Rootline

Rootline sells payment acceptance and money movement to platforms through one API.

A buyer can pay by card, wallet or one of more than 20 local methods named on the site, among them iDEAL | Wero, Apple Pay and Google Pay, through a hosted checkout, an SDK or the full API, with terminal and point-of-sale links for in-person sales. Each payment is divided among merchants, partners and the platform as it happens, the platform sets the fees and markups it charges, and settlements to sub-accounts and payouts can run on a schedule.

The contracting entity is Rootline B.V., Chamber of Commerce number 83218025, with its office at Oosteinde 1 in Amsterdam. Its legal page calls it a payment service provider licensed by De Nederlandsche Bank.

Merchant money is kept apart in accounts of Rootline Foundation, a Dutch stichting set up to safeguard third-party funds, and the terms add that the balance account is not a bank account. Fees are written into each merchant agreement, with standard settlement within 7 calendar days of authorisation. The site names Preo, Orderli, Briq Bookings and Travel IP as customers; the DNB register entry, the founding year and any security certificate were not verified.

What Rootline does well

• Dutch company with a licence statement and a Chamber of Commerce number on its legal page
• Client money held in a separate foundation account, not on the operating balance sheet
• Platform decides its own fees, markups and payout timing
• Reconciliation view that shows interchange, scheme fees and margin per transaction
• Dutch law and Amsterdam courts in the terms

Where Rootline falls short

• No price list, fees only in the merchant agreement
• Founding year, team size and certifications are not published on the pages checked
• Sub-processor page names categories but no companies
• Standard settlement of up to 7 calendar days, extendable by Rootline

Standout feature. Rootline puts splits, fees, refunds, chargebacks and payouts into one transaction-level reconciliation, showing the platform its own margin next to the scheme costs.