We built the payments layer we wanted to use.
Folio started with a stubborn frustration: every processor we tried asked us to hand customers to a stranger’s domain, accept a stranger’s name on the statement, and trust a payout schedule no one would explain. So we wrote the platform we wished existed — branded checkout, honest payouts, and an API engineers actually enjoy.
Three things merchants deserve.
Not features bolted on later — the reasons the company exists in the first place.
Branded checkout
A hosted checkout that lives on pay.yourstore.com, wears your mark above the fold, and prints your descriptor on the bank statement. The handoff disappears.
pay.yourstore.comInstant, honest payouts
Money arrives on a schedule you can read, with every fee and reserve named. Settlement is surfaced exactly as the processor reports it — to the cent.
Paid out · dailyAn API you enjoy
One line to create a charge, idempotent by default, typed SDKs, and webhooks you can replay. The first integration passes review on day one.
POST /v1/charges“The customer never leaves your world — and the money never gets murky.”
What we refuse to compromise on.
The handful of rules that decide every product call we make.
Honesty about money
Fees, payouts and reserves are stated in plain numbers, before you ever take a charge. Settlement reads to the cent, on a schedule you can predict. When a reserve exists, it has a name and a reason — never a surprise mid-quarter.
No surprise holdsYour PII isn’t hostage
KYB is tokenized in the merchant’s browser; sensitive identity data never lands in a vault we could lose or leak. You get verified without becoming a liability — and your data stays yours to take with you, whenever you want.
Tokenized, in-browserYour brand on the statement
Branded checkout on your own domain, your descriptor on the bank statement, your logo above the fold. The customer never leaves your world — and never has to learn ours. The payment looks like the rest of your product, because it is.
Your name. Full stopA small group with a long memory.
Engineers, risk people and designers who would rather ship one legible thing than ten clever ones. When something breaks, a human writes back — usually within the day.
Put your name on the statement.
Branded checkout, honest payouts, and an API you can hold in your head. Live in minutes — no setup fees, no monthly minimums.