Modulr

Modulr is a United Kingdom-based embedded payments and Banking-as-a-Service platform that lets businesses and software platforms open programmable eMoney accounts and move money automatically via a single API. As a licensed e-money institution and direct participant in the UK Faster Payments and Bacs schemes (with SEPA reach in the EU through its Dutch entity), Modulr provides the underlying accounts, payment rails, card issuing, and Open Banking connectivity that fintechs, payroll providers, lenders, marketplaces, and travel and accounting platforms embed into their own products. Its REST API covers account creation, inbound and outbound payments (including bulk, batch, future-dated and SWIFT international), virtual and physical card issuing, Bacs Direct Debit collection, KYC/KYB customer onboarding, Confirmation of Payee and Verification of Payee, Payment Initiation Services and Variable Recurring Payments under Open Banking, plus a rich webhook notification layer. Modulr is API-native: it publishes a genuine public developer portal on ReadMe with reference docs and a downloadable OpenAPI 3.1 definition, and offers a self-serve sandbox.

Modulr publishes 9 APIs on the APIs.io network, including Accounts API, Payments API, Cards API, and 6 more. Tagged areas include Payments, United Kingdom, Banking-as-a-Service, Embedded Finance, and Payment Processing.

The Modulr catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Modulr’s developer surface includes authentication, documentation, API reference, getting-started guide, changelog, pricing, engineering blog, and 29 more developer resources.

🌐 Visit website 📡 Source on GitHub
52.7/100 developing ▬ flat Agent 87/100 agent native Full breakdown ↓
scored 2026-07-27 · rubric v0.5
9 APIs 1 MCP Servers
PaymentsUnited KingdomBanking-as-a-ServiceEmbedded FinancePayment ProcessingAccount-to-AccountOpen BankingFaster PaymentsCard IssuingDirect DebitConfirmation of PayeeVariable Recurring Payments

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 52.7/100 · developing
Contract Quality 15.1 / 25
Developer Ergonomics 16.1 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 8.6 / 13
Governance 0.0 / 12
Discoverability 10.0 / 10
Agent readiness — 87/100 · agent native
Machine-Readable Contract 18 / 18
Agentic Access Contract 15 / 15
MCP Server 12 / 12
Machine-Readable Auth 10 / 10
Idempotency 9 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 7
Typed Event Surface 6 / 6
Agent Skills 5 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/modulr: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 9

Individual APIs this provider publishes, each with its own machine-readable definition.

Modulr Accounts API

Create, retrieve, edit, block/unblock and close programmable eMoney accounts, manage access groups and account rules, and read balances — the core account fabric of the Modulr p...

Modulr Payments API

Initiate outbound, inbound, bulk, batch and future-dated payments over UK Faster Payments and Bacs, plus international SWIFT payments, with transaction retrieval and reconciliat...

Modulr Cards API

Issue and manage virtual and physical cards, including tokenization, PIN management, card controls, transactions, secure card-detail retrieval and bulk card operations.

Modulr Direct Debits API

Set up and manage UK Bacs Direct Debit mandates and collections, outbound mandate operations and indemnity claims for recurring collection use cases.

Modulr Customers API

Create and verify customers, run KYC/KYB onboarding, manage associates and tax identifiers, and upload supporting documents for compliance.

Modulr Payee Verification API

Confirmation of Payee (CoP) and Verification of Payee (VoP) account name checking to reduce misdirected-payment and APP fraud risk before payments are sent.

Modulr Payment Initiation API

Open Banking Payment Initiation Services (PIS) — initiate immediate account-to-account payments and standing orders from a payer's bank account through connected ASPSPs.

Modulr Variable Recurring Payments API

Consumer and commercial Variable Recurring Payments (VRP) — manage consents and execute recurring account-to-account payments under Open Banking.

Modulr Notifications API

Configure partner- and customer-level webhook subscriptions for account, payment, customer, compliance and Direct Debit events, and retrieve failed webhook deliveries.

Scroll for all 9

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

modulr-mcp.yml

MCP SERVER

Rate Limits 1

Documented rate limits and quota policies.

