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Payments Infrastructure that Scales
Unlock interest revenue, scale faster, and regain control by integrating directly with your bank and reducing dependency on legacy tools.
Centralize. Automate. Earn.
Faster payouts
Payout directly from your bank account and remove intermediaries.
Earn money on float
Process payments with money sitting in interest-bearing accounts at your current bank.
Centralize financial data
Reconcile and ledger transactions from bank and non-bank data sources.
Build new payment experiences
Build digital wallets, escrow, and automatic payout experiences with a modern API.
ClassPass scaled programmatic payouts to tens of thousands of studios with Modern Treasury
Power complex payment operations
Modern Treasury is a complete infrastructure partner for marketplaces to design bespoke fund flows and payment processes.
Seller payouts
Payout 2x-3x faster by using ACH, wires, RTP and FedNow.
Buyer pay-ins
Accept payments via ACH, wires, RTP, and FedNow.
Ledgering balances
Display buyer and seller balances from a central double-entry database.
Unified reconciliation
Reconcile bank-initiated payments and non-bank sources like Stripe.
Escrow
Hold funds for users in interest-bearing accounts.
Bank integrations
Integrate with global bank partners quickly.
Attribution of incoming funds
Give buyers and sellers real-time status on incoming wires and ACH payments.
FBO accounts
Manage funds on behalf of your sellers and buyers.