Our landmark annual report is here.Read the State of Payment Operations 2022
Build products
that move money
Modern Treasury’s payment operations platform and flexible APIs enable you to add money movement and tracking to your products without the heavy lifting.
Over$5BReconciled Monthly
Trusted by fast-growing companies in the economy’s most important sectors.
Money’s Next Move
It’s 2022, and financial services are at an inflection point. It’s natural to have questions. We did too. So, Modern Treasury and Harris Poll conducted a survey where financial and product execs revealed the current issues they face while managing payment operations.
Our Products
There's a lot more to money movement than just moving money. Our APIs automate money movement at scale, including bank integration, payments, and reconciliation, while the web app provides complete control over fund flows with approval workflows, notifications, reporting, and more.
Move money faster
We integrate directly with your bank instead of sitting in the flow of funds, so payments move 2x faster. Set up approval rules and track payments from initiation to reconciliation, with support for ACH, RTP, Wire and global payment methods through a single API and web app.
Reconcile payments automatically
We automatically reconcile completed payments to transactions on your bank statement as they are posted and match returns and reversals to the original payment, streamlining cash reconciliation. Our Virtual Accounts product makes it easy to create and manage unique sub-accounts within your bank account to automate attributing incoming payments.
Track balances in real time
We make it easy for products that move money at scale to track balances in real time with Ledgers, a managed database optimized for high volume financial transactions that can be integrated in a few lines of code. Ledgers is immutable, idempotent, and auditable, providing a reliable source of truth for all transactions taking place in your product.
Use Cases
Use our flexible, scalable platform to move and track money however your product needs.
Automatic Payouts
Automate payouts and reconciliation at scale for multiple payment methods through a single API.
Incoming Payments
Streamline receiving and reconciling incoming payments with Virtual Accounts, automated notifications and reporting.
Direct Debits
Manage direct debits at scale with bank account verification, NSF checks and real-time payment statuses.
Cash Management
Simplify funds segregation and custody, and initiate book transfers across multiple bank accounts.
Digital Wallets
Create a digital wallet experience from scratch—issue account numbers, track balances, and initiate and receive payments.
Investing Operations
Fund investment accounts, track assets, and manage withdrawals with APIs and software.
Loan Servicing
Automate disbursals, track loan balances and instantly reconcile loan repayments to scale lending operations.
Fiat On-Ramp
Convert fiat to crypto in your app with APIs for ACH debits, withdrawals and incoming wire reconciliation.
Made for developers
Integrate Modern Treasury with REST APIs and webhooks. Our platform abstracts the complexity of bank integration, payment initiation and reconciliation, and balance tracking so that you can focus on your product.
With our APIs you can:
curl --request POST \
-u ORGANIZATION_ID:API_KEY \
--url https://app.moderntreasury.com/api/counterparties \
-H 'Content-Type: application/json' \
-d '{
"name": "Kenner, Bach & Ledeen",
"accounts": [{
"account_type": "checking",
"routing_details": [{
"routing_number_type": "aba",
"routing_number": "026009593"
}],
"account_details": [{
"account_number": "123456789"
}]
}]
}'
All your bank accounts in one place
Our partnerships with leading commercial banks enable us to integrate directly with their core systems, helping you manage access to bank accounts, payments, transactions, cash balances and more through a single portal and API.
