v3.2 — Transaction Graph API is live

The science of moving money, distilled into one API.

Transactology is the modern transaction platform for fintech teams. Authorize, route, settle and reconcile across rails — with a single, glass-clear interface.

  • 0billion processed
  • 0countries
  • 0% uptime
POST /v3/transactions
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" }
  }'
200 OK · settled in 412ms trace · txn_01HZP4QKMR7
Authorization 412 ms · approved
Settlement T+0 · USD 42.99
Trusted by transaction teams at
Lattice Pay Northwind Bank Quanta Capital Folio Finance Atlas Treasury Helio
Platform

Every primitive of a modern transaction, wired together.

From the first auth-hold to the final ledger entry, Transactology gives you a single, observable substrate for money movement.

Unified Ledger

Double-entry, multi-currency, append-only. Reconcile in real time across cards, ACH, wire and stablecoin rails.

Postgres + event log

Smart Routing

Cost-aware routing across 40+ acquirers and rails. Automatic failover, retries with idempotency, and route scoring.

+11.4% approval lift

Risk & Compliance

Inline KYC/KYB, sanctions screening, and adaptive 3DS. Adjustable risk policies expressed as code.

SOC 2 · PCI DSS L1

Live Observability

Stream every authorization, capture and refund. Slice by issuer, BIN, country and merchant — under 200ms.

Webhooks & SQL

Global Settlement

Single integration, 190 countries, 135 currencies. Local acquiring where it matters, FX where it doesn't.

T+0 in 38 markets

Issuing & Wallets

Spin up virtual cards, named accounts, and programmable wallets in minutes. Fund, freeze, and split with one call.

Mastercard · Visa
The Lifecycle

A transaction, mapped end-to-end.

Watch a single payment travel from intent to ledger. Every node is observable, replayable and reversible.

1 — Intent

A customer initiates a payment from any surface — checkout, invoice link, in-app. Transactology issues a signed PaymentIntent that captures every contextual detail.

Developers

An API designed by people who hate calling APIs.

Predictable resources. Idempotent writes. Typed SDKs. A console that explains every error in plain English.

  • One /transactions resource — auth, capture, refund, dispute.
  • Idempotency keys, cursors, and structured error codes.
  • Typed SDKs for TypeScript, Python, Go, Ruby, Java, Kotlin.
  • Sandbox replays of any production transaction.
// 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 });
200 · 412 ms SDK v3.2 · types bundled
0 ms p50 auth Median end-to-end authorization, globally.
0 % approval lift Average uplift after enabling smart routing.
0 currencies Local acquiring in 58, FX everywhere else.
0 incidents this quarter SLO honored across the Transactology cloud.
Customers

Teams shipping money movement, faster.

"We replaced four vendors and a homegrown ledger with Transactology in a quarter. Disputes dropped 38%, and our finance team finally trusts the numbers."

JR Jordan Reyes VP Payments, Lattice Pay

"The transaction graph is the API I've wanted my whole career. Authorize, route, capture — one resource, fully typed, zero surprises."

AM Amelia Mensah Staff Engineer, Folio Finance

"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."

KS Kenji Sato Head of Risk, Quanta Capital
Pricing

Volume-aware, not vendor-aware.

Transparent unit economics. No hidden margin on FX, settlement, or risk.

Starter

$0/mo

Up to 10k transactions · sandbox + live

  • Unified ledger
  • Smart routing (1 acquirer)
  • Webhooks & SQL exports
  • Email support
Start free

Enterprise

Custom

Volume tiers · private rails · on-prem ledger

  • Everything in Scale
  • Private acquirer onboarding
  • Dedicated VPC & on-prem ledger
  • 99.999% SLA & named on-call
Contact us

Ship your next transaction in an afternoon.

Spin up sandbox keys, run a real authorization, and watch it land in the unified ledger — under 5 minutes.