Modulr Rate Limits

2 limits

RATE LIMITS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Modulr Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Modulr Authentication

apiKey · 2 schemes

SECURITY

Modulr Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Modulr Agentic Access

207 operations · 136 acting · 4 human-in-the-loop

207 operations · 136 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 GettingStarted
GettingStarted
 Sandbox
Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference
 OpenAPI
OpenAPI

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess
AgenticAccess
 LLMsTxt
LLMsTxt
 MCPServer
MCPServer
 AgentSkill
AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 Idempotency
Idempotency
 ErrorCatalog
ErrorCatalog
 Lifecycle
Lifecycle
 Conformance
Conformance
 Webhooks
Webhooks
 DataModel
DataModel

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 ToolCrosswalk
ToolCrosswalk
 Packages
Packages
 SDKs
SDKs
 DeclineCodes
DeclineCodes

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Authentication
Authentication
 Authentication
Authentication

Operate 5

Status, limits, changes, and where to get help

StatusPage
StatusPage
 HelpCenter
HelpCenter
 ChangeLog
ChangeLog
 ChangeLog
ChangeLog
 RateLimits
RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Pricing
Pricing
 PrivacyPolicy
PrivacyPolicy

Company 3

The organization behind the API

Website
Website
 LinkedIn
LinkedIn
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Overlay
Overlay

Source (apis.yml)

