Open, modular foundation for unique payments flows

Build, operate and track money movements of any size and shape on a solid and open-source system-of-record.

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Build flows that mirror your business

[...] 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

Write complex financial transactions in a few lines, without being a payment expert. No more weeks of coding, testing, 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 use cases (i.e. new payout cycle, in-app wallet) in hours - via our library. Build or edit any pre-built use cases to your specific needs. Build your own connectors in a few clicks with our SDKs.

Browse the use-cases library


  • What is a ledger?
  • A ledger is the system of record of all your transactions and balances, i.e. 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, depending on its specificities (e.g. a refund is handled and recorded differently than a transaction with a discounted price).

  • Why do I need a ledger?
  • 1/ Real-time payment data and financial information are consolidated in one place, allowing greater visibility across all the underlying platforms involved in online transactions; 2/ From financial data perspective, pay-ins and payouts are reconciled automatically and painlessly. You won’t miss any discrepancies between pay-ins and payouts, even in the most complex payment schemes; 3/ 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. ------------------------------------------------------------------------ « Reconciliation is one of the trickier aspects of a business, regardless of whether it’s a sole trader, SMB or a larger organization, as it involves balancing money going in and out simultaneously across multiple parties, and the various fees that are potentially paid as that money moves around. The bigger an operation (regardless of organization size), the more complex it becomes. The smaller the organization, the more critical the work is since it’s closely linked to cashflow » - TechCrunch

  • 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.

  • I want to add my own points system to my app, can I use 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.

Formance - Build & track custom money flows, on a solid foundation | Product Hunt