The financial control layer your card programme runs on.
Your balances, interest logic, repayment rules and audit trail all live in one integrated engine, running across prepaid, debit and credit with segments that operate independently. Most product changes are configuration-led, so your team moves fast and stays in control. Deeper logic moves through a controlled change process. One source of truth for finance, ops and audit.
Financial precision, configured entirely around your programme.
All financial logic, one place.
Manage balances across prepaid, charge and revolving credit from a single ledger. Multi-balance structures, real-time tracking and double-entry records give you precise control over where and how money moves.
Credit and billing, your way.
Set interest, fees, billing cycles and repayment logic to match your product strategy. From instalments to revolving credit, the ledger adapts to your offering as it evolves
Accurate, traceable, audit-ready data.
Every financial movement is recorded consistently and traceably, supporting reconciliation, reporting and regulatory compliance. Your team, your auditors and regulators always have exactly what they need.
The credit ledger, explained in one minute.
Michael Fabricius,
Head of Customer Onboarding
Revolving credit, charge cards, or BNPL instalments: our credit ledger handles the interest rates, reminders and invoicing behind each one, so you never need to source a separate ledger provider.
The features that give your programme complete financial control.
Core ledger.
Multi-balance ledger engine with real-time balance tracking, full transaction history and double-entry accounting. A reliable, auditable foundation your entire programme runs on.
Billing, invoicing and collections.
Manage billing cycles, statements, invoicing and collections in one place. Configurable notifications, reminders and dunning workflows keep your financial operations running automatically.
Distinct segments, configurable rules.
Group accounts into distinct segments, each with its own interest rates, billing cycles, payment rules, and fees. Adjust segments instantly as risk appetite, behaviour, or strategy changes.
Financial reporting and reconciliation.
Real-time balance and reconciliation reports, along with general ledger outputs, give you a clear and accurate picture of your financial position whenever you need it.
Money movement and integrations.
Handle payments, post transactions and connect to external systems through API-based integrations, so money moves accurately and reliably across your entire card programme.
Let’s talk about your financial engine.
Whether you’re building a new credit programme or replacing an existing ledger, we’d love to hear about the ambition behind it.
