Spenda Ledger
Embedded payments for marketplaces and software platforms
Accept payments and manage funding – your way
A fully white‑labelled solution that brings payments and lending together in one simple platform
One platform. Total control
Accept multiple payment types and issue branded virtual credit cards with set limits – all in one place.
Finance made simple
Use your own funding arrangements while we manage payouts and collections from your customers.
Payment security you can trust
Stay compliant with built-in AML/KYC checks, and PCI standards, plus fraud protection and monitoring.
Your brand. Your experience
Deliver a fully branded payments solution that integrates easily through APIs and dashboards.
Clear insights, smarter decisions
Stay in control with real-time dashboards to manage payments, sub-merchant activity, and reporting.
Competitive rates, built to scale
Get more from every transaction with volume‑based pricing tailored to your business.
Easily embed payments into your platform
and stay in control
Fast, simple onboarding
Our onboarding process makes it easy for new sellers to get verified and start transacting quickly. With Spenda Ledger, you can onboard sellers smoothly and keep them engaged.
✓ Business verification
✓ Link bank accounts for payouts
✓ Two-factor authentication
✓ KYC checks and status updates
✓ Customer support
✓ Fully white-labelled
Offer more ways to pay
Make buying easy by accepting payments through multiple channels and giving customers flexible financing options. This helps boost sales and improves the overall buying experience.
Payment methods:
✓ Credit/Debit Card
✓ Direct Debit
✓ Buy Now, Pay Later
✓ Apple Pay
✓ Google Pay
✓ PayID
Faster payments and payouts
Give your sellers quick access to their earnings so they can reinvest or cover expenses without delay.
✓ Combine all processed payments into one payout
✓ Open new revenue opportunities and attract more business
✓ Automate payouts to save time and reduce errors
✓ Decide when and how to distribute revenue
Manage it all in one dashboard
Stay in control with clear, transparent account management.
✓ Manage sub-merchant activity
✓ Issue refunds
✓ Track and reconcile payments
✓ Manage payouts
✓ Automate communications
Payment security
Keep transactions safe and compliant. Our platform uses advanced encryption and fraud protection to ensure every payment is secure.
API documentation
Access powerful APIs with ease. Get instant access to clear, developer-friendly API docs to integrate payments quickly.