Payments that settle in one line.
Branded checkout, instant payouts, and global rails behind one honest API. Take your first live charge today — no setup calls, no spaghetti.
No setup fees · Live in minutes · PCI-DSS L1
Today's volume
- VISA
Studio Maray
···· 4242 · FR
€128.00Authorizing - MC
Helix Audio
···· 5417 · DE
€64.50Captured - AMEX
Northwind Co.
···· 1009 · US
€249.00Captured - VISA
Pero Coffee
···· 8123 · GB
€39.90Captured
Processing on the rails you already trust
- 0.00%
- Uptime SLA 90-day
- 0+
- Currencies +12 / yr
- 0 ms
- Median auth latency −18% YoY
- 0 min
- To first charge rising
From tap to settled.
Five hops on one rail. Folio runs every handoff — authorization, risk, capture, settlement — and surfaces it as a single, readable timeline.
- 01
Checkout
livepay.yourstore.com
- 02
Authorize
120msauth ok · issuer 00
- 03
Risk · 3-DS
38msscore 0.02 · 3-DS2
- 04
Capture
90ms€128.00 captured
- 05
Settle & Payout
T+1one payout · SEPA
Folio handles every hop; you get one webhook and one payout.
One platform, no spaghetti.
Everything payments touch — checkout, payouts, onboarding, risk and the ledger — built to feel like one product.
Branded checkout
Your domain, your name on the statement — a checkout your customers never question.
Instant payouts
Money in your account in seconds, not days — on your schedule.
KYB in the browser
Verify a business in-flow. Documents are tokenized — nothing sensitive is stored.
Global rails
One integration for cards, wallets, ACH and SEPA across 135+ currencies.
Fraud & 3-DS
Adaptive scoring and frictionless 3-D Secure 2 that only steps up when it must.
Readable ledger
Every charge, fee and payout in plain rows you can actually reconcile — and export.
Money that moves across borders.
Accept the methods your customers know, acquire on-shore in their market, and settle home in the currency you run on — all on one Folio integration.
Settlement currencies
Countries live
In-market acquiring
Currency settlement
Local payment methods
Cards, wallets and bank rails your customers already reach for, market by market.
Settlement in your currency
Net out FX and get paid in the currency you actually run the business in.
One integration
Every market ships on the same API, the same keys and the same dashboard.
On-shore acquiring
Route domestically for higher auth rates and lower cross-border cost.
An API you can hold in your head.
Predictable, typed and honest. The same primitives power our own dashboard, so what you read is what we run.
- Create a charge in one line — no SDK ceremony, no boilerplate.
- Idempotency keys on every write, so retries are always safe.
- Typed SDKs for Node, Python, Go and Ruby — autocomplete everywhere.
- Signed webhooks you can replay from the dashboard in a click.
# Charge €128.00 to a saved cardcurl https://api.folio.example/v1/charges \ -u "sk_live_8fK2…:" \ -H "Idempotency-Key: chg_7Qa1" \ -d amount=12800 \ -d currency=eur \ -d source=tok_4242 \ -d capture=true{ "id": "ch_7Qa1Bx9", "object": "charge", "amount": 12800, "currency": "eur", "captured": true, "status": "succeeded"}See your real cost.
Drag your monthly volume and we'll show the effective rate, every fee, and the net payout — no asterisks, no surprise reserves.
≈ 2,902 transactions / month
- Percentage · 1.30%
- €2,338.65
- Per-transaction · 2,902 × €0.25
- €725.50
- Total fees
- €3,064.15
fees = volume × 1.30% + 2,902 × €0.25. Volume discounts apply automatically; no setup fees, no monthly minimums.
Run the whole operation from one screen.
Balance, charges, payouts and customers — live, searchable, and honest. No spreadsheet export required.
Boring where it counts.
Security and compliance done quietly and well, so the interesting parts of your business can stay interesting.
PCI-DSS Level 1
The highest card-data standard, audited annually by a qualified assessor.
3-D Secure 2
Frictionless authentication that only steps up when the risk signals demand it.
AES-256 encryption
Data encrypted in transit and at rest; card numbers tokenized, never stored raw.
SOC 2
In progressType II controls for security, availability and confidentiality.
Data residency
Keep payment data in the EU or US — your region, your choice.
Simple, usage-based
Pay for what you process. Clear rates, transparent fees, and no minimums hiding in the fine print.
