Unified Ledger
Double-entry, multi-currency, append-only. Reconcile in real time across cards, ACH, wire and stablecoin rails.
Transactology is the modern transaction platform for fintech teams. Authorize, route, settle and reconcile across rails — with a single, glass-clear interface.
curl https://api.transactology.com/v3/transactions \
-H "Authorization: Bearer sk_live_…" \
-d '{
"amount": 4299,
"currency": "USD",
"source": "src_8a2…",
"destination": "acct_92b…",
"metadata": { "order": "T-1042" }
}'
From the first auth-hold to the final ledger entry, Transactology gives you a single, observable substrate for money movement.
Double-entry, multi-currency, append-only. Reconcile in real time across cards, ACH, wire and stablecoin rails.
Cost-aware routing across 40+ acquirers and rails. Automatic failover, retries with idempotency, and route scoring.
Inline KYC/KYB, sanctions screening, and adaptive 3DS. Adjustable risk policies expressed as code.
Stream every authorization, capture and refund. Slice by issuer, BIN, country and merchant — under 200ms.
Single integration, 190 countries, 135 currencies. Local acquiring where it matters, FX where it doesn't.
Spin up virtual cards, named accounts, and programmable wallets in minutes. Fund, freeze, and split with one call.
Watch a single payment travel from intent to ledger. Every node is observable, replayable and reversible.
A customer initiates a payment from any surface — checkout, invoice link, in-app. Transactology issues a signed PaymentIntent that captures every contextual detail.
Run risk policy as code, step-up to 3DS where required, and request authorization from the issuer. Idempotent retries are first-class.
The router chooses the optimal acquirer using live cost, latency and approval probability. Failover is automatic and traceable.
Funds are captured against the held authorization, partial captures supported. Every state change emits an event you can subscribe to.
Settlement files reconcile against the unified ledger. T+0 in 38 markets, with a verifiable hash chain over every entry.
Predictable resources. Idempotent writes. Typed SDKs. A console that explains every error in plain English.
/transactions resource — auth, capture, refund, dispute.// Authorize, route and settle in one call
import { Transactology } from "transactology";
const tx = new Transactology(process.env.TX_KEY);
const result = await tx.transactions.create({
amount: 4299,
currency: "USD",
source: "src_8a2…",
destination: "acct_92b…",
capture: true,
}, { idempotencyKey: order.id });
# Authorize, route and settle in one call
from transactology import Transactology
tx = Transactology(api_key=os.environ["TX_KEY"])
result = tx.transactions.create(
amount=4299,
currency="USD",
source="src_8a2…",
destination="acct_92b…",
capture=True,
idempotency_key=order.id,
)
// Authorize, route and settle in one call
client := transactology.New(os.Getenv("TX_KEY"))
result, err := client.Transactions.Create(ctx, &transactology.TxParams{
Amount: 4299,
Currency: "USD",
Source: "src_8a2…",
Destination: "acct_92b…",
Capture: true,
IdempotencyKey: order.ID,
})
curl https://api.transactology.com/v3/transactions \
-H "Authorization: Bearer $TX_KEY" \
-H "Idempotency-Key: $ORDER_ID" \
-d '{"amount":4299,"currency":"USD",
"source":"src_8a2…",
"destination":"acct_92b…",
"capture":true}'
"We replaced four vendors and a homegrown ledger with Transactology in a quarter. Disputes dropped 38%, and our finance team finally trusts the numbers."
"The transaction graph is the API I've wanted my whole career. Authorize, route, capture — one resource, fully typed, zero surprises."
"Smart routing alone paid for the migration. We're seeing an 11.6% lift on cross-border, and the observability is genuinely best-in-class."
Transparent unit economics. No hidden margin on FX, settlement, or risk.
$0/mo
$0.18/txn
Custom
Spin up sandbox keys, run a real authorization, and watch it land in the unified ledger — under 5 minutes.