The one place to keep a business's money flowing

Automate and manage the full cycle of money movement—from payment and approvals to reconcilation and accounting—all from one app and API.
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Free to focus

Modern Treasury seamlessly preserves data so teams can confidently manage reconciliation, control approvals and spending, and conduct internal audits. We empower teams so they can focus on what matters: growing their business.

Move money however you want.

RTP
ACH
Wire
Check
Virtual Card

Fast and simple

Startup-ready flexibility

Ready for growth

A robust, scalable payment infrastructure means we’ll grow with you

Fewer moving pieces

One place for payments, approvals, reconciling, and monitoring

Quick integration

Go live in days, not months, with robust APIs or through our web app

Built-in expertise

Created by developers who have managed billions in money movement

Complete AND COMPREHENSIVE

Enterprise-level power

Unified focus

One API across all banks gives you a single point of implementation

Versatile control

Manage complex approval workflows with ease by creating rulesets

Better records

Keep data attached to transactions for complete, rigorous audit trail

Smart automation

Continuous accounting and reconciliation makes closing real-time

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curl --request POST \
  -u ORGANIZATION_ID:API_KEY \
  --url https://app.moderntreasury.com/api/payment_orders \
  -H 'Content-Type: application/json' \
  -d '{
  "type": "ach",
  "amount": 1000,
  "direction": "credit",
  "currency": "USD",
  "originating_account": "0f8e3719-3dfd-4613-9bbf-c0333781b59f",
  "receiving_account_id": "5acec2ef-987b-4260-aa97-b719eeb0a8d5"
}'

Build custom flows

Easily create payment flows to match your company’s needs

Implement our RESTful API with just a few lines of code and refine it in a complete test environment. With Modern Treasury, you don’t have to worry about NACHA files, using FTP, batch timings, or building to a bank core. We have it all covered.

Try Modern Treasury and see how smooth payment operations can be.