Embed Pay-Ins and Payouts With Modern Treasury Payments

Your customer authorizes a debit inside your product, and the funds settle into an account Modern Treasury provisions for your platform. From there you create payment orders to pay out over ACH, same-day ACH, RTP, FedNow, wire, push-to-card, check, or stablecoins, choosing the rail per payment. Returns post back to the originating payment order with the return code, and every movement is reported through the API and the dashboard. You never onboard with a bank or run a sponsor bank program; Modern Treasury holds the bank relationships as your payment service provider.

ACH (standard and same-day), RTP, FedNow, wire, push-to-card, checks, and stablecoins, all through one API. Pick the rail per payment order, so a time-sensitive payout can go RTP while the scheduled batch goes same-day ACH.

Returns post back to the original payment order automatically, with the return code, so your records and your customer’s balance update without manual matching. Insufficient funds (R01) is the most common return on platform debits. Modern Treasury sends it to you by webhook as soon as it arrives, so your product can retry, notify the customer, or hold the payout. To keep return rates down, validate account details before the first debit and stop retrying accounts that come back R02, R03, or R04.

Modern Treasury runs the KYC and KYB program to meet its obligations to its Partner Bank. Your platform completes KYB with Modern Treasury, and Modern Treasury also verifies each customer you open an account for, using the information you collect and submit. You don’t build a bank-grade compliance program to get started.

No. Use Our Bank Partners and launch with no bank onboarding required. If you already have a bank relationship you need to keep, Bring Your Own Bank runs on the same API, so nothing you build is a dead end either way.

Use a payment service provider that already holds the bank relationships. With Modern Treasury, KYB takes days and you launch in days, not months. Platforms that go direct to a bank wait months for their first live payment.