Embed Pay-Ins and Payouts With Modern Treasury Payments

Embedded payments infrastructure is the API layer that allows software platforms to collect, hold, and disburse funds on behalf of their customers — without becoming a bank or building payment rails themselves. Platforms use it to launch pay-in and payout capabilities directly inside their product experience.

Modern Treasury supports ACH debit and credit, RTP, FedNow, wire, push-to-card, and stablecoin rails — all through a single payment order API. Platforms choose the rail per payment; the integration doesn’t change.

Modern Treasury handles KYB/KYC on the platform’s behalf via the Legal Entity API. Platforms submit business details — name, EIN, address, beneficial owners — and Modern Treasury runs compliance checks automatically. Clean records typically verify in seconds; results return via webhook.

Modern Treasury reconciles returned payments — including R01, R03, and other NACHA return codes — automatically back to the originating payment order. Platforms don’t need to build manual matching logic or maintain a separate reconciliation layer.

Most platforms are processing payments in sandbox within days of signing up. Modern Treasury provides direct bank relationships — no 6–8 week bank onboarding, no sponsor bank program to manage. The full integration from sandbox to production typically takes weeks, not months.