Payments & finance command center
Every currency.
One command center.
Take card, Apple Pay and Klarna payments, see every bank and processor balance in one place, and run one business or ten from a single app — with an AI assistant that chases late payers, flags bills and prepares payouts for your approval.
Cross-border, in one view
Zurich to Singapore. Miami to Dubai. One screen.
See payment activity across every currency and every provider you work with — filter the whole platform by currency in one click, and let reconciliation tell you what each partner actually settled.
Currency lens
One click filters every screen to USD, EUR, CHF…
Smart routing
Rules by currency, country and amount.
Live reconciliation
Provider reports matched automatically.
Audit trail
Every action recorded, by whom and when.
The platform
Built for owners who have no time to spare
The operational work of an international business — routing, reconciling, answering “where is that money?” — handled in one calm place.
Orchestrate
Every provider, one operating layer
Route each payment to the right regulated provider by currency, country and amount — and change the rules without changing your integration.
Reconcile
Nothing trusted on faith
What was captured, refunded and charged in fees is matched line by line against what each provider actually reports. Differences surface on their own.
Your records
Provider report
Assistant
Speak to your finances
Ask by voice how the week went, why a settlement is short, or to prepare a payment request. It answers from your own data — and prepares, never executes, anything that moves money.
“Bill Atlas GmbH 1,200 euros for consulting.”
Prepared a €1,200 payment request. Nothing has moved yet — approve it when you’re ready.
Security
Two steps between intent and money
Every money action is reviewed, then confirmed with your passkey or authenticator. Each step is recorded in an audit trail you can show anyone.
- 1Review the prepared transaction
- 2Confirm with passkey or code
- 3Executed and recorded
How businesses use Clagus
Real days, fewer tasks
Example workflows — the kind of work Clagus takes off an owner’s plate.
A café with two card readers
- 17:45 — before opening, the owner sees yesterday's takings from both readers and the payout landing today.
- 2Supplier invoice for coffee beans due Friday: Clagus reminds on Wednesday.
- 3Card-machine sales and online orders land in the same view, reconciled against what the provider paid out.
A design studio that invoices clients
- 1On the way to a meeting: “Request 4,800 pounds from Acme for the brand project.”
- 2The assistant confirms who and how much, prepares a payment link; you approve with Face ID.
- 3Acme pays by card or Klarna. It's marked paid, the fee is reconciled, and the payout date appears in your forecast.
One owner, three companies
- 1One login. Swipe between the retail shop, the café and the studio.
- 2A combined cash position per currency: bank balances, money on its way, and bills due.
- 3“Which company is short next month?” — answered by voice, from your own numbers.
An online shop selling in four currencies
- 1Payments route by currency and country to the right provider.
- 2Every capture, refund and fee is matched against what the provider actually paid out.
- 3A regular customer paying late, or a spike in failed cards, is flagged before it becomes a problem.
Pricing
Your processor’s rates, plus 0.5%
You pay your payment provider’s standard rates directly, and 0.5% per payment for Clagus. Both appear on every payment — no hidden margins.
Example: a €100 card payment
- Payment provider fee (e.g. standard EU card)
- ≈ €1.75
- Clagus (0.5%)
- €0.50
- You receive
- ≈ €97.75
Provider fees vary by card type, country and method; they’re set by your provider, not Clagus.
Partner programme
Turn a cost into income
Payment fees are a cost for every business. Introduce the businesses you work with — suppliers, clients, partners — and earn 10% of Clagus’s fee on their payments for 24 months. The more you bring, the more your own costs are covered.
- 1
Share your link
Every business on Clagus gets a personal invitation link.
- 2
They join and get paid
They set up in minutes and take payments as usual.
- 3
You earn
10% of Clagus's fee on their payments, settled every quarter. Example: introduced businesses taking €200,000 a month earn you about €300 a quarter.
Orchestration, not custody
Clagus Solutions never holds your funds.
Clagus Solutions is a technology orchestration platform. It connects your business to regulated, licensed banking and payment partners and coordinates the work between them. Funds move through those partners, never through Clagus Solutions — and every payment, refund and fee is reconciled against what each partner actually reports.
Card data never touches Clagus
Checkout runs on your provider's hosted fields; Clagus only sees tokens.
Two-step approvals
Money actions need a review and a passkey or authenticator confirmation.
Full audit trail
Every login, approval and change is recorded and attributable.
Questions
+Is Clagus a bank or a payment provider?
No. Clagus is the software you run your payments and finances from. Payments are processed by licensed providers such as Stripe, and bank balances are read through a licensed open-banking provider. Clagus never holds your money.
+Which payment methods can my customers use?
Cards, Apple Pay, Google Pay, Klarna (pay later) and bank payments such as SEPA — whatever your payment provider supports in your country. In-person card-machine sales appear alongside your online payments.
+What does it cost?
You pay your payment provider's standard rates, plus 0.5% per payment for Clagus. Both appear on every payment, so you always know what you paid.
+Can I see all my bank accounts in one place?
Yes. Connect your business bank accounts read-only (you approve it in your bank's own app) and see every balance next to your payment provider balances, with a 30-day cash forecast.
+I run more than one business. Can I use one login?
Yes. Switch between businesses in one tap, or see all of them together — cash, sales and bills due — per currency.
+How does the partner programme work?
Introduce businesses you work with. When they join through your link, you earn 10% of Clagus's fee on their payments for 24 months, settled every quarter — so the businesses you bring in help cover your own costs.
+Is it secure?
Every money action needs a review and a second confirmation with Face ID, a passkey or your authenticator. Two-factor sign-in is required for everyone, card details never reach Clagus, and every action is recorded in an audit trail.
Your business, without borders.
For owners who run one business or several — shops, cafés, studios, online stores, international traders — and want one calm, intelligent place to get paid and run the money side of the business.