Ledger
One ledger. Every cent. Real time.
Every payment, fee, refund, dispute, FX conversion, and payout posts to a double-entry ledger the moment it happens. Query it by API, export it to your warehouse, or let the Reconciliation Agent tie it out for you.
- Approved before your first charge
- No monthly fee or contract
- Same-day settlement
- Real humans on the phone
- Real time
- Every event posted as it happens
- Double-entry
- Balanced by construction
- Minutes
- Month-end close with the Reconciliation Agent
- Full
- API and warehouse export
What Real-time Ledger gives you
Unified across channels
Online, in-person, invoices, payouts, and FX on one chart of accounts.
Fee-level detail
Interchange, network, and HL Hunt fees itemized on every transaction. No blended mystery.
Balance API
Available, pending, and reserved balances per currency, queryable in real time.
Warehouse sync
Stream to Snowflake, BigQuery, or S3. Export CSV with stable schemas.
Audit trail
Every entry links to the event, the actor, and the API request that caused it.
Reconciliation Agent
Matches settlements to bank deposits and flags exceptions automatically.
Start using Real-time Ledger today.
Create your account, get approved up front, and take your first payment today. No monthly fee, no contract.
How it works
- 01
Transact
Every API call or dashboard action emits events that post to the ledger immediately.
- 02
Query
Use the Ledger API, dashboard reports, or your own warehouse to analyze balances and flows.
- 03
Close
The Reconciliation Agent matches payouts to bank statements and produces a close package.
Why a real ledger matters
Most processors give you a transaction list and a settlement report that do not agree with each other. Finance teams spend days each month reconstructing what happened. HL Hunt is built on a double-entry ledger, so the transaction list, the balance, and the settlement are different views of the same balanced books.
For platforms and marketplaces, the ledger supports sub-accounts and connected accounts natively. You can report on your own revenue, seller balances, and platform fees without building your own ledger on top of ours.
What changes
HL Hunt vs a typical processor for Real-time Ledger
| HL Hunt | Typical processor | |
|---|---|---|
| Real-time Ledger | Included with every account | Add-on fee or third-party vendor |
| Underwriting | Done up front, before your first charge | After you start processing, often mid-month |
| Account freezes | Never without a named human and a reason in writing | Automated holds triggered by volume or category |
| Settlement | Same day to your bank, instant payouts available | 2 to 7 business days, longer for new accounts |
| Disputes | Dispute Agent assembles evidence and responds for you | You upload PDFs into a portal and hope |
| Support | Phone, chat, and email answered by payments staff | Ticket queue with templated replies |
| Pricing | Published rates or a written quote, no hidden markups | Tiered pricing, PCI fees, statement and batch fees |
Pricing
Simple, published pricing
One rate per channel, no monthly fee, and no contract. Real-time Ledger is included at no extra cost on every HL Hunt account. Volume pricing is available once you process more than $250,000 a month.
- 2.6% + 10¢
- In-person and Tap to Pay
- 2.9% + 30¢
- Online cards and wallets
- 0.8%
- ACH bank transfers
- $0
- Monthly, PCI, or statement fees
Cards and wallets, any phone
Checkout, invoices, API
Capped at $5 per payment
Pay only when money moves
Everything included
One account covers all of it
Real-time Ledger is one part of the platform. Every HL Hunt account ships with the full stack, so you never bolt on a second vendor as you grow.
- Cards, wallets, ACH & BNPLEvery major payment method enabled from day one.Learn more
- Tap to Pay on any phoneTake card-present payments with no hardware.Learn more
- Invoicing & virtual terminalBill by email, take payments over the phone.Learn more
- Subscriptions & billingAny pricing model, automatic retries.Learn more
- Instant payoutsPay yourself or anyone in 180+ countries.Learn more
- AI agentsFraud, disputes, recovery, reconciliation.Learn more
- Fraud & dispute defense500+ signals and automatic evidence filing.Learn more
- Ledger & reconciliationEvery sale, fee, and deposit in one view.Learn more
- Open API & docsEvery endpoint documented, with test mode from day one.Learn more
Get started
Set up Real-time Ledger today
Create an account, confirm your business, and start processing the same day. Here is what you will need.
Prefer to talk first? info@hlhunt.org
- 01Legal business name, EIN, and a business bank account
- 02A website or product description showing what you sell and how you bill
- 03Government ID for the owner or an authorized signer
- 04Expected monthly volume and average ticket size
- 05Where you want to take payments: online, in person, or both
Real-time Ledger FAQ
Can I export the ledger to my data warehouse?
Yes. Native sync to Snowflake, BigQuery, and S3, plus CSV exports and a paginated Ledger API.
Does it support multiple currencies?
Yes. Balances are maintained per currency, and every FX conversion posts both legs with the applied rate.
Is the ledger included?
Yes. The ledger, reports, and Reconciliation Agent are included with every account.
Still have questions?
Talk to a payments specialist, or create an account and see it for yourself.
Start accepting payments today.
Create your account in minutes. Underwriting is done up front, so you are approved before your first charge.