Chard — Payment routing without lock-in.
Chard separates the act of charging from the choice of who clears it. We route to Stripe, Adyen, Braintree, PayPal, Mollie, dLocal, Checkout.com, and a growing list of regional acquirers — and to USDC, USDP, and PYUSD for crypto rails. Routing decisions consider price, latency, success rate, geography, fraud risk, and the merchant's own fairness policy. When a provider has an outage, Chard reroutes mid-flow without a customer ever seeing a failure. Disputes flow into Sage with full evidence packets attached.
PAYMENT pi_2c… $14,820.00 USD Route primary=adyen fallback=stripe Auth approved 240ms AVS Y CVV M 3DS frictionless Risk score=0.04 decision=allow Posts Bean J-2026-04-28-00417 · Cabbage INV-2941
What it does.
8 capabilities, summarized.
- 01Card, ACH, SEPA, wire, RTP, FedNow, crypto settlement
- 02Smart routing with success-rate, fee, and risk inputs
- 03Provider-agnostic refunds and partial captures
- 04Idempotent payments with replay-safe ledgering
- 053-D Secure 2 step-up flows
- 06Tokenization and network token storage
- 07Dispute and chargeback orchestration
- 08PCI DSS 4.0 SAQ-D scope minimization
The technical surface.
- Audience
- both
- APIs
- REST · Webhooks · MCP · x402
- Standards
- PCI DSS 4.0 · PSD2 · Reg E
- Partners
- Stripe · Adyen · Braintree · Mollie · Checkout.com · dLocal
What it works with.
Cabbage — Billing for businesses with weather.
Subscription, usage, hybrid, prepaid, postpaid, milestone, contract, and one-off billing — with proration, dunning, revenue recognition, and an invoice engine that produces documents you'd actually mail.
Kale — Treasury, but not boring.
Operating cash, FX, sweeps, MMF allocations, and forecasting. Kale models your treasury policy as code and executes it across banks, brokerages, stablecoin pools, and on-chain venues.
Branches — Bank connectivity that doesn't break on Mondays.
Plaid, MX, Teller, Finicity, and direct ISO 20022 connectivity to banks. Branches gives you authoritative balances, statement reconciliation, ACH origination, and wire instructions.