one platform. six components.

Everything Settld does hangs off one structural fact: we are the legal seller in each market we operate in. The six components below are how that shows up in your integration, your revenue and your month-end close. One API surface, one ledger, sandbox first.

the merchant portal

not a data lake. a place you close the month from.

Every number in the portal reconciles to the rows beneath it. Balances split into accrued, on the way and in reserve. Every transaction itemises gross to net at a locked FX rate. Every hold has a release date. This is what carrying the money properly looks like.

Settld merchant portal finance overview showing total balance split into accrued, on the way and reserve amounts, three currency wallets and the monthly payout cycle

Finance overview. Accrued, on the way and in reserve, with the payout cycle and threshold beside it.

Settld merchant portal transaction detail itemising customer payment, processing fee, VAT remitted, reserve hold and net settlement at a locked FX rate with a settlement timeline — One order, itemised. Customer paid, fee, tax remitted, reserve held, net to you, at a locked FX rate.

Settld merchant portal ZAR wallet view showing reserve holds with release dates, a release timeline chart and filterable wallet activity — Per-market wallets. Reserve holds with fixed release dates, and every movement filterable.

Settld merchant portal payouts view showing the payout cycle, payout threshold setting, verified bank payout method and payout history table — Payouts. One consolidated payout per cycle in your currency, with threshold control and history.

The numbers behind these screens are explained under treasury and settlement and the merchant of record core.

product preview

01

the merchant of record core

The foundation. Tax registered, calculated, invoiced and filed as the seller. Disputes defended with liability on our side. Fraud and underwriting always on.

explore the mor core

02

recurring collection

Subscriptions that renew on rails where nothing renews by default. Card-on-file where cards work, network mandates where they do not, recovery tuned to how African customers actually pay.

explore recurring collection

03

local payment rails

M-Pesa, MTN MoMo, Airtel Money, Capitec Pay, 1Voucher, OTT and instant bank transfer behind the same integration as cards. Routing picked per market, per transaction.

explore local rails

04

card acceptance

In-market acquiring so transactions present as domestic and approval rates behave. Local descriptors, tokenisation, automatic card refresh.

explore card acceptance

05

treasury and settlement

Collections across markets and currencies land as one payout per monthly cycle, in the currency you run your business in, itemised gross to net. Predictable enough to plan a business around.

explore treasury

06

checkout and buyer experience

Hosted, mobile-first, in your brand. Local methods, local currency, local language, with buyer support handled by us as the seller of record.

explore checkout

Not sure where to start? The how it works page walks the whole thread in four steps.