Payment infrastructure, built on balanced books.

Accept payments, send invoices, bill subscriptions and split funds between sellers — all recorded on a double-entry ledger that proves every penny, on every transaction, in real time.

Create your account → Open the dashboard

Instant API key. Test card 4000 0000 0000 0000 approves in the sandbox.

117 / secauthorizations sustained, measured live
Σ = 0trial balance on every reconciliation, ever
3 currenciesGBP, USD, EUR — settled in GBP
1.4% + 20pper successful capture. No monthly fees
Products

Everything a merchant needs. Nothing bolted on.

One API, one dashboard, one ledger underneath it all. Every product below is live on the platform today.

Accept

Payments

Authorize and capture cards through a REST API with idempotency keys and instant, structured decline codes.

 Checkout

A hosted payment page you can spin up with one API call — share the link, get paid, no frontend required.

 Invoicing

Itemised invoices with hosted payment pages, due dates and automatic receipts once the customer pays.

Grow

Subscriptions

Plans and recurring billing run by the platform itself — renewals charge on schedule without a cron job on your side.

 Connect splits

Route one charge to a seller, take your platform fee, keep processing fees separate — in a single balanced entry.

 Multi-currency

Present prices in GBP, USD or EUR. Settlement lands in GBP at transparent rates, to the exact penny.

Protect

Risk engine

Every authorization is scored on seven live signals before money moves. Weights retrain on your real outcomes.

 3-D Secure

Elevated-risk payments step up to a hosted bank challenge automatically. Merchant-initiated renewals stay exempt.

 Disputes

Chargebacks with reserves handled on-ledger, evidence submission from the dashboard, and clear win/loss outcomes.

Operate

Webhooks & events

Signed events for every money movement, delivered by the platform with automatic retries and full delivery logs.

 Restricted keys

Scope API keys to exactly what a server needs — a checkout key that can charge but can never touch payouts.

 Reports & payouts

Balances, payouts, CSV exports and a reconciliation endpoint that shows the books balance — because they do.
Developers

Integrate in an afternoon.

Sign up, get a key, charge a test card — the whole platform is self-serve. The API speaks plain JSON and never surprises you.

# 1 — create an account, get your key instantly
$ curl -X POST https://api.kitepay.uk/v1/signup \
  -d '{"name": "Croft Street Records", "email": "you@shop.uk"}'

# 2 — take a payment
$ curl -X POST https://api.kitepay.uk/v1/payments \
  -H "x-api-key: sk_test_…" \
  -H "Idempotency-Key: order-1041" \
  -d '{"amount": 2500, "card_number": "4000000000000000"}'

# 3 — verify the books, any time
$ curl https://api.kitepay.uk/v1/reports/reconciliation
{ "trial_balance_sum": 0, "match": true }
  • Idempotency built inRetry a request a hundred times, money moves once. Proven under concurrent load.
  • Signed webhooks, retried for youHMAC-signed events with exponential backoff and a delivery log you can read.
  • Restricted keysPer-resource read/write/none permissions, revocable in one call.
  • A sandbox that behaves like productionDeterministic test cards for approvals, declines, insufficient funds and risk blocks.
The ledger

Every payment is a balanced journal entry.

  • Double-entry, atomically. Authorize, capture, refund, dispute, payout — each is one transaction of postings that sum to zero, or it doesn't happen at all.
  • Risk-scored before money moves. Velocity, decline rates, card cycling, amount anomalies — checked first, so a blocked payment never touches a balance.
  • Reconciliation as an API call. The trial balance is recomputed on demand. The answer is always zero.
  • Nothing deleted, ever. The journal is append-only. Your money's history is your audit trail.
Pricing

One rate. No surprises.

1.4% + 20pper successful capture
  • No monthly fees, no setup fees, no minimums
  • Refunds and payouts free · disputes £15, returned if you win
  • Invoicing, subscriptions, splits and the risk engine included
Start now →

Take your first payment today.

Self-serve signup, instant API key, sandbox cards ready.

Create account →