Payment acceptance
Accept cards, wallets, bank transfers and local methods through a single integration.
Banking gateway for digital business
Move money forward.
Setlo is the modern banking gateway powering payment acceptance, smart routing, multi-currency settlement and payouts for digital businesses worldwide.
PCI DSS Level 1SOC 2 Type IIISO 27001
Security
3-D Secure 2.2
Avg settlement
0.8s
Success rate
99.2%
135+
Currencies supported
99.99%
Platform uptime
0.8s
Average settlement
38,402
Transactions today
Core solutions
Everything you need to move money.
Four building blocks that compose into the banking gateway for your digital business.
Smart routing
Maximise authorisation rates with adaptive routing across acquirers and processors.
Settlement & payouts
Multi-currency settlement and global payouts with transparent FX and reconciliation.
Analytics & control
Real-time reporting, granular controls and operational insights at every level.
Product
One dashboard for every transaction.
Live volumes, success rates and settlement health — across all your acquirers and rails.
Total volume settled
$1,284,950
+4.8% vs last week
Transactions
38,402
Success rate
99.2%
Avg settlement
0.8s
How it works
Four steps from request to settled funds.
01
Connect
Integrate via REST API, SDKs or hosted checkout in minutes.
02
Route
Smart routing selects the optimal acquirer for every transaction.
03
Process
Authorise, capture and reconcile with built-in fraud and 3DS.
04
Settle
Receive funds in 135+ currencies with transparent FX.
Why Setlo
Built for teams who ship.
Multi-currency support
Accept and settle in 135+ currencies with competitive FX.
Instant APIs
Production-ready APIs, SDKs and sandbox you can ship today.
Bank-grade security
PCI DSS Level 1, tokenisation and 3-D Secure 2 by default.
Real-time settlement
Sub-second authorisation with same-day settlement options.
Industries
Trusted across digital business.
Digital platforms
PaaS / iPaaS
SaaS & subscriptions
Recurring billing
Online marketplaces
Multi-party flows
E-commerce
DTC & retail
Fintech products
Embedded finance
Global digital services
Cross-border
Developers
Designed by engineers, for engineers.
> # Create a payment with Setlo curl https://api.setlo.io/v1/payments \\ -H "Authorization: Bearer sk_live_..." \\ -H "Idempotency-Key: 6f1d0c8a" \\ -d amount=4280 \\ -d currency="eur" \\ -d method="card" \\ -d customer="cus_8gJq2L"# 200 OK{ "id": "pay_3xK9...","status": "authorised","settled_in_ms": 812}
REST API
Predictable resources, clear errors and full OpenAPI spec.
Webhooks
Signed, retried events for every state change.
Idempotent requests
Safely retry network failures without duplicate charges.
Sandbox & docs
Test cards, simulators and a full sandbox environment.
Integration support
Engineers on call to help you go live faster.
Security & compliance
Bank-grade by default.
Data protection
Encrypted in transit and at rest with strict access controls.
Transaction monitoring
Continuous fraud and anomaly detection in real time.
Compliance-ready flows
KYC, KYB, AML and SCA aligned with regional regulation.
Resilient infrastructure
Multi-region, multi-AZ deployment with active failover.
Get started
Start settling smarter.
Tell us about your business and we'll get back within one working day with a tailored demo.