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Fragment

Ledger-as-a-service API for engineers who build money-moving fintech products.

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US Est. 2022 Active Payment Gateway / PSP

Our Verdict

Exactly what you need if you're building money-movement products — but useless if you're not.

Pros

  • Purpose-built money ledger API
  • Double-entry correctness out of box
  • Solves hard accounting for fintechs
  • Developer-first design

Cons

  • Not a payment rail itself
  • Learning curve for ledger model
  • Usage-based pricing adds up
  • Narrow use case
Best for: Engineers building fintech products needing correct double-entry ledgers Not for: Merchants wanting payment acceptance or non-money-moving apps

When to Use Fragment

Good fit if you need

  • Ledger-as-a-service for tracking money movement in fintech products
  • Double-entry accounting API for money-moving apps and wallets
  • Programmable ledger for marketplace escrow and multi-party settlement
  • Financial audit trail and balance tracking for complex payment flows

Lock-in Assessment

High 2/5
Lock-in Score
2/5

Fragment Pricing

Pricing Model
usage
Free Tier
No
Entry Price
Enterprise Available
No
Transparency Score

Beta — estimates may differ from actual pricing

1,000
1001K10K100K1M
10,000
1K10K100K1M10M

Estimated Monthly Cost

$25

Estimated Annual Cost

$300

Estimates are approximate and may not reflect current pricing. Always check the official pricing page.

Community Discussion

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