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<!doctype html>
<html lang="en" data-bs-theme="light">
<head>
<meta charset="utf-8">
<meta name="viewport" content="width=device-width, initial-scale=1">
<title>Ledgerline — Free Bootstrap 6 Fintech & SaaS Website Template</title>
<meta name="description" content="Ledgerline is a free Bootstrap 6 fintech template with a pricing calculator that works out which plan is actually cheapest for your volume, and names the crossover point.">
<link rel="stylesheet" href="assets/vendor/bootstrap6/css/bootstrap.min.css">
<link rel="stylesheet" href="assets/css/base.css">
<link rel="stylesheet" href="assets/css/style.css">
</head>
<body>
<a class="visually-hidden-focusable btn-solid theme-primary m-2" href="#main">Skip to main content</a>
<header class="site-header">
<nav class="navbar lg:navbar-expand" aria-label="Main">
<div class="container">
<a class="wordmark" href="index.html"><svg class="brand-glyph" width="24" height="24" viewBox="0 0 24 24" fill="none" aria-hidden="true">
<rect x="1.25" y="1.25" width="21.5" height="21.5" rx="6.5" stroke="currentColor" stroke-width="1.5"/>
<path d="M7 16.5V7.5M7 16.5h5.5" stroke="currentColor" stroke-width="1.8" stroke-linecap="round"/>
<path d="M17 7.5v9M14 11h6" stroke="currentColor" stroke-width="1.8" stroke-linecap="round" opacity=".5"/>
</svg><span>Ledgerline</span></a>
<dialog class="drawer drawer-end" tabindex="-1" id="navDrawer" aria-labelledby="navDrawerLabel">
<div class="drawer-header">
<h5 class="drawer-title" id="navDrawerLabel">Menu</h5>
<button type="button" class="btn-close" data-bs-dismiss="drawer" aria-label="Close"></button>
</div>
<div class="drawer-body mb-2 lg:mb-0">
<ul class="nav navbar-nav ms-auto lg:gap-4">
<li class="nav-item"><a class="nav-link" href="#product">Product</a></li>
<li class="nav-item"><a class="nav-link" href="#developers">Developers</a></li>
<li class="nav-item"><a class="nav-link" href="pricing.html">Pricing</a></li>
<li class="nav-item"><a class="nav-link" href="#security">Security</a></li>
</ul>
</div>
</dialog>
<div class="d-flex align-items-center gap-2 ms-auto">
<button class="btn-icon" type="button" id="themeToggle" aria-label="Toggle color mode">
<svg class="theme-icon-light" width="18" height="18" viewBox="0 0 16 16" fill="none" stroke="currentColor" stroke-width="1.6" stroke-linecap="round" aria-hidden="true"><circle cx="8" cy="8" r="3.25"/><path d="M8 1v1.5M8 13.5V15M15 8h-1.5M2.5 8H1m11-4-1 1M5 11l-1 1m0-8 1 1m6 6 1 1"/></svg>
<svg class="theme-icon-dark" width="18" height="18" viewBox="0 0 16 16" fill="currentColor" aria-hidden="true"><path d="M6 .278a.77.77 0 0 1 .08.858 7.2 7.2 0 0 0-.878 3.46c0 4.021 3.278 7.277 7.318 7.277q.792-.001 1.533-.16a.79.79 0 0 1 .81.316.73.73 0 0 1-.031.893A8.35 8.35 0 0 1 8.344 16C3.734 16 0 12.286 0 7.71 0 4.266 2.114 1.312 5.124.06A.75.75 0 0 1 6 .278"/></svg>
</button>
<a class="btn-text theme-secondary sign-in" href="#developers">Sign in</a>
<a class="btn-solid theme-primary" href="pricing.html">Start building</a>
<button class="btn-icon navbar-toggler" type="button" data-bs-toggle="drawer" data-bs-target="#navDrawer" aria-controls="navDrawer" aria-label="Open navigation">
<span class="navbar-toggler-icon" aria-hidden="true"></span>
</button>
</div>
</div>
</nav>
</header>
<section class="hero">
<div class="container">
<div class="row g-6 align-items-center">
<div class="lg:col-6">
<p class="pill mb-4"><span class="pill-dot" aria-hidden="true"></span> Ledger API v3 is out of beta</p>
<h1 class="hero-title fs-5xl mb-4">Payments infrastructure that shows its working.</h1>
<p class="hero-lede fs-lg fg-2 mb-5">
Card payments, payouts and a proper double-entry ledger behind one API.
