Payments infrastructure

Money, in motion. at the speed of code.

One API for acceptance, ledgering, payouts and reconciliation. We move the value — you ship the product.

Routing value for teams at
charge.ts
1// Move value with one call — idempotent by default.
2import { Conduit } from "@conduit/sdk";
3
4const cx = new Conduit(process.env.CONDUIT_KEY);
5
6const flow = await cx.transfers.create({
7  amount: 42000,          // $420.00, minor units
8  currency: "usd",
9  source: "acct_river",
10  destination: "acct_delta",
11  rail: "instant",     // auto-fallback to ach
12});
13
14console.log(flow.status); // "settled"
1# Same money, no SDK.
2curl https://api.conduit.dev/v1/transfers \
3  -u "$CONDUIT_KEY:" \
4  -d amount=42000 \
5  -d currency=usd \
6  -d source=acct_river \
7  -d destination=acct_delta \
8  -d rail=instant
9
10# ← 200 OK  { "status": "settled" }
POST /v1/transfers settled in 312ms
The primitives

Four parts. One ledger.
No glue code.

Most stacks bolt acceptance to a separate ledger to a separate payout tool, then spend a quarter reconciling the seams. Conduit ships them as one coherent object model — every cent has a home before it lands.

core

Acceptance

Cards, bank debits, wallets and pay-by-bank behind a single charge object. We route to the cheapest rail that clears, retry the declines worth retrying, and never double-charge — idempotency keys are the contract, not an option.

ledger

Ledgering

A real double-entry ledger underneath every balance. Query it like a database, trust it like an auditor would.

EntryAmountState
txn_8fa1 · capture+$420.00posted
txn_8fa1 · fee−$12.18posted
txn_91c4 · payout−$407.82pending

Payouts

Send to anyone, anywhere, on the rail that gets there first — with same-day fallback baked in, not bolted on.

Reconciliation

Statements that already balance. We match deposits to entries before you wake up, and flag what we can't.

Compliance

KYC, fraud scoring and the paper trail regulators ask for — moving quietly in the background of every call.

How it moves

Watch a dollar travel.

From the moment of intent to the moment it settles, every Conduit transfer crosses the same four checkpoints. Scroll, and follow the value down the pipe.

01 / intent

You call create()

A transfer object is born with an idempotency key. Replays are free; double-spends are impossible.

02 / authorize

We hold the value

Risk scores in under 40ms. Funds are reserved against a real ledger entry, not a promise.

03 / clear

The rail does its work

Instant where it exists, ACH where it doesn't — chosen for cost and speed, switched if one stalls.

04 / settle

The webhook fires

Money lands, the ledger posts, reconciliation closes itself. You get one event you can trust.

Built for the floods

The throughput is the product.

Payments break at the edges — the launch spike, the midnight batch, the rail that goes dark at 2am. Conduit is engineered for the day everything happens at once.

312ms
Median settle time, instant rail
99.998%
Trailing-90-day API availability
8.4B
Value routed last year, USD
47rails
Settlement networks, one interface
From the build logs
“We ripped out three vendors and a reconciliation team's worth of spreadsheets. Conduit's ledger balanced on the first day and hasn't drifted since. It's the first time money felt like a part of the codebase.”
Rosa MarchettiHead of Platform, Northwind
All systems operational
Acceptance100.00%
Ledger100.00%
Payouts99.99%
Webhooks100.00%
status.conduit.dev · updated 14s ago
Pricing

Pay for value moved.
Nothing you didn't use.

No seat licenses, no platform fee, no surprise line item at the end of the quarter. The price scales with the money — and so does the support.

Launch

0.9% + 20¢

For the first product. Live in an afternoon, free until you clear your first $10k.

  • All four primitives
  • Test & live keys
  • Community + docs
  • 90-day ledger history
Start free

Scale

0.6% + 15¢

For teams past product-market fit. Volume pricing kicks in automatically as you grow.

  • Everything in Launch
  • Instant payout rails
  • Priority support, 1h SLA
  • Unlimited ledger history
  • Custom webhooks
Choose Scale

Conduit Direct

Custom

For platforms moving nine figures. Interchange-plus, a named engineer, and rails on request.

  • Everything in Scale
  • Interchange-plus pricing
  • Dedicated infrastructure
  • Named solutions engineer
  • 99.99% uptime SLA
Talk to us
Ship money today

Your first transfer
is twelve lines away.

Grab a test key, paste the snippet, watch a dollar settle in the dashboard. No sales call to write your first line of code.