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Pricing

Move money from startup to scale

Startup

Get a powerful payment operations platform with simple pay-as-you-go pricing.

PAY-AS-YOU-GO PRICING
  • Get to market quickly
  • Pay for what you use with no commitments
  • We will find you a bank partner or connect your bank
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Enterprise

Flexible pricing for your business with all the enterprise features and support.

Custom Pricing
  • Volume and bundling discounts
  • Multiple bank connections
  • Predictable pricing as you scale
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Payments

Payments APIs for modern business workflows. The simplest way to move and track money over ACH, Wire, RTP and more.

Build custom payment flows

Our REST APIs make it easy to set up payment initiation flows tailored to your product.

Full visibility into returns

Track returned payments in real time using webhooks, and link them to the original payment automatically.

Easy one-time payments

The web app helps finance teams initiate one-off payments with payment order templates, scheduling, and CSV uploads.

Live payment status updates

Webhooks and email notifications provide complete visibility into all payments, returns, and reversals.

PlatformStartupEnterprise
User seatsUnlimitedUnlimited
API callsUnlimitedUnlimited
Multiple Bank AccountsGlobal, unlimitedGlobal, unlimited
Currencies SupportMultiple currenciesMultiple currencies
Audit LogsLimited to 90 days retentionUnlimited
API Docs and Sandbox AccessIncludedIncluded
FeaturesStartupEnterprise
Automatic Reconciliation
Expected Payments
Incoming Payment Details
Payments Dashboard
ApprovalsLimited to 1 ruleUnlimited
Role-based access controlPreset roles onlyUnlimited roles and custom permissions
CounterpartiesUnlimitedUnlimited
ReportingLimited to 5 reportsUnlimited
Continuous Accounting
NSF Protection
IntegrationsStartupEnterprise
Bank Connections (bank API connections)Limited to 1 connectionLimited to 3 connections, but customizable
Accounting Connections (connect ERP)Limited to 1 connectionUnlimited

Startup

+10¢ and .10% per transaction*
+ Annual Fee

Request a demo

Enterprise

All-inclusive annual fee

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Ledgers

A scalable database for the transactions and balances in your platform.

Account for transactions at the source

A source of truth for your transaction data. Create ledger entries directly from product flows the moment a transaction occurs.

Multiple payment methods and currencies

Link ledger transactions to reconciled payments and track balances in multiple currencies, including crypto.

Data integrity with built-in immutability

Ledgers is append-only: transactions can’t be deleted or overwritten once posted.

Double-entry ledgering

Ledgers uses double-entry to ensure consistency across all transactions.

ProductStartupEnterprise
Public API
Web dashboard
Idempotency
Immutability
Double-entry accounting
Push to warehouse
UsageStartupEnterprise
LedgersUp to 3Unlimited
Ledger TransactionsUp to 5,000 per monthCustom
Log retentionUp to 90 daysUnlimited
SupportStartupEnterprise
Email supportBasicPremium
Dedicated Customer Success Manager
On-demand videos and documentation
SLA
SecurityStartupEnterprise
Multi-factor Authentication
Security Certifications
Access to SOC 1 / SOC 2 reports

Startup

Free forever

5000 transactions/month

Get started for free

Enterprise

All-inclusive annual fee

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Virtual Accounts

Create and manage virtual accounts within your bank accounts via a simple API and web app.

Create virtual accounts programmatically

Issue virtual accounts to users, invoices, or other entities directly from your product with the Virtual Accounts API.

Detailed context on every payment

Each transaction includes Incoming Payment Details with bank data essential for accurate reconciliation, like virtual account numbers and transaction codes.

Manage payment returns easily

Create and reconcile returns against payments received by Virtual Accounts using the API or web app to simplify handling transaction disputes and errors.

One API for multiple payment methods

Receive payments directly into virtual accounts over ACH, Wire, and RTP through a single integration.

