One Platform for Bank Payments Globally

Send, receive, and reconcile payments over any payment method, including ACH, wires, and RTP.

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Automate payments from initiation to reconciliation

Custom payment flows

Create automated flows tailored to your product using flexible, powerful REST APIs.

Full visibility into returns

Track returned payments in real-time and automatically link them to the original payment.

Easy one-time payments

Initiate payments in the web app using payment order templates, scheduling, and CSV uploads.

Live payment status updates

Receive payment status updates with web-hooks and email notifications.

“Our payment operations pretty much run on autopilot today. The only manual process is someone on the finance team logging into the app once a day to see if there have been any returns.”
Lukas Wagner · CFO at Pipe
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Features

Automation and controls that make real-time finance a reality

Accelerate your company’s payments operations with unprecedented efficiency, control, and visibility.

Counterparty verification and onboarding

Simplify onboarding and validation with powerful, custom workflows.

Whitelabeled forms

Securely collect bank account details, taxpayer IDs, and other information.

Authentication options

Validate bank account details with Plaid, micro-deposits, and pre-notes.

NSF protection

Eliminate ACH returns with NSF checks before debiting a counterparty.

Counterparty management

Manage and store sensitive counterparty information in a secure platform.

Features

A source of truth for your money movement

Automation, control, and transparency unified in a single platform.

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Unlock real-time finance with reconciliation

Our reconciliation engine automates cash reconciliation across banks, processors, and internal business objects to save you time and keep your operations running smoothly at scale.

Centralize your financial data

Our platform integrations unify and normalize data across banks and payment processors to provide a single pane of glass for your entire financial operation.

Modern Treasury dashboard with sections pulled out visually.

Integrations so you can move faster

Get started faster with secure connections that help you operate more efficiently.

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How It Works

A payments platform to streamline your business

Automate money movement at scale. Simplify workflows with centralized and connected financial data.

Use our 20+ direct bank integrations to connect your bank account to Modern Treasury.

Send and receive payments via ACH, wire, RTP, check, and more. Build automated payment flows using the API or initiate one-off payments by hand in the web dashboard.

Set up approval rules and user permissions. Trigger webhooks to track payments across the full lifecycle: from payment creation to approval, processing, reconciliation, and more.

Streamline your payment workflow from end-to-end by automating onboarding, payment checkout, reconciliation, and month-end accounting.

ACH, RTP, and Wire on lines with dots illustrating movement.

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An infinity symbol tying together a gear symbol with money and a checkmark.

Try Modern Treasury and experience the future of money movement.

Connect with our team of experts to learn how Modern Treasury can move your business forward.

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Outdoorsy

shipped faster payouts in two days with Modern Treasury.

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A Single Source of Truth

APIs and dashboards to move money faster and more transparently

Our payments platform and ledger database unify data from internal systems and payment providers to simplify your operations in a single source of truth.