Our pricing page does the arithmetic for you and will happily tell you
the free plan is the right one.
</p>
<div class="d-flex flex-wrap gap-3 mb-5">
<a class="btn-solid theme-primary btn-lg" href="pricing.html">Work out your cost</a>
<a class="btn-outline theme-secondary btn-lg" href="#developers">Read the docs</a>
</div>
<p class="fs-sm fg-3 mb-0">No card to start. Live keys the same day you pass checks.</p>
</div>
<div class="lg:col-6">
<!-- Product shot, built rather than photographed, so it stays sharp and
weighs nothing. -->
<div class="feed" aria-hidden="true">
<div class="feed-head">
<span class="feed-dot"></span>
<p class="mb-0">Live payments</p>
<span class="feed-tag">GBP</span>
</div>
<div class="feed-row"><span class="feed-id">pay_8Kd2…19f</span><span class="feed-amt">£128.00</span><span class="feed-state ok">settled</span></div>
<div class="feed-row"><span class="feed-id">pay_7Xc1…c02</span><span class="feed-amt">£24.99</span><span class="feed-state ok">settled</span></div>
<div class="feed-row"><span class="feed-id">pay_7Wb9…4ae</span><span class="feed-amt">£1,940.00</span><span class="feed-state pend">authorised</span></div>
<div class="feed-row"><span class="feed-id">pay_7Va4…d71</span><span class="feed-amt">£62.50</span><span class="feed-state ok">settled</span></div>
<div class="feed-row"><span class="feed-id">pay_7Ub0…8c3</span><span class="feed-amt">£8.00</span><span class="feed-state fail">declined</span></div>
<div class="feed-foot">
<div><p class="feed-k mb-0">Today</p><p class="feed-v mb-0">£41,208</p></div>
<div><p class="feed-k mb-0">Fees</p><p class="feed-v mb-0">£498.31</p></div>
<div><p class="feed-k mb-0">Net</p><p class="feed-v mb-0">£40,709.69</p></div>
</div>
</div>
</div>
</div>
</div>
</section>
<div class="logo-band">
<div class="container">
<p class="fs-xs eyebrow fg-3 mb-4">Handling money for</p>
<div class="logo-row">
<span>NORTHWIND</span><span>Palisade</span><span>KETTLE&CO</span><span>Brightsea</span><span>Ordinal</span><span>MERIDIAN LABS</span>
</div>
</div>
</div>
<main id="main">
<!-- Product -->
<section class="section" id="product">
<div class="container">
<div class="row g-5 mb-6 align-items-end">
<div class="lg:col-7">
<p class="eyebrow-rule mb-3">Product</p>
<h2 class="section-title fs-4xl mb-0">Three primitives, one balance you can reconcile</h2>
</div>
<div class="lg:col-5">
<p class="fg-2 mb-0">
Most stacks make you keep your own shadow ledger to answer "where is
the money right now". This one answers it.
</p>
</div>
</div>
<div class="row g-4">
<div class="md:col-6 lg:col-4">
<article class="surface surface-pad lift h-100">
<div class="icon-tile mb-4"><svg width="20" height="20" viewBox="0 0 20 20" fill="none" stroke="currentColor" stroke-width="1.7" aria-hidden="true"><rect x="1.75" y="4.25" width="16.5" height="11.5" rx="2.5"/><path d="M1.75 8.25h16.5M5 12.5h3"/></svg></div>
<h3 class="fs-xl mb-2">Payments</h3>
<p class="fg-2 fs-sm mb-3">Cards, Apple Pay, Google Pay, direct debit and open banking through one intent object. 3-D Secure only when the risk engine asks for it.</p>
<p class="fg-3 fs-xs mb-0">Auth rate 94.1% across all merchants, last 30 days.</p>
</article>
</div>
<div class="md:col-6 lg:col-4">
<article class="surface surface-pad lift h-100">
<div class="icon-tile mb-4"><svg width="20" height="20" viewBox="0 0 20 20" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" aria-hidden="true"><path d="M3 7h14M13 3.5 16.5 7 13 10.5M17 13H3M7 9.5 3.5 13 7 16.5"/></svg></div>
