Settlement & Payouts

Settle. Reconcile. Pay out.

Lyria collects funds from every provider you process through, reconciles them against the ledger and settles to your accounts in the currencies you choose. When money needs to go out, payouts run on the rail that suits each recipient.

Talk to our team Developer overview

Settlement batchesIllustrative

Batch	Currency	Net	Status
stl_8841	EUR	482,190.32	Settled
stl_8840	USD	301,442.07	Settled
stl_8839	GBP	128,005.90	In transit
stl_8838	USDC	75,000.00	Settled

Sample data. Each batch reconciles to individual payments, fees and adjustments.

From many providers to one settlement.

However many acquirers and methods you use, you receive one settlement view, reconciled down to each payment and fee.

Consolidated settlement

Funds from every provider are matched to the ledger and settled to your accounts.

Line-level reconciliation

Each batch breaks down into payments, refunds, fees, chargebacks and adjustments.

Settlement currency choice

Settle in the currency you sold in, convert to your operating currency, or settle in stablecoins where permitted.

Payouts on every rail

Send funds to bank accounts, cards and wallets, locally and cross-border.

Mass payouts

Pay thousands of recipients in one request, with validation before anything leaves.

Predictable timing

Settlement schedules are agreed upfront and visible in the console for every batch.

How it works

How funds reach you.

Collect
Providers settle to Lyria-managed accounts at regulated partners.
Reconcile
Settlement files are matched against the ledger.
Net
Fees, refunds and adjustments are applied transparently.
Settle
Net funds are paid to your accounts on schedule.

Details

Settlement & Payouts at a glance.

Settlement currencies: Major fiat currencies, and stablecoins through regulated partners where permitted.
Payout destinations: Bank accounts, debit cards and wallets, depending on country and currency.
Schedules: Daily or as agreed, per currency and provider.
Reconciliation files: CSV and API access to batch and line-item detail.
Controls: Recipient validation, sanctions screening, dual approval and configurable limits.
Reserves: Any reserve requirement is set out clearly in your agreement and visible in your balances.

Who Settlement & Payouts is built for.

Platforms & marketplaces

Settle buyer payments and pay sellers on schedule or on demand.

High-volume merchants

See one reconciled settlement across every acquirer you process through.

Integrate

Reconcile straight from the API.

One request style across every Lyria product, with idempotency, signed webhooks and a sandbox that mirrors production.

Line items for every payment, fee and refund
Stable identifiers that match your records
Files and API access for finance teams

Developer overview

Read a settlement

GET /v1/settlements/stl_8841
{
  "currency": "EUR",
  "gross": 502118.40,
  "fees": -19928.08,
  "net": 482190.32,
  "status": "settled"
}

Works with

Complete your stack.

Every product shares the same ledger, data model and controls, so adding the next one is a configuration change.

OrchestrationRoute each payment to the provider most likely to approve it.AccountsMulti-currency accounts through regulated banking partners.Digital AssetsStablecoin acceptance, settlement and conversion.Risk & ComplianceOnboarding, screening and monitoring infrastructure.Ledger & ReportingA double-entry record of every movement of funds.

Questions about Settlement & Payouts.

Do you hold a rolling reserve?

Reserve terms depend on your business profile and are agreed upfront. Where a reserve applies, it is itemised in your agreement and visible in your balances.

Can we settle in a different currency from the one we sold in?

Yes. You can settle in the transaction currency or convert to your operating currency, with the rate shown in your reporting.

How are payouts screened?

Recipients are screened against sanctions lists before funds are released, and payouts follow the limits and approvals you configure.

Can we reconcile automatically?

Yes. Batch and line-item data is available by API and as files, with stable identifiers that match your own records.

See every settlement, line by line.

Tell us about your flows and volumes, and we will show you how Settlement & Payouts fits alongside the rest of your stack.

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