Starter
Everything you need to take your first euro.
per successful charge · no monthly fee
- Branded checkout on your own domain
- Cards, Apple Pay & Google Pay
- Instant onboarding, no setup fees
- Readable ledger & next-day payouts
- One-line API, webhooks & test mode
Scale
Most popularVolume pricing that bends down as you grow.
blended rates from 1.1% · tiered automatically
- Everything in Starter, plus —
- Negotiated interchange-plus pricing
- Instant payouts, ACH, SEPA & multi-currency
- 3-D Secure 2 & adaptive fraud scoring
- Priority support & an onboarding engineer
Enterprise
For platforms moving serious money at scale.
tailored pricing · annual contract
- Everything in Scale, plus —
- Dedicated account & solutions team
- Custom SLAs & 99.99% uptime guarantee
- Data residency & SOC 2 Type II reporting
- White-glove migration & API design
| Compare plans | Starter | Scale | Enterprise |
|---|---|---|---|
| Branded checkout | |||
| Instant payouts | Next-day | ||
| 3-D Secure 2 | |||
| Multi-currency settlement | |||
| Adaptive fraud scoring | Standard | Adaptive | Adaptive |
| Dedicated support | Priority | ||
| Uptime SLA | 99.95% | 99.99% |
No setup fees. No monthly minimums. No surprise reserves.
Teams that switched
Indie shops, DTC brands and SaaS teams who moved their money to Folio — and shipped faster for it.
“We were live in days, not a quarter. Branded checkout on our own domain meant customers never felt the handoff — it just looked like us, end to end. Payouts land next morning and reconcile themselves. Folio quietly became the most boring part of our stack, which is the highest compliment I can give a payments platform.”−2 weeks to launch
“Payouts finally read like a bank statement instead of a riddle. Every charge, fee and settlement lines up — finance stopped reconciling in spreadsheets.”+1.8% conversion
“The API is the one you wish everyone shipped: one line to charge, idempotent by default, webhooks you can replay. First integration passed review on day one.”1 day to integrate
“Fraud tooling that we didn't have to babysit. Risk scoring caught the bad ones, the rest sailed through. Disputes dropped and the team got their week back.”−40% chargebacks
“Saved cards, one-tap returning checkout, local methods at the edge — repeat purchase rate climbed within the first month and never looked back.”+12% repeat rate
Questions, answered.
The practical details teams ask before they switch — payouts, reserves, compliance and the money itself.
Most teams are taking live payments the same day. You start in test mode instantly with a one-line integration, and KYB runs in the background: business details, beneficial owners and bank account verify in minutes for the majority of accounts. Edge cases that need a human are usually cleared within one business day — and you keep building in test the whole time.
Standard payouts settle on a rolling T+2 and land in your bank by the next business morning. You set the cadence — daily, weekly, monthly or on-demand — per account, and instant payout is available on eligible rails for a small flat fee. Every payout is fully reconciled to the underlying charges in the dashboard.
No surprise reserves. Standard-risk accounts run with zero rolling reserve. If a reserve is ever required for a higher-risk profile, we tell you the exact percentage and release schedule up front and show the held balance live in your dashboard — never a silent hold on your money.
Simple, published pricing with no setup, monthly or hidden fees — you pay a flat rate per successful charge and nothing else. Volume tiers kick in automatically as you scale. See the full breakdown on the pricing section or model your effective rate in the fee calculator.
Yes. Branded checkout runs on your own domain with your logo, colors and copy, and your customers see your business name on their card statement — not Folio. It keeps chargebacks down and the experience feels entirely first-party.
Folio is PCI DSS Level 1 certified, the highest tier. Card details are tokenized in the browser and sent straight to our vault over TLS — raw PAN data never touches your servers or ours in the clear, which keeps you in the lightest SAQ-A scope. Tokens are reusable for repeat charges without you ever storing a number.
Disputes surface in the dashboard the moment they open, with the reason code, deadline and a guided evidence flow. You can submit your rebuttal in a few clicks, and our risk signals flag high-risk charges before they settle so you can act early. Webhooks fire at every stage so your systems stay in sync automatically.
Still curious? [email protected]
Start charging in minutes
One honest API, branded checkout, instant payouts. Drop in a key, take your first live charge today — no setup fees, no surprise reserves.
- No setup fees
- Live in minutes
- PCI-DSS L1
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