Ruba product infrastructure

Reconcile each sale before money moves

Trace gross payment, tax, fees, refunds, disputes, balance, and payout in one ledger.

The number available for withdrawal is the end of a trace, not a black box. Every deduction remains attached to the transaction that caused it.

Live ledger engine

From customer payment to available balance

A completed order enters the ledger at gross value. Ruba then identifies tax held for remittance and all applicable platform or network costs before the seller balance changes.

Customer paymentGross transaction

Tax obligationHeld for remittance

Platform and network costsItemized deductions

Seller balanceNet amount available

Current balance

See the amount that is eligible for payout now.

Ledger trace

Follow orders, refunds, disputes, and related fees chronologically.

Controlled withdrawal

Choose when funds leave Ruba for the connected account.

Visible deductions

Match every fee to the event that produced it.

Execution workflow

Withdrawal stays in your control

Connect the destination once, then move eligible funds when reconciliation is complete.

01
Connect an account
Complete the supported payout onboarding for the seller organization.
02
Accumulate balance
Orders settle into the seller ledger after tax and fees are identified.
03
Request payout
Withdraw manually when the balance meets the provider’s currency threshold.
04
Track the transfer
The payout becomes another ledger entry rather than disappearing from the history.

Capability matrix

Know where each charge comes from

Published Ruba pricing and provider pass-throughs remain separate in the record.

Ruba plan rate

Published pricing

The transaction uses the rate attached to the seller’s current Ruba plan.

Recurring payment

Terms-dependent

Any recurring-payment adjustment follows the seller’s applicable plan or legacy terms.

International card

+1.5%

Card-network and processor pass-through for a non-US card.

Refund

Full or partial

The original transaction fee is not returned by the payment networks.

Dispute

At cost

The actual dispute and related provider costs incurred for the case.

Payout

0.25% + $0.25

Applied when eligible seller funds are paid out.

The same ledger is available to your systems

Dashboard rows and API records describe the same finance activity, so an accounting workflow can import the ledger without scraping the UI. Customer currencies are converted for settlement while the original transaction context remains available for reconciliation.

Build with Ruba

Connect your payout account

Complete onboarding, review the ledger, and withdraw on your schedule.