<h3 class="fs-xl mb-2">Payouts</h3>
<p class="fg-2 fs-sm mb-3">Pay out to sellers, contractors or your own accounts on a schedule you set. Failed payouts come back with the bank's actual reason, not a generic code.</p>
<p class="fg-3 fs-xs mb-0">Faster Payments in seconds, SEPA and SWIFT where it has to be.</p>
</article>
</div>
<div class="md:col-6 lg:col-4">
<article class="surface surface-pad lift h-100">
<div class="icon-tile mb-4"><svg width="20" height="20" viewBox="0 0 20 20" fill="none" stroke="currentColor" stroke-width="1.7" stroke-linecap="round" aria-hidden="true"><path d="M10 2.5v15M4.5 6 2 11.5h5L4.5 6ZM15.5 6 13 11.5h5L15.5 6ZM5.5 4.5h9"/></svg></div>
<h3 class="fs-xl mb-2">Ledger API</h3>
<p class="fg-2 fs-sm mb-3">Real double-entry accounts with immutable postings. Every movement has two sides and the whole thing balances or the write is rejected.</p>
<p class="fg-3 fs-xs mb-0">Idempotency keys on every endpoint, held for 24 hours.</p>
</article>
</div>
</div>
</div>
</section>
<!-- Developers -->
<section class="section bg-2" id="developers">
<div class="container">
<div class="row g-6 align-items-center">
<div class="lg:col-5">
<p class="eyebrow-rule mb-3">Developers</p>
<h2 class="section-title fs-4xl mb-4">One request to take a payment</h2>
<p class="fg-2 mb-4">
No SDK required and no six-step handshake. Post an intent, get a
client secret, confirm it. The ledger postings are created for you
and appear in the same response.
</p>
<ul class="tick-list mb-5">
<li>Idempotent by default — retries cannot double-charge</li>
<li>Webhooks signed with a rotating secret, replayable for 30 days</li>
<li>Test and live keys differ by one character, so mistakes are loud</li>
</ul>
<a class="btn-outline theme-secondary" href="#start">Full API reference</a>
</div>
<div class="lg:col-7">
<div class="code">
<div class="code-head">
<span class="code-file">create-payment.sh</span>
<span class="code-badge">POST /v3/payments</span>
</div>
<pre class="code-body"><code><span class="c-fn">curl</span> https://api.ledgerline.dev/v3/payments \
-H <span class="c-str">"Authorization: Bearer sk_live_…"</span> \
-H <span class="c-str">"Idempotency-Key: ord_10482"</span> \
-d amount=<span class="c-num">12800</span> \
-d currency=<span class="c-str">gbp</span> \
-d ledger_account=<span class="c-str">acct_seller_4471</span>
<span class="c-com">{</span>
<span class="c-com"> "id": "pay_8Kd2h19f",</span>
<span class="c-com"> "status": "requires_confirmation",</span>
<span class="c-com"> "fee": 156,</span>
<span class="c-com"> "postings": [</span>
<span class="c-com"> { "account": "acct_seller_4471", "credit": 12644 },</span>
<span class="c-com"> { "account": "acct_fees", "credit": 156 }</span>
<span class="c-com"> ]</span>
<span class="c-com">}</span></code></pre>
</div>
</div>
</div>
</div>
</section>
<!-- Pricing teaser -->
<section class="section" id="cost">
<div class="container">
<div class="row g-5 mb-6 align-items-end">
<div class="lg:col-7">
<p class="eyebrow-rule mb-3">Pricing</p>
<h2 class="section-title fs-4xl mb-0">Move the sliders. We'll tell you if the free plan wins.</h2>
</div>
<div class="lg:col-5">
<p class="fg-2 mb-0">
Three plans, each a monthly base plus a per-payment fee. Which one is
cheapest depends entirely on your volume and basket size, so rather
than nudge you upward the page just works it out.
