Balanced is an integrated payments solution for online marketplaces. With the Balanced API, users can integrate a payments experience such as in Amazon for their own marketplace. Balanced allows users to bypass dealing with banking systems, compliance, fraud, and security. Additional functionality includes allowing users to hold funds up to seven days before transferring them to a marketplace and tokenizing cards and bank accounts on the client and associating the card securely with the user's Balanced account. The API uses RESTful calls and responses are formatted in JSON.