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How It Works

One Tool for the Complete Lifecycle of Payments

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Platform Overview

The payments operating system engineered for scale

Bank payments API

Programmatic money movement in 12+ rails and 50+ currencies.

Ledger database

A source of truth for all of money movement.

Virtual accounts

Reconcile incoming funds at scale and with full detail.


A central node to orchestrate payments across your stack.

Fraud detection

Embedded fraud and suspicious behavior detection.


Real-time, comprehensive checks at onboarding.

Unified dashboards

A single pane of glass into your cash positions.


Always-on visibility for real-time status on money movement.

How It Works

A payments platform to level up your business

Move money automatically at speed and scale. Simplify workflows with centralized and connected financial data.

Use our 30+ direct bank integrations to connect Modern Treasury. Unify account access to one API and dashboard and centralize your business’s financial data.

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One system, many teams

Our App and API work from the same data, allowing you to create complex workflows.

Initiate a payment via API

Build automated, scalable payment flows that are tailored to your product

Approve the payment in the web app

Approve based on amount, bank account, or custom metadata filters

Dispatch a notification via the API

Automate notifications in real-time as payments are made.

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

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