</p>
</div>
</div>
<div class="calc" data-calc data-plans='[{"key":"starter","name":"Starter","base":0,"pct":0.014,"fixed":0.2},{"key":"growth","name":"Growth","base":39,"pct":0.011,"fixed":0.15},{"key":"scale","name":"Scale","base":299,"pct":0.0075,"fixed":0.1}]'>
<div class="calc-controls">
<div class="calc-field">
<label class="form-label" for="calcCount">Payments a month</label>
<output class="calc-out" id="calcCountOut" for="calcCount">1,000</output>
<div class="form-range">
<input type="range" class="form-range-input" id="calcCount" min="50" max="20000" step="50" value="1000">
</div>
</div>
<div class="calc-field">
<label class="form-label" for="calcAvg">Average payment</label>
<output class="calc-out" id="calcAvgOut" for="calcAvg">£40</output>
<div class="form-range">
<input type="range" class="form-range-input" id="calcAvg" min="3" max="500" step="1" value="40">
</div>
</div>
<p class="calc-volume mb-0">Processing <strong data-volume>£40,000</strong> a month</p>
</div>
<div class="plan-grid">
<article class="plan" data-plan="starter">
<div class="plan-flag" data-best hidden>Cheapest for you</div>
<h3 class="plan-name">Starter</h3>
<p class="plan-rate mb-3">£0/mo · 1.4% + 20p</p>
<p class="plan-total mb-1"><span data-total>—</span><small>/month</small></p>
<p class="plan-eff fg-3 fs-sm mb-4">Effective rate <span data-eff>—</span></p>
<p class="fg-2 fs-sm mb-4">Everything working, nothing to sign. Card payments, payouts and the ledger API from your first request.</p>
<a class="btn-outline theme-secondary plan-cta" href="#start">Choose Starter</a>
</article>
<article class="plan" data-plan="growth">
<div class="plan-flag" data-best hidden>Cheapest for you</div>
<h3 class="plan-name">Growth</h3>
<p class="plan-rate mb-3">£39/mo · 1.1% + 15p</p>
<p class="plan-total mb-1"><span data-total>—</span><small>/month</small></p>
<p class="plan-eff fg-3 fs-sm mb-4">Effective rate <span data-eff>—</span></p>
<p class="fg-2 fs-sm mb-4">For businesses past the experiment stage: multi-currency, saved cards, and a real settlement schedule.</p>
<a class="btn-outline theme-secondary plan-cta" href="#start">Choose Growth</a>
</article>
<article class="plan" data-plan="scale">
<div class="plan-flag" data-best hidden>Cheapest for you</div>
<h3 class="plan-name">Scale</h3>
<p class="plan-rate mb-3">£299/mo · 0.75% + 10p</p>
<p class="plan-total mb-1"><span data-total>—</span><small>/month</small></p>
<p class="plan-eff fg-3 fs-sm mb-4">Effective rate <span data-eff>—</span></p>
<p class="fg-2 fs-sm mb-4">Interchange-adjusted rates, dedicated infrastructure, and a named engineer who answers in your Slack.</p>
<a class="btn-outline theme-secondary plan-cta" href="#start">Choose Scale</a>
</article>
</div>
<p class="calc-note mb-0" data-crossover></p>
</div>
<p class="text-center mt-5 mb-0"><a class="btn-outline theme-secondary" href="pricing.html">Full plan comparison</a></p>
</div>
</section>
<!-- Numbers -->
<section class="section bg-2">
<div class="container">
<div class="stat-band">
<div><p class="stat-v mb-1">99.99%</p><p class="stat-k mb-0">API uptime, trailing 12 months</p></div>
<div><p class="stat-v mb-1">118 ms</p><p class="stat-k mb-0">Median authorisation latency</p></div>
<div><p class="stat-v mb-1">£4.1bn</p><p class="stat-k mb-0">Processed in 2026</p></div>
<div><p class="stat-v mb-1">38</p><p class="stat-k mb-0">Settlement currencies</p></div>
</div>
</div>
</section>
<!-- Security -->
<section class="section" id="security">
<div class="container">
<div class="row g-6 align-items-center">
<div class="lg:col-6">
<div class="ph ph-4x3 framed"><img src="img/security.jpg" alt="Engineers reviewing infrastructure" width="900" height="675" loading="lazy"></div>
</div>
<div class="lg:col-6">
<p class="eyebrow-rule mb-3">Security</p>
<h2 class="section-title fs-4xl mb-4">Boring, on purpose</h2>
<p class="fg-2 mb-4">
Card data never reaches your servers — the client collects it against
a single-use token and we hold the scope. Everything else is the
unglamorous work: least privilege, signed webhooks, and an audit log
you can actually read.