apis.yml Raw ↑ 
aid: modulr
url: https://raw.githubusercontent.com/api-evangelist/modulr/refs/heads/main/apis.yml
name: Modulr
kind: company
description: 'Modulr is a United Kingdom-based embedded payments and Banking-as-a-Service platform that lets businesses and
  software platforms open programmable eMoney accounts and move money automatically via a single API. As a licensed e-money
  institution and direct participant in the UK Faster Payments and Bacs schemes (with SEPA reach in the EU through its Dutch
  entity), Modulr provides the underlying accounts, payment rails, card issuing, and Open Banking connectivity that fintechs,
  payroll providers, lenders, marketplaces, and travel and accounting platforms embed into their own products. Its REST API
  covers account creation, inbound and outbound payments (including bulk, batch, future-dated and SWIFT international), virtual
  and physical card issuing, Bacs Direct Debit collection, KYC/KYB customer onboarding, Confirmation of Payee and Verification
  of Payee, Payment Initiation Services and Variable Recurring Payments under Open Banking, plus a rich webhook notification
  layer. Modulr is API-native: it publishes a genuine public developer portal on ReadMe with reference docs and a downloadable
  OpenAPI 3.1 definition, and offers a self-serve sandbox.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United Kingdom
- Banking-as-a-Service
- Embedded Finance
- Payment Processing
- Account-to-Account
- Open Banking
- Faster Payments
- Card Issuing
- Direct Debit
- Confirmation of Payee
- Variable Recurring Payments
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: modulr:modulr-accounts-api
  name: Modulr Accounts API
  description: Create, retrieve, edit, block/unblock and close programmable eMoney accounts, manage access groups and account
    rules, and read balances — the core account fabric of the Modulr platform.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Accounts
  - eMoney
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
- aid: modulr:modulr-payments-api
  name: Modulr Payments API
  description: Initiate outbound, inbound, bulk, batch and future-dated payments over UK Faster Payments and Bacs, plus international
    SWIFT payments, with transaction retrieval and reconciliation.
  humanURL: https://modulr.readme.io/docs/payments-2
  baseURL: https://api.modulrfinance.com
  tags:
  - Payments
  - Faster Payments
  - SWIFT
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: APIReference
    url: https://modulr.readme.io/reference
- aid: modulr:modulr-cards-api
  name: Modulr Cards API
  description: Issue and manage virtual and physical cards, including tokenization, PIN management, card controls, transactions,
    secure card-detail retrieval and bulk card operations.
  humanURL: https://modulr.readme.io/reference
  baseURL: https://api.modulrfinance.com
  tags:
  - Cards
  - Card Issuing
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: APIReference
    url: https://modulr.readme.io/reference
- aid: modulr:modulr-direct-debits-api
  name: Modulr Direct Debits API
  description: Set up and manage UK Bacs Direct Debit mandates and collections, outbound mandate operations and indemnity
    claims for recurring collection use cases.
  humanURL: https://modulr.readme.io/reference
  baseURL: https://api.modulrfinance.com
  tags:
  - Direct Debits
  - Bacs
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: APIReference
    url: https://modulr.readme.io/reference
- aid: modulr:modulr-customers-api
  name: Modulr Customers API
  description: Create and verify customers, run KYC/KYB onboarding, manage associates and tax identifiers, and upload supporting
    documents for compliance.
  humanURL: https://modulr.readme.io/docs/customer
  baseURL: https://api.modulrfinance.com
  tags:
  - Customers
  - KYC
  - Onboarding
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: APIReference
    url: https://modulr.readme.io/reference
- aid: modulr:modulr-verification-api
  name: Modulr Payee Verification API
  description: Confirmation of Payee (CoP) and Verification of Payee (VoP) account name checking to reduce misdirected-payment
    and APP fraud risk before payments are sent.
  humanURL: https://modulr.readme.io/reference
  baseURL: https://api.modulrfinance.com
  tags:
  - Confirmation of Payee
  - Verification of Payee
  - Fraud
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: APIReference
    url: https://modulr.readme.io/reference
- aid: modulr:modulr-payment-initiation-api
  name: Modulr Payment Initiation API
  description: Open Banking Payment Initiation Services (PIS) — initiate immediate account-to-account payments and standing
    orders from a payer's bank account through connected ASPSPs.
  humanURL: https://modulr.readme.io/reference
  baseURL: https://api.modulrfinance.com
  tags:
  - Payment Initiations
  - Open Banking
  - Account-to-Account
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: APIReference
    url: https://modulr.readme.io/reference
- aid: modulr:modulr-variable-recurring-payments-api
  name: Modulr Variable Recurring Payments API
  description: Consumer and commercial Variable Recurring Payments (VRP) — manage consents and execute recurring account-to-account
    payments under Open Banking.
  humanURL: https://modulr.readme.io/reference
  baseURL: https://api.modulrfinance.com
  tags:
  - Variable Recurring Payments
  - Open Banking
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: APIReference
    url: https://modulr.readme.io/reference
- aid: modulr:modulr-notifications-api
  name: Modulr Notifications API
  description: Configure partner- and customer-level webhook subscriptions for account, payment, customer, compliance and
    Direct Debit events, and retrieve failed webhook deliveries.
  humanURL: https://modulr.readme.io/docs/notifications-1
  baseURL: https://api.modulrfinance.com
  tags:
  - Notification
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/modulr-api.json
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
  - type: APIReference
    url: https://modulr.readme.io/reference
common:
- type: AgenticAccess
  url: agentic-access/modulr-agentic-access.yml
- type: DomainSecurity
  url: security/modulr-domain-security.yml
- type: Authentication
  url: authentication/modulr-authentication.yml
- type: Website
  url: https://www.modulrfinance.com/
- type: DeveloperPortal
  url: https://modulr.readme.io/
- type: Documentation
  url: https://modulr.readme.io/docs/intro
- type: APIReference
  url: https://modulr.readme.io/reference
- type: GettingStarted
  url: https://modulr.readme.io/docs/getting-started
- type: Authentication
  url: https://modulr.readme.io/docs/authentication
- type: OpenAPI
  url: openapi/modulr-api.json
- type: GitHubOrganization
  url: https://github.com/Modulr-finance
- type: LinkedIn
  url: https://www.linkedin.com/company/modulr-finance
- type: StatusPage
  url: https://status.modulrfinance.com/
- type: HelpCenter
  url: https://knowledge.modulrfinance.com/knowledge-hub
- type: ChangeLog
  url: https://modulr.readme.io/changelog
- type: Pricing
  url: https://www.modulrfinance.com/pricing
- type: Blog
  url: https://www.modulrfinance.com/blog
- type: PrivacyPolicy
  url: https://www.modulrfinance.com/privacy-policy
- type: LLMsTxt
  url: llms/modulr-llms.txt
- type: MCPServer
  url: mcp/modulr-mcp.yml
- type: ToolCrosswalk
  url: mcp/modulr-tool-crosswalk.yml
- type: Packages
  url: packages/modulr-packages.yml
- type: SDKs
  url: packages/modulr-packages.yml
- type: Conventions
  url: conventions/modulr-conventions.yml
- type: Idempotency
  url: conventions/modulr-conventions.yml
- type: ErrorCatalog
  url: errors/modulr-problem-types.yml
- type: DeclineCodes
  url: errors/modulr-decline-codes.yml
- type: Lifecycle
  url: lifecycle/modulr-lifecycle.yml
- type: Sandbox
  url: sandbox/modulr-sandbox.yml
- type: ChangeLog
  url: changelog/modulr-changelog.yml
- type: Conformance
  url: conformance/modulr-conformance.yml
- type: Webhooks
  url: asyncapi/modulr-webhooks.yml
- type: RateLimits
  url: rate-limits/modulr-rate-limits.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Overlay
  url: overlays/modulr-api-overlay.yaml
- type: DataModel
  url: data-model/modulr-data-model.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com