day
- Pricing per rail, with no monthly minimum
- Migration help from your current provider