Modulr
Modulr — UK and EU payments-as-a-service platform offering BACS, Faster Payments, SEPA, and virtual account APIs for fintechs.
Our Verdict
Top UK/EU payments-as-a-service for fintechs needing bank rails and virtual accounts — not card acquiring.
Pros
- BACS, Faster Payments, and SEPA in one API
- Virtual accounts for segregated funds
- UK and EU regulatory coverage
- Purpose-built for fintech embedded use cases
Cons
- UK and EU scope — no broader global
- Not a card acquirer
- Compliance lift to onboard as agent
- Historical FCA scrutiny tempered growth
When to Use Modulr
Good fit if you need
- Faster Payments, BACS, and SEPA API for UK/EU fintech payment products
- Virtual account issuance for UK e-money institutions and neobanks
- Payment-as-a-service infrastructure for UK fintech building payment flows
- Automated payroll and disbursement via Modulr for UK HR or gig platforms
Pricing
Price wrong?Modulr Pricing
- Pricing Model
- custom
- Free Tier
- No
- Entry Price
- —
- Enterprise Available
- No
- Transparency Score
- —
Beta — estimates may differ from actual pricing
Estimated Monthly Cost
$25
Estimated Annual Cost
$300
Estimates are approximate and may not reflect current pricing. Always check the official pricing page.
Lock-in Assessment
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