PlatformStartupEnterprise
User seatsUnlimitedUnlimited
API callsUnlimitedUnlimited
Multiple Bank AccountsGlobal, unlimitedGlobal, unlimited
Audit LogsLimited to 90 days retentionUnlimited
API Docs and Sandbox AccessIncludedIncluded
FeaturesStartupEnterprise
Automatic Reconciliation
Expected Payments
Incoming Payment Details
IntegrationsStartupEnterprise
Bank Connections (bank API connections)Limited to 1 connectionLimited to 3 connections, but customizable
Accounting Connections (connect ERP)Limited to 1 connectionUnlimited

Startup

+15¢ and .15% per transaction*
+ Annual Fee

Request a demo

Enterprise

All-inclusive annual fee

Talk to sales

Compliance

Get to market faster with AML compliance and fraud prevention built into payments from day one.

Integrated with payments

Avoid the hassle of integrating and managing multiple disparate solutions for compliance, fraud, and payment operations.

Compliant from day one

Stay compliant with BSA/AML rules with our KYC identity verification and transaction monitoring features.

Minimize fraud

Turn on transaction monitoring on all payments to catch fraud and suspicious behavior.

Streamline manual reviews

Make compliance decisions faster with flexible case management workflows.

Early Access

Compliance is currently in Early Access. Request access to learn more about pricing.

Startup Price Calculator

Get the full payment operations platform with simple, pay-as-you-go pricing

10¢ + .10%per transaction

15¢ + .15%per transaction

Estimated

$0

Custom Enterprise Plans

We'll work with your team to develop the right pricing model for your business.

Predictable pricing as you scale

Volume and bundling discounts

Multiple bank connections

Advanced functionality and more bank connections

Flexibility and customizability

Custom solutions to perfectly fit your needs

Frequently Asked Questions

What is a reconciled payment?

A reconciled payment is a payment that you have initiated (Payment Order), received (Expected Payment), or processed (Returns, Paper Items) that has automatically reconciled to a transaction on your bank statement.

Does Modern Treasury offer volume discounts?

We are able to offer volume discounts as part of our Enterprise Pricing.

What is the cancellation policy?

On the Startup Plan, it is free to cancel in the first seven days. After that, our cancellation policy is month to month, subject to our terms of service. On the Enterprise Plan, the cancellation policy is based on your contract terms.

How will the platform fee be charged if I use multiple products in the Startup plan?

There is no separate platform fee for the Ledgers product. If you’re using both the Payments and Virtual Accounts products, you will only be charged the platform fee once.

Are bank fees charged separately?

Yes, your bank partner will charge you separately for their payments and treasury services.

Can I buy each product on a different plan?

Yes you can purchase each product on a separate plan if you wish. For example, you can purchase Ledgers on the Startup plan and Payments and Virtual Accounts on the Enterprise Plan.

What level of support do you offer?

Technical documentation about our API can be accessed via this Quickstart Guide and API reference. We also have a Help Center with articles about our web platform. If you have any questions, our Customer Support team is available to assist you Monday-Friday 9am-6pm Pacific Time, excluding US holidays. Please reach out to us at support@moderntreasury.com or submit a request online.

What is a Ledger transaction?

For the purposes of pricing, we count each created ledger transaction object.

Can I buy and use Ledgers as a standalone product?

Yes - you don’t have to sign up for Payments to use Ledgers and vice-versa.

Does Ledgers offer volume discounts?

We are able to offer volume discounts as part of our Enterprise Pricing.

What is the cancellation policy?

On the Startup Plan, it is free to cancel in the first seven days. After that, our cancellation policy is month to month, subject to our terms of service. On the Enterprise Plan, the cancellation policy is based on your contract terms.

Do I need to reach out to sales if I’m only using the free transactions on the Startup tier?

Reach out to sales if you are planning to use Ledgers in production. We will also be happy to help with the best chart of accounts setup for your business.

How many virtual accounts can I create?

Modern Treasury can support as many virtual accounts as your bank partner provides. During onboarding, we just need to know the range of account numbers provisioned by your bank within your master account.