Payments APIs for modern business workflows. The simplest way to move and track money over ACH, Wire, RTP and more.
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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
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
Payments
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.
| Platform | Startup | Enterprise |
|---|---|---|
| User seats | Unlimited | Unlimited |
| API calls | Unlimited | Unlimited |
| Multiple Bank Accounts | Global, unlimited | Global, unlimited |
| Currencies Support | Multiple currencies | Multiple currencies |
| Audit Logs | Limited to 90 days retention | Unlimited |
| API Docs and Sandbox Access | Included | Included |
| Features | Startup | Enterprise |
|---|---|---|
| Automatic Reconciliation | ||
| Expected Payments | ||
| Incoming Payment Details | ||
| Payments Dashboard | ||
| Approvals | Limited to 1 rule | Unlimited |
| Role-based access control | Preset roles only | Unlimited roles and custom permissions |
| Counterparties | Unlimited | Unlimited |
| Reporting | Limited to 5 reports | Unlimited |
| Continuous Accounting | ||
| NSF Protection |
| Integrations | Startup | Enterprise |
|---|---|---|
| Bank Connections (bank API connections) | Limited to 1 connection | Limited to 3 connections, but customizable |
| Accounting Connections (connect ERP) | Limited to 1 connection | Unlimited |
Payments PricingRequest a demoTalk to sales*Monthly transaction cost usually does not exceed the platform fee
Startup
$499 Monthly platform fee
+10¢ and .10% per transaction*
Enterprise
All-inclusive annual fee
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.
| Platform | Startup | Enterprise |
|---|---|---|
| User seats | Unlimited | Unlimited |
| API calls | Unlimited | Unlimited |
| Audit Logs | Limited to 90 days retention | Unlimited |
| API Docs and Sandbox Access | Included | Included |
| Features | Startup | Enterprise |
|---|---|---|
| Web dashboard | ||
| Ledgers | Up to 3 | Unlimited |
| Ledger Accounts | Unlimited | Unlimited |
| Double-entry architecture | ||
| Idempotency | ||
| Immutable, append-only ledger | ||
| Concurrency control | ||
| Custom currencies | ||
| Payments integration | ||
| Virtual Accounts integration | ||
| Data push to warehouse |
Ledgers PricingRequest a demoTalk to sales
Startup
Free for the first 1000 transactions
10¢ per transaction
Enterprise
All-inclusive annual fee
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.
| Platform | Startup | Enterprise |
|---|---|---|
| User seats | Unlimited | Unlimited |
| API calls | Unlimited | Unlimited |
| Multiple Bank Accounts | Global, unlimited | Global, unlimited |
| Audit Logs | Limited to 90 days retention | Unlimited |
| API Docs and Sandbox Access | Included | Included |
| Features | Startup | Enterprise |
|---|---|---|
| Automatic Reconciliation | ||
| Expected Payments | ||
| Incoming Payment Details |
| Integrations | Startup | Enterprise |
|---|---|---|
| Bank Connections (bank API connections) | Limited to 1 connection | Limited to 3 connections, but customizable |
| Accounting Connections (connect ERP) | Limited to 1 connection | Unlimited |
Virtual Accounts PricingRequest a demoTalk to sales*Monthly transaction cost usually does not exceed the platform fee
Startup
$499 Monthly platform fee
+15¢ and .15% per transaction*
Enterprise
All-inclusive annual fee
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.
Compliance PricingRequest access
Early Access
Compliance is currently in Early Access. Request access to learn more about pricing.
Startup
Get the full payment operations platform with simple, pay-as-you-go pricing
Payments
$499/mo Platform Fee
10¢ + .10% per transaction
Virtual Accounts
$499/mo Platform Fee
15¢ + .15% per transaction
Ledgers
10¢ per transaction
(1st 1000 transactions free)
Estimated*
$0 /moEnterprise
We'll work with your team to develop the right pricing model for your business.
- Volume and bundling discounts
- Advanced functionality and more connections
- Custom solutions to perfectly fit your needs
Contact us for a custom quote
Talk to salesFrequently 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.