Modern
Payment System
for Platforms

Build bespoke financial features on the partners of your choice with Formance agnostic infrastructure.

Home Hero Demo

Join the companies using Formance
to scale their payment system

Shares
Winamp
Newton
Mono
Fundimmo
GetMomo
Wahed
Carbon6

The Great Decoupling

Bring your best financial partners — we'll bring the best infrastructure.

image
  • Tired of being limited by your current payment stack?

    Are you facing rigidity in your current stack and providers that prevent building custom payment flow and features? what if you were provided a toolkit that empowers you to develop limitless use cases and features tailored to your specific business context?

    Product & Payments team
  • Done with operating siloed & legacy payment system?

    In-house development, performance hurdles, and custom integrations of new processors can consume resources, taking months or years. Picture a seamless world featuring a unified data layer and an agnostic payment infrastructure, enabling you to effortlessly scale your payment system.

    Engineering team
  • Are you leveraging all your financial opportunities?

    Are you leaving money on the table due to underused financial products and an inefficient payment stack? Envision unlocking additional revenue streams and improving unit economics through new financial features, supported by the most effective partners.

    Executive team
Modules

Modular & agnostic primitives

The Formance stack is a suite of payment primitives built on a unified data layer, encapsulating the intelligence and business logic of payments in one place.

Record your money flows in database

Record real-time money movements on a programmable financial ledger built for scalable asset tracking.

Unlimited sub-ledgers

Scale horizontally with unlimited sub-ledgers. Choose your sharding strategy from one unique ledger to a ledger per user.

Ledger as a Foundation

The ledger is a low-level accounting tool, on which a lot of other services can be built. Wallets services, Reconciliation services and counting.

Stitch your payments services providers

A single API to weave in your processing rails.
Integrate your PSPs, from pay-in to pay-out.

Effortless Account Management

Easily manage user accounts on Payments, offering a bridge to payment providers for viewing transactions and simplifying payments.

Real-time Data Sync

Track and manage payments efficiently with Payments, featuring real-time status updates and detailed transaction history.

Fully managed
closed-loop payments infrastructure

Tap into new revenue streams by embedding an internal
payment channel in your product.

Built on Ledger

Wallets is an additional layer and feature set build on top of the battle-tested Ledger product.

Eject-friendly

Should your needs grow beyond Wallets, you can eject to the Ledger service, enabling direct customization.

Monitor your Ledger funds with PSP

Automate reconciliation, swiftly address discrepancies, and gain confidence in your payment data.

Fund Flow Transparency

With Reconciliation, gain critical insights by acknowledging discrepancies in fund flows, enabling proactive resolution and financial integrity.

Financial Process Optimization

Ensure operational excellence by reconciling ledger balances with PSP account balances, enhancing the accuracy and efficiency of your financial operations.

Building money-flow made easy

Create financial workflows that can natively and seamlessly move value across ledgers, wallets and payments objects with a unified send statement.

Orchestrated, End-to-End

Start with an inbound payment. Wait a few days. Trigger a pay-out. Journalise the entry. All within the same workflow, reliably concretised by the Flows execution engine.

Automated Errors Management

Focus on expressing your flow of funds; Flows will be here to figure out a safe and efficient retry or rollback strategy in case of execution errors.

Customers

Built for custom use-cases

Discover how payments and engineering teams use Formance to scale their platform and payment operations

Security

Enterprise-Grade Security

Your payment infrastructure requires security.
We make sure to keep your infrastructure safe & reliable.

  • SOC 2 Type II Certified

    We obtained SOC 2 Type II certification and we are constantly working on our compliance.

  • ISO 27001 Certified

    We are certified by Johanson group, affirming our commitment to the highest standards of security.

  • Cloud or Self-Hosted

    Use our Cloud or host your payment system
    using the hosting provider of your choice.

  • Open Source

    Source code with lifetime access, offering transparency along with a community support.

  • Standard Authentication Protocols

    Enhanced security and integration with seemless authentication with OAuth, JWT, OIDC.

  • Penetration Testing

    Third-party security firms undertake regular penetration tests on every product we build.

[...] the next standard financial ledger for money movements, starting with an open source base and taking aim at developers — the power behind the power

Techcrunch

Championing a so-called ledger-as-a-service, the software enables startups to consolidate all transactions into one place

Sifted
Testimonials

They love working with us

Formance saves us months of work and provides the flexibility getmomo needs to build impactful products. The open source Formance ledger is a game changer for the industry.

SP

Sonny Piers

CTO at getmomo

GetMomo

Anyone can offer performance and reliability, but no one else can offer the level of transparency, trust, and partnership that Formance does.

SM

Shaun Martin

Director of Engineering at Newton

Newton

When you deal with money, Formance is an absolute no-brainer.

FR

François Ruty

CTO at Shares

Shares

Join Formance Community Slack

Looking for best practices on how to use Formance? Connect with finance innovators from all over the world. The future of financial infrastructure is one-click away.

We are dedicated to Open Source

Keep ownership over your financial back-end with our Open Source products. Experience transparency, enhanced security, and community-driven innovation.

Looking for a
Payment Infrastructure?

We would be happy to hear what you are building.

800+ finance innovators building on Formance and sharing best practises.