You keep the merchants, the licence and the rails. LedgerFlow is the control layer underneath — the ledger, the fee logic, the reconciliation and the audit trail you would otherwise build yourself, one crisis at a time. It's the same universal ledger engine that runs transit fare systems and mining supply chains, configured for payments.
PSPs Build the Same Financial Infrastructure Over and Over
Every payment provider eventually builds a ledger, a reconciliation process, a fee engine and fraud controls. Almost nobody sets out to — each piece gets added under pressure, after something went wrong. The result is infrastructure nobody designed and nobody wants to own.
Challenges PSPs Face
Reconciliation takes days
Three to five days a month spent matching settlement files by hand — and errors that surface weeks after the money moved, when fixing them is someone else's problem too.
Fee logic lives in spreadsheets
Interchange splits, commission tiers and currency margins living in a spreadsheet that one person understands, cannot be audited, and breaks quietly when they are on leave.
Fraud detection is reactive
Threshold alerts fire after the damage is done, with no sense of what normal looks like for that account and no visibility of what is happening elsewhere in the network.
Multi-currency is a bolt-on
Cross-border settlement handled by manual conversions, with a window in between where the two sides of the same payment do not agree. Every one of those windows is operational risk.
How LedgerFlow Solves Them
Reconciliation in minutes
Each partner's statement format is configured once, then matched automatically with sensible tolerances. Your team reviews the breaks, not the matches.
Fee logic in the database
Fees, splits and margins are configured once and applied consistently from then on — versioned, audited, and visible to finance without anyone opening a spreadsheet.
Proactive fraud scoring
Each account is scored against its own behavioural history rather than a fixed threshold, so unusual activity is flagged before settlement — with fraud intelligence from the wider Visa network included.
Native dual-currency settlement
A cross-border payment settles in both currencies as a single movement. Conversion, margin and split land together, so there is no window where the two sides disagree.
Key Features for PSPs
Everything a PSP Needs in One Platform
Connects to Your Existing Rails
LedgerFlow is not a payment provider and has no interest in becoming one. It connects to the card networks, online providers and instant-payment rails you already use, and keeps the authoritative record of everything crossing them.
Revenue Split Engine
Processor fee, interchange, network fee and merchant commission are each posted as their own entry within the same movement — so a revenue question has an answer in the ledger rather than in someone's model.
Real-Time Settlement Tracking
Float, client and fee accounts update as movements post. Your settlement position is a number you can read, not one you wait for overnight.
Immutable Settlement Audit
Every posting is captured with the actor's identity, where it came from, and the full before-and-after state. Regulators and acquirers can trace any movement's history without needing access to your application.
Maker-Checker for Large Transfers
Required dual-authorisation for bulk disbursements and high-value settlements. Request and approval are separate acts by separate people, with both identities taken from the authenticated session rather than the submitted request — so they cannot be forged or set to the same person.
High-Performance API
466.9 transactions per second at 11ms core latency on ordinary hardware. Transaction traffic is served separately from reporting, so month-end analysis never slows down live payments.
Ready to run your PSP on a proper financial kernel?
All four pillars, running underneath the payment operation you already have.