Ledger
Money movement · API-first
Payments infrastructure for software that moves money.
One API for cards, transfers, and ledgers. Ship compliant money movement in days, not quarters.
NORTHWINDLUMENCASCADEOBERONFLEETLYHARBOR
40+
Currencies
99.99%
Uptime
3 lines
To first charge
Why Meridian
A real ledger under every primitive
Most stacks bolt accounting on at the end. Meridian starts with a correct, double-entry ledger and exposes cards, transfers, and payouts on top of it.
That means your balances reconcile in real time, and an audit is a query, not a project.
- Double-entry by default
- Programmable payouts
- SOC 2 and PCI ready
One API
Cards, transfers, and payouts behind a single key.
Compliant
SOC 2 and PCI handled so you do not have to.
Instant payouts
Move money in forty currencies in seconds.
Real ledger
Double-entry underneath every primitive.
Built for the whole lifecycle
From the first authorization to reconciliation.
Routing
Adaptive Routing
Risk
Fraud Signals
The platform
What you are building on
Figures from the last four quarters, republished on the status page every month.
Uptime
99.995 percent across twelve months, measured from outside our own network.
Latency
p50 of 41ms and p99 of 210ms, authorisation to response, in every region.
Regions
Nine, active-active. A region can go dark without your traffic noticing.
Settlement
Next business day as standard, same day on request above a threshold.
Compliance
PCI DSS Level 1 and SOC 2 Type II, audited annually by someone we do not pick.
Support
Engineers on the other end, not a script. Median first reply is eleven minutes.
The ledger
Correct by construction
We start with a double-entry ledger and expose payments on top, so your balances reconcile in real time and an audit is a query.
The routing
Every cent takes the best path
Adaptive routing sends each transaction down the rail most likely to succeed, and retries the smart way when it does not.
“We replaced three vendors and a spreadsheet with one API.”
Pricing
One rate, on the page
No enterprise tier hidden behind a sales call. This is the price.
Standard
2.4% plus 20p
Everything switched on from the first transaction.
- All payment methods
- Full API and dashboard
- Next day settlement
Scale
1.9% plus 15p
From one million a month, applied automatically, no renegotiation.
- Everything in Standard
- Same day settlement
- A named engineer
Platform
Custom interchange plus
For marketplaces moving money on behalf of other people.
- Split payments and payouts
- Onboarding APIs
- Dedicated infrastructure
Before you ask
Questions
How long to integrate?
Sandbox in a minute, production after one review call.
What does it cost?
Usage-based, with volume pricing and no minimums.
Is there a real ledger?
Yes, double-entry, queryable, and correct in real time.
Which regions?
Forty-plus currencies across North America, EU, and APAC.