Every PSP eventually outgrows a simple ledger. LedgerFlow gives you the financial kernel you'd build yourself — rule-driven fee extraction, dual-currency settlement, Visa network integration, and real-time reconciliation — in one deployable platform.
PSPs Build the Same Financial Infrastructure Over and Over
Every PSP at some point builds a ledger, a reconciliation process, a fee engine, and fraud controls. Most build them badly, one crisis at a time. LedgerFlow is that infrastructure — done once, done right.
Challenges PSPs Face
Reconciliation takes days
Finance teams spending 3–5 days per month manually matching settlement files against internal records. Errors discovered weeks after the fact.
Fee logic lives in spreadsheets
Interchange splits, commission tiers, and currency margins maintained in Excel — brittle, error-prone, and impossible to audit.
Fraud detection is reactive
Threshold alerts fire after the damage is done. No behavioural baseline. No cross-merchant intelligence.
Multi-currency is a bolt-on
Cross-border settlement handled by manual FX conversions. No single-transaction dual-currency capability. Significant operational risk.
How LedgerFlow Solves Them
Reconciliation in minutes
Configurable CSV templates per payment provider. Multi-currency matching with date and amount tolerances. Exception-first reporting.
Fee logic in the database
6-type rules engine: fixed, percentage, forex, calculated, script, queue. Defined once in the DB, applied automatically to every matching transaction. Fully auditable.
Proactive fraud scoring
8-flag composite scorer with trigonometric 24-hour pattern analysis. Flags anomalies in real time before settlement. Visa network intelligence included.
Native dual-currency settlement
Single transaction settles in two currencies. Forex, margin, and split — all atomic. No post-hoc conversion risk.
Key Features for PSPs
Everything a PSP Needs in One Platform
PayFast + Visa + PayShap
Production-ready integrations with South Africa's major payment rails. PayFast for online payments, Visa network for card processing, PayShap for real-time bank-to-bank transfers.
Revenue Split Engine
Configurable multi-leg revenue allocation: processor fee, interchange, network fee, merchant commission — all posted as separate ledger entries within the same transaction.
Real-Time Settlement Tracking
Float accounts, client sub-accounts, and fee accounts updated in real time. No batch processing lag. Balance available the moment the transaction posts.
Immutable Settlement Audit
Every posting is captured by trigger-based audit with actor identity, client IP, and full JSON diff. Regulators and acquirers can verify any transaction's history without touching the application.
Maker-Checker for Large Transfers
Required dual-authorisation for bulk disbursements and high-value settlements. 5-state workflow. Maker and checker identity non-forgeable via JWT derivation.
High-Performance API
466.9 avg TPS, 11ms core latency on a commodity VM. NGINX routes transaction endpoints to a dedicated 6-connection fast pool. PostgREST generates REST endpoints automatically from the schema.
Ready to run your PSP on a proper financial kernel?
30-day free trial. Full PPRC suite. No credit card required.