Open Source Ledger for money-moving platforms

Build and track custom fit money flows on a scalable financial infrastructure.


Build flows that mirror your business
without reinventing the wheel.


Our channels range from #formance-for-beginners to #ledger-architecture.
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[...] the next standard financial ledger for money movements, starting with an open source base and taking aim at developers — the power behind the power


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

  • Build custom and sophisticated flows

    No need to be a payment expert. Write complex financial transactions in just a few lines. No more weeks of coding, testing and maintaining your codebase.
    Formance does the heavy-lifting for you.

  • Reliable and open-source foundations

    Your ledger is the cornerstone of your payment infrastructure. We provide an off-the-shelve, double-entry ledger to ensure you move money on solid foundations without bugs, errors or inconsistencies.

  • Empower your team quickly

    No more overly complicated, unreadable legacy codebase. Formance is designed to ensure you can hand over what has been done to newcomers and operators in a frictionless and understandable way.

  • Real-time visibility and control

    Get consolidated views on all your payment flows and operations across payment services providers. With Formance monitoring and alerting capabilities - through integrations, take the appropriate actions at the right time.

  • Easy to deploy and fit in your stack

    Whether self-hosted or in our cloud, integrate Formance in minutes with the online documentation and community support. Our SDKs remove 80% of the code needed to build your flows and let you write them in the language of your choice.

  • Seamlessly integrate new processors

    Integrate new payment and banking providers in minutes using our pre-built connectors or build your own one using our Connector framework. A single platform for end-to-end payment flows.

Browse the use-cases library

Allow your customers to use their wallets at checkout and for payments

Use multi-destination to collect fees on your ledger transactions

Split a customer payment to multiple parties with templates

  • What is a ledger?

    A ledger is the system of record of all your transactions and balances. It stands as the central repository in which double-entry accounting transactions are stored and summarized.

    It lays the groundwork for reconciliation, which is the process of ensuring every transaction in your payment system has actually occurred and is recorded accurately.

    From an accounting point of view, it allows to manage transactions depending on their specificities (e.g. a refund is handled differently than a transaction with a discounted price).

  • Why do I need a ledger?

    Real-time payment data and financial information are consolidated in one place, allowing greater visibility across all the underlying platforms involved in online transactions.

    From financial data perspective, pay-ins and payouts are reconciled automatically. You won’t miss any discrepancies, even in the most complex payment schemes.

    From a compliance perspective, a ledger is a key component to meet your regulatory constraints as it is the basis for audit reports and financial statements.

  • I already use Stripe, can I use Formance?

    In short, yes. Formance is not a payment processor, it rather helps you tie them together. As soon as you start to have tables to track money in your system, e.g. between pay-ins and payouts if you're a marketplace, using the Formance ledger can make your life much easier.

  • Can I add my own points system using Formance?

    Formance lets you move assets between virtual ledger accounts through transactions. These assets can be anything from EUR to MADE_UP_POINT, which is great foundation for home-grown in-app points and credits systems.