Introduction

Ledgers-aaS is PayMongo's ledger infrastructure for businesses that need to track money movement with precision. It records every credit and debit as a balanced pair of entries, so balances across accounts always stay reconciled and auditable.

This section is written for two audiences. Product and operations teams will find the mental model, terminology, and use cases they need to design balance flows. Engineers will find the Quick Start and the linked API Reference to integrate ledgers into their stack.

Use Ledgers-aaS to:

• Maintain a system of record for funds held on behalf of users, merchants, or internal entities.
• Track posted, pending, and available balances in real time.
• Power features that depend on accurate sub-account balances — marketplaces, payouts, wallets, and reconciliation workflows.

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To gain access to the Ledgers dashboard, request it from [email protected].

What's in this section

• Key Concepts — the terminology and double-entry model that underpin every ledger operation.
• Use Cases — real-world scenarios where Ledgers-aaS is the right primitive.
• Quick Start — the fastest path from authentication to your first posted transaction.