Your platform's entire money flow,
in one ledger
Balances, payouts, reconciliation and thousands of connected accounts — Cobaltpay runs the whole money operation behind your platform, so you ship product instead of treasury plumbing.
One ledger for every euro that moves
Captures, refunds, fees and payouts post to a single double-entry ledger the moment they happen. Available and pending balances update in real time, so finance always knows exactly what is settled, what is in transit, and what is owed to each merchant.
- Available vs. pending split, down to the transaction
- Immutable, append-only entries with a stable reference
- Funds held in segregated, reconciled accounts
Pay every merchant, on every schedule, automatically
Define a payout policy once and Cobaltpay runs it for thousands of connected accounts — no batch files, no manual transfers. Choose instant rails for sellers who need cash today, or T+1 settlement for everyone else.
Schedules per merchant
Daily, weekly or on-demand cadences — set a default and override it for any connected account.
Instant or T+1
Push eligible funds to a debit card in seconds, or settle to a bank account the next business day.
Split & hold
Split a single charge across sellers, apply application fees, and hold funds until you release them.
Books that tie out, every single day
Every payout ties back to the captures that funded it and the fees deducted along the way. Export settlement, fee and payout registers as CSV or XLSX, or stream the same data to your warehouse — your month-end close becomes a download, not a project.
- Three-way tie-out: charges → balance → payout
- Per-merchant fee and interchange breakdowns
- Scheduled exports and a reporting API
Thousands of sub-merchants, one control plane
Onboard sellers with embedded KYC, watch their status move from onboarding to active, and manage limits, payouts and risk from a single dashboard. When an account needs attention, Cobaltpay flags it before a settlement is ever blocked.
Platforms ship faster on Cobaltpay
Marketplaces, vertical SaaS, and platforms use Cobaltpay to onboard merchants, move money, and settle payouts — without standing up their own payments and treasury teams.
We replaced our in-house ledger and merchant onboarding with Cobaltpay in a quarter. Embedded KYC cut activation from three weeks to two days, and reconciliation that used to eat a full engineer is now a webhook. The economics are just per-transaction — no monthly minimum to defend internally.
T+1 payouts to 4,000 carriers without us building any treasury. Cobaltpay handles settlement, split funds, and the 1099s — we ship features instead of money-movement plumbing.
Flat, transparent pricing we can actually read, SCA and 3-D Secure handled out of the box, and chargeback evidence files generated for us. Our first marketplace transaction went live in under a week.
Start moving money in days, not months.
Onboard merchants, accept payments and settle payouts on one platform. Go live with sandbox keys today and switch to production once your first account passes KYC.
or talk to our teamNo setup fees · No monthly minimums · PCI DSS Level 1