v1.0 Built for platforms

EmbeddedAccounting Infrastructurefor Platforms

Embed accounting into your product with a programmable ledger core, journal APIs, and the control layer teams need to ship with confidence.

  • 01Native accounting workflows
  • 02Programmable ledger APIs
  • 03Audit-ready control layer
API-first evaluationWhite-label readyAudit history
paprel ▸ journals
live
201POST
signed · validated

Stripe payout · acct_1Q3aBcd

2026-05-16·USD
AccountDebitCredit
1010 Cash · Operating$1,240.00
5300 Payment Processing Fees$35.50
4000 Revenue$1,275.50
Totals $1,275.50$1,275.50

Net income

$1,240.00

Assets = Liabilities + Equity

$1,240.00 = $0.00 + $1,240.00

Illustrative loop — see the API docs

Programmable LedgerJournal APIReconciliationAudit TrailMulti-EntityWebhooksMCP-NativeWhite-Label UICompliance ControlsReal-Time ReportingInvoicingExpense TrackingProgrammable LedgerJournal APIReconciliationAudit TrailMulti-EntityWebhooksMCP-NativeWhite-Label UICompliance ControlsReal-Time ReportingInvoicingExpense Tracking
SOC 2Type II roadmap
ISO 27001Targeted roadmap
AuthOAuth 2.0 / 2.1
Uptime99.9% on newledger.io
RegionsUS · EU · APAC
Audit7yr · CSV/JSON
Five lines to ship

Embed accounting with one API call.

Type-safe SDKs, language-native clients, and an MCP tool for AI agents. Same journal API across every surface.

curl https://api.paprel.com/api/v1/accounting/journals \
  -H "authorization: Bearer $PAPREL_KEY" \
  -H "x-data-signature: $(paprel-sign $PAPREL_SIGNING_KEY)" \
  -H "content-type: application/json" \
  -d '{
    "currency": "USD",
    "date": "2026-05-16",
    "description": "Stripe payout · acct_1Q3aBcd",
    "reference": "po_1Q3aBcd",
    "lines": [
      { "account_code": "1010", "account_name": "Cash · Operating",        "debit":  "1240.00" },
      { "account_code": "5300", "account_name": "Payment Processing Fees", "debit":    "35.50" },
      { "account_code": "4000", "account_name": "Revenue",                 "credit": "1275.50" }
    ],
    "meta_data": {
      "root_entity_type": "stripe_payout",
      "root_entity_id":   "po_1Q3aBcd"
    },
    "posted": true
  }'
How it works

Three primitives. One ledger of record.

Paprel sits between your product and the books your finance team trusts.

01 · CONNECT

Your platform calls Paprel.

Send transactions over a typed API, an SDK, or an MCP tool call — same surface, same primitives.

POST /api/v1/accounting/journals
tool: paprel.journals.create
webhook: ledger.posted
02 · POST

Double-entry journals, validated.

Every event lands as a balanced journal in an immutable ledger. Multi-entity, multi-currency, audit-ready.

202 · balanced · ref po_1Q3aBcd
multi-entity · multi-currency
audit-trail · immutable
03 · READ

Reports + reconciliation, in real time.

Trial balance, P&L, balance sheet — and a programmable surface to build whatever views you need.

GET /api/v1/accounting/reports
P&L · balance sheet · cash flow
real-time · queryable
Embedded Accounting Core

The accounting capabilities your platform needs

Paprel connects ledger infrastructure, accounting workflows, reporting, and controls so platforms can offer accounting as a native product capability.

Why Paprel

Why platform teams choose Paprel

Embedded accounting needs more than UI screens. Paprel gives teams a ledger-native foundation that is credible to finance, practical for product teams, and ready for governed automation.

01 Platform Fit

Built for Embedded Accounting

Paprel is designed around the product challenge itself: making accounting a native platform capability, not an afterthought.

02 Platform Fit

Faster Time to Market

Ship embedded accounting in weeks with core ledger, workflows, and reporting already connected.

03 Platform Fit

Trustworthy Controls

Immutable records, audit history, and structured workflows help you deliver accounting people can rely on.

Accounting-Native Logic

The foundation is built around real accounting behavior, so product teams can launch with more confidence and less reinvention.

Product Partnership

We help teams think through architecture, use cases, and rollout so embedded accounting becomes a strategic launch, not just a feature release.

Clear Category Positioning

Position accounting as a platform capability with a buyer-facing story your product, finance, and customer teams can explain clearly.

Why Embedded Accounting

Bring accounting into your product

Paprel gives platforms the ledger, workflows, reporting, and controls to make accounting a native product experience.

Your product becomes the financial system of record.

Instead of sending customers to a separate accounting tool, embed the books directly where work already happens. Paprel gives you the ledger infrastructure, accounting APIs, reporting model, and compliance foundation to launch a credible embedded accounting experience under your own brand.

  • Real-time ledger and sub-ledger synchronization
  • Accounting workflows and automation your users never need to leave
  • API-first infrastructure for platform-native deployment
  • Immutable audit history and compliance-ready controls

Where embedded accounting wins:

  • Neo-Banks & Fintech Products

    Extend beyond money movement with ledger-backed bookkeeping, reporting, and finance operations for business customers.

  • Accounting Firms

    Give clients a shared accounting workspace with stronger controls, faster review cycles, and a more modern operating model for firm-led services.

  • Vertical SaaS Platforms

    Turn your workflow product into the place customers run both operations and accounting, increasing retention and product depth.

Technical capabilities

Headless or White-Label

Launch with full UI control using components or go headless and build the exact embedded experience your market expects.

Platform-Ready Architecture

Designed for high-volume products with APIs, webhooks, event pipelines, and the operational flexibility platform teams need to scale confidently.

Accounting-Grade Integrity

A double-entry foundation with immutable records, traceability, and controls that support serious accounting use cases.

Under your brand

Your domain. Your design. Your dashboards.

Paprel runs invisibly behind a white-labeled UI you control — from the login screen to the invoice template to the audit log. One ledger; every surface yours.

Explore the white-label platform

The shape of things

Accounting that ships with your product.

One ledger. Every transaction. From the first API call to the audited general ledger — without the middleware in between.

See the embedded accounting platform
Primary Fit

Built for platforms embedding accounting into their product

Paprel is designed for SaaS, fintech, marketplace, and accounting-led products that need ledger-backed accounting workflows inside their own product experience.

Platform Teams

Evaluate embedded accounting for your product

Explore how SaaS, fintech, and business software teams can bring accounting, reporting, and automation into their own product with Paprel.

Best for product teams, engineering leads, and platform operators

Explore Embedded Accounting

Implementation Teams

Plan a governed rollout

Review deployment models, permissions, reporting, audit history, OAuth, and MCP-ready workflows before bringing accounting into your product roadmap.

Best for product, engineering, security, and finance stakeholders evaluating platform rollout

Talk Through Rollout
FAQs

Questions before embedding accounting

Practical answers about embedded accounting, governed AI workflows, MCP, deployment, permissions, and rollout.

Still have questions?

Talk to the team that's shipping this. Architecture reviews, integration guidance, and pricing without the dance.

Talk to the team
Evaluate Paprel

Explore the accounting infrastructure behind your product

Talk with us about platform fit, inspect the API surface, review deployment scope, or open the live NewLedger-powered demo environment.

API-First Delivery
Audit-Ready Controls
Sandbox And Guided Rollout
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