LedgerHow much is your payment stack actually costing you?
Adjust the sliders. The savings counter reflects real recoverable revenue — failed charges retrieved, interchange optimized, compliance automated.
Estimated Annual Savings with Ledger
Based on 78% recovery rate, optimized routing, and automated compliance
No credit card. No commitment. Three fields.
Savings Breakdown
Your retry logic is a duct-taped cron job.
A 3.2% failure rate sounds manageable until you do the math. At 50,000 transactions a month, that's 1,600 customers who didn't pay — and a cron job that retries them all at 3am Tuesday regardless of card network, issuer behavior, or account balance.
78% of failed charges are recoverable with intelligent timing, network-aware retries, and issuer-specific backoff curves.
1import { Ledger } from '@ledger/sdk'23const charge = await Ledger.charge({4 amount: 4800,5 currency: 'USD',6 retry: {7 strategy: 'intelligent',8 maxAttempts: 4,9 issuerBackoff: true10 }11});1213// charge.recoveryRate → 0.78
You're paying 3.5% FX spread on every cross-border payout.
When a payment crosses a currency boundary, your processor picks a route. Not the cheapest route, not the fastest route — the route that maximizes their margin. You're funding their treasury desk.
Ledger evaluates 14 routing paths in real time and selects based on spread, settlement speed, and counterparty risk — before the transaction is authorized.
Your compliance stack is four vendors and a Notion doc.
KYC from one vendor. AML screening from another. PSD2 SCA from a third. The Notion doc explains what happens when they disagree. It's been wrong twice. The second time cost you $240,000.
Compliance rules in 40 countries, unified under one decisioning layer. A single API call returns a pass/fail with audit trail attached.
1const result = await Ledger.compliance({2 userId: 'usr_8kX2mP',3 amount: 24000,4 jurisdiction: 'EU',5 checks: ['kyc', 'aml', 'psd2']6});78// result → {9// status: 'approved'10// auditId: 'aud_9fZ4kQ'11// latency: 180ms12// }
Finance closes the books four days late every month.
Every payout to a seller generates a settlement file. Every settlement file has a different schema. Someone on your finance team spends Tuesday through Friday parsing CSVs and emailing processor support about a $0.03 discrepancy.
Real-time ledger entries, normalized across all processors. One schema. Zero Tuesday emails.
By the numbers
Infrastructure that ships receipts, not excuses.
From the field
The people who wired it in.
"We were losing $340,000 a year to failed subscription charges. Our engineering team spent two weeks building a retry system that recovered maybe 20% of them. Ledger recovered 81% in the first billing cycle. We shut down the cron job."
Priya Nambiar
CTO · Archway Financial
Series B · $62M raised
"Cross-border payouts to our marketplace sellers used to take a dedicated ops person four days a month. We had a spreadsheet, three banking portals, and a prayer. Now it's a single API call and reconciliation closes on day one."
Marcus Oduya
Head of Finance Operations · Stackflow Commerce
Series C · 14,000 sellers
Start with 10,000 free transactions.
Three fields. No credit card. Your first 10,000 transactions are on us — real production environment, full API access, complete routing intelligence.
Custom routing for complex stacks.
Custom SLAs, dedicated infrastructure, on-site compliance review, and a named solutions architect. For payment volumes that require a conversation, not a dropdown.
Talk to InfrastructureCertified network partners
+ 23 regional banking partners across APAC, LATAM, and MENA