</p>
<dl class="facts">
<div><dt>PCI DSS</dt><dd>Level 1 service provider</dd></div>
<div><dt>Encryption</dt><dd>TLS 1.3 in transit, AES-256 at rest</dd></div>
<div><dt>Audit log</dt><dd>Every key use, 7-year retention</dd></div>
<div><dt>Penetration test</dt><dd>Twice yearly, summary on request</dd></div>
</dl>
</div>
</div>
</div>
</section>
<!-- Testimonials -->
<section class="section bg-2">
<div class="container">
<div class="row g-4">
<div class="lg:col-4">
<figure class="quote surface surface-pad h-100">
<blockquote class="mb-4"><p class="mb-0">We moved because the reconciliation job we ran every night stopped being necessary. That job had been someone's whole Tuesday.</p></blockquote>
<figcaption class="quote-by">
<div class="ph ph-1x1 quote-face"><img src="img/face-1.jpg" alt="" width="400" height="400" loading="lazy"></div>
<div><p class="mb-0 fw-semibold">Dilan Aksoy</p><p class="fg-3 fs-sm mb-0">CTO, Palisade</p></div>
</figcaption>
</figure>
</div>
<div class="lg:col-4">
<figure class="quote surface surface-pad h-100">
<blockquote class="mb-4"><p class="mb-0">Their pricing page told us to stay on the free plan for another eight months. I have never had a vendor do that.</p></blockquote>
<figcaption class="quote-by">
<div class="ph ph-1x1 quote-face"><img src="img/face-2.jpg" alt="" width="400" height="400" loading="lazy"></div>
<div><p class="mb-0 fw-semibold">Rae Whitcombe</p><p class="fg-3 fs-sm mb-0">Founder, Kettle & Co</p></div>
</figcaption>
</figure>
</div>
<div class="lg:col-4">
<figure class="quote surface surface-pad h-100">
<blockquote class="mb-4"><p class="mb-0">Failed payouts come back with the bank's real reason. That sounds small until you have spent a year guessing at error code 91.</p></blockquote>
<figcaption class="quote-by">
<div class="ph ph-1x1 quote-face"><img src="img/face-3.jpg" alt="" width="400" height="400" loading="lazy"></div>
<div><p class="mb-0 fw-semibold">Josephine Marr</p><p class="fg-3 fs-sm mb-0">Head of Ops, Northwind</p></div>
</figcaption>
</figure>
</div>
</div>
</div>
</section>
<!-- CTA -->
<section class="section" id="start">
<div class="container">
<div class="cta">
<h2 class="section-title fs-4xl mb-3">Take your first payment this afternoon</h2>
<p class="fg-2 fs-lg mb-5 mx-auto" style="max-width:34rem">
Test keys are instant. Live keys follow once checks clear, usually the
same day.
</p>
<div class="d-flex flex-wrap gap-3 justify-content-center">
<a class="btn-solid theme-primary btn-lg" href="pricing.html">Work out your cost</a>
<a class="btn-outline theme-secondary btn-lg" href="#developers">Talk to an engineer</a>
</div>
</div>
</div>
</section>
</main>
<footer class="site-footer section pb-5">
<div class="container">
<div class="row g-5">
<div class="lg:col-4">
<p class="wordmark mb-3"><svg class="brand-glyph" width="24" height="24" viewBox="0 0 24 24" fill="none" aria-hidden="true">
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</svg><span>Ledgerline</span></p>
<p class="fg-2 fs-sm mb-0" style="max-width:22rem">
Payments, payouts and a double-entry ledger behind one API. Priced so
you can work out the bill yourself.
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<p class="eyebrow fs-xs fg-3 mb-3">Product</p>
<ul class="link-list"><li><a href="index.html#product">Payments</a></li><li><a href="index.html#product">Payouts</a></li><li><a href="index.html#product">Ledger API</a></li><li><a href="pricing.html">Pricing</a></li></ul>
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<p class="eyebrow fs-xs fg-3 mb-3">Developers</p>
<ul class="link-list"><li><a href="index.html#developers">Quickstart</a></li><li><a href="index.html#developers">API reference</a></li><li><a href="index.html#developers">Status</a></li><li><a href="index.html#security">Security</a></li></ul>
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<p class="eyebrow fs-xs fg-3 mb-3">Regulatory</p>
<p class="fg-2 fs-sm mb-0">
Ledgerline is a fictional company in a free website template. Nothing
here is a real financial product, a real rate, or regulated by anyone.
</p>
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<p class="fs-xs fg-3 mb-0">© <span data-year>2026</span> Ledgerline — a free Bootstrap 6 template.</p>
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