Settlement & payouts infrastructure

Move money on rails, not workarounds.

latchpay is the settlement layer platforms build on — orchestrate payouts across ACH, wire, SEPA, and RTP, reconcile every cent automatically, and ship it with a single API.

SOC 2 Type II · Funds held 1:1 in segregated accounts · 99.99% uptime

POST /v1/payouts

POST https://api.latchpay.com/v1/payouts
{
  "currency": "USD",
  "rail": "auto",      // ACH · wire · SEPA · RTP
  "items": 412,
  "reconcile": true
}

Settlement run · run_8fa2 412 payouts

Meridian Retail

ACH · same-day

$48,210.00

Settled

Arclight Co.

WIRE · fedwire

$1,205,000.00

Settled

Northgate Vendors

RTP · instant

$16,540.75

In flight

$3,418,902.40 cleared Reconciled · 0 exceptions

Orchestration

One API for every rail.

Send to ACH, wire, SEPA, and RTP through a single integration. latchpay picks the fastest, cheapest path for each payout and fails over automatically when a rail goes down.

✓Smart routing across domestic and cross-border rails
✓Automatic retries and rail failover on returns
✓Batch or stream — 1 payout or 1,000,000 in a run

See how a run clears

ACH

WIRE

SEPA

RTP

Reconciliation

Every cent accounted for, automatically.

latchpay matches each disbursement to its return, fee, and bank statement line in real time. Exceptions surface the moment they happen — not at month-end close.

✓Real-time, line-level reconciliation against bank files
✓Webhooks on every state change: created → cleared → settled
✓Immutable, exportable ledger for audit and close

Read the controls

Ledger · todayauto-matched

Disbursements

412 lines

Matched

Returns & reversals

3 lines

Matched

Network fees

412 lines

Matched

0 exceptionsClosed in real time

Built for scale

Infrastructure that holds under load.

99.99%

Settlement API uptime, trailing 12 months

<2s

Median payout acknowledgement, RTP rail

4 rails

ACH, wire, SEPA & RTP through one integration

How it works

From API call to cleared funds in three moves.

Create a run

Post one or a million payouts to /v1/payouts. We validate accounts, screen for risk, and price each rail.

We route & settle

latchpay sends each payout down the optimal rail, holding funds 1:1 in segregated accounts until they clear.

You reconcile in real time

Webhooks and an immutable ledger keep your books matched line-by-line — close is continuous, not monthly.

Request access

Put your payouts on rails.

Tell us where you're sending money today. We'll show you what latchpay clears tomorrow.

Request access How it works