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 26 API contracts indexed on the APIs.io network, including Access Group API, Accounts API, Async API, and 23 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 and 1 Spectral governance ruleset.

Modulr’s developer surface includes engineering blog, authentication, documentation, API reference, getting-started guide, changelog, pricing, and 33 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

63.1/100 strong ▲ 6.0 Agent 52/100 agent native Front door AI 1/6 silent Heartbeat 65/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaid

1 published contract 1 MCP Servers 5 Agent Skills

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

What this lets a business do 3

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

CardsChannel Manager CardConfirmation of PayeeDirect Debit Outbound Mandate OperationsDirect DebitsFile Upload

POST /payment-initiations POST /payments POST /batchpayments POST /vrp

Banking Customer Management

BC-1300

Customers

Deposits & Savings Management

BC-1330

Accounts

POST /customers/{customerId}/accounts POST /accounts/{accountId}/close POST /accounts/{accountId}/block

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 63.1/100 · strong

Contract Quality 10.8 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 9.1 / 15

Operational Transparency 6.2 / 10

Contract Governance 1.6 / 9

Discoverability 5.6 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 3.3 / 10

Agent readiness — 52/100 · agent native

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 4 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified)
Agentic Commerce Well-Known Document +5 pts — a parsing /.well-known/ucp.json or acp.json declaring a version and at least one service, OR (0.27) a live x402 payment challenge from _data/x402-adoption.json — `self` when its endpoints are on the provider's own domain, `platform` when they are on a vendor's
Well-Known Catalog +4 pts — common[].type includes WellKnown, APICatalog, or api-catalog

1 more unmet check in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 57.5 — up to +10.6 composite points
Contract Governance scores 18.2 — up to +9.8 composite points
Access Clarity scores 60.5 — up to +7.9 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/modulr/apis.yml: open an issue on github.com/api-evangelist/modulr to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
UK G-Cloud Suppliers (UK public-sector cloud procurement)	regulated	36.4 (thin)	-	-
EU/EEA Payment and E-Money Institutions (PSD2 passports)	regulated	36.4 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Confirmation of Payee

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Variable Recurring Payments

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OpenAPI

measured — observed by APIs.io (published)

APIs 26

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

Modulr Access Group API

Operations on Access Group

Modulr Accounts API

Operations on Accounts

Modulr Async API

Asynchronous card task operations

Modulr Beneficiaries API

Operations on Beneficiaries

Modulr Card Simulator API

Cards Simulator API

Modulr Cards API

Cards API

Modulr Cards Bulk Operations API

The Cards Bulk Operations API from Modulr — 3 operation(s) for cards bulk operations.

Modulr Channel Manager Card API

The Channel Manager Card API from Modulr — 9 operation(s) for channel manager card.

Modulr Channel Manager Webhook Notifications API

The Channel Manager Webhook Notifications API from Modulr — 3 operation(s) for channel manager webhook notifications.

Modulr Confirmation of Payee API

Account Name Checks

Modulr Customers API

Operations on Customers

Modulr Direct Debit Outbound Mandate Operations API

The Direct Debit Outbound Mandate Operations API from Modulr — 3 operation(s) for direct debit outbound mandate operations.

Modulr Direct Debits API

Direct Debit operations

Modulr Document API

Operations on Documents

Modulr File Upload API

Upload payment files

Modulr Inbound Payments API

Inbound payments

Modulr Integration Notification API

The Integration Notification API from Modulr — 3 operation(s) for integration notification.

Modulr Notification API

Operations on Notifications

Modulr Payment Initiations API

The Payment Initiations API from Modulr — 5 operation(s) for payment initiations.

Modulr Payments API

Operations on Payments

Modulr Restricted API

Restricted access API calls

Modulr Rules API

Rules

Modulr Share secure card details API

Share secure card details operations

Modulr Transactions API

Operations on Transactions

Modulr Variable Recurring Payments API

The Variable Recurring Payments API from Modulr — 5 operation(s) for variable recurring payments.

Modulr Verification of Payee API

The Verification of Payee API from Modulr — 1 operation(s) for verification of payee.

Scroll for all 26

Open Collections 1

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Modulr API

OPEN COLLECTION

MCP Servers 1

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

Modulr MCP Server

Remote MCP server at modulr.readme.io over HTTP; 6 tools listed.

MCP SERVER

Agent Skills 5

Packaged agent skills for driving this provider's APIs from an AI assistant.

Collect via Bacs Direct Debit

AGENT SKILL

Issue and manage a card

AGENT SKILL

Onboard a customer and make a payment

AGENT SKILL

Verify a payee (CoP / VoP)

AGENT SKILL

Set up and execute a Variable Recurring Payment

AGENT SKILL

Modulr API pricing

Prices published by Modulr, read 2026-09-20 from www.modulrfinance.com/pricing-for-business.

Plan	Price
Bundle Bronze (Accounts Payable, Spend Management, Payroll Payments)	£30.00 per month Includes: 80 Payments included*
Bundle Silver	£110.00 per month Includes: 500 Payments included*
Bundle Platinum	£500.00 per month Includes: 3,000 Payments included
Accounts Payable & Spend Management Bronze	£20.00 per month Includes: 35 Payments included*
Accounts Payable & Spend Management Silver	£75.00 per month Includes: 200 Payments included*
Accounts Payable & Spend Management Platinum	£320.00 per month Includes: 1,100 Payments included*
Payroll Payments Bronze	£ 16 .25 per month Includes: 35 Payments included
Payroll Payments Silver	£ 67 .20 per month Includes: 200 Payments included

All 12 plans, limits and sources →

Rate limits

: 10 minutes
: 1 week

Rate-limit details →

Billed by: payment · FinOps profile →

Pricing Plans 2

Published pricing tiers and plan structures.

Modulr Plans Pricing

12 plans

PLANS

Modulr Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Modulr Rate Limits

2 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Modulr

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Modulr Finops

FINOPS

Event Specifications 1

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

Modulr Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Modulr API Rules

65 rules · 47 errors 13 warnings 5 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Modulr Api Overlay

2 actions · update · modulr-api.json

DERIVED

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

212 operations · 138 acting · 4 human-in-the-loop

212 operations · 138 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

LLMsTxt

MCPServer

AgentSkill

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

Webhooks

DataModel

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

ToolCrosswalk

Packages

SDKs

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

HelpCenter

ChangeLog

ChangeLog

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

Pricing

Pricing

PrivacyPolicy

PrivacyPolicy

Company 5

The organization behind the API

Blog

Blog

BlogRSS

BlogRSS

Website

Website

LinkedIn

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Overlay

Overlay

Source (apis.yml)

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.'
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: high
  source:
  - plans
  - authentication
  - rate-limits
  - security
  - sandbox
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
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
tags_raw:
- 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: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: modulr:modulr-access-group-api
  name: Modulr Access Group API
  description: Operations on Access Group
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Access Group
  properties:
  - type: OpenAPI
    url: openapi/modulr-access-group-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-accounts-api
  name: Modulr Accounts API
  description: Operations on Accounts
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/modulr-accounts-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-async-api
  name: Modulr Async API
  description: Asynchronous card task operations
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Async
  properties:
  - type: OpenAPI
    url: openapi/modulr-async-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-beneficiaries-api
  name: Modulr Beneficiaries API
  description: Operations on Beneficiaries
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/modulr-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-card-simulator-api
  name: Modulr Card Simulator API
  description: Cards Simulator API
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Card Simulator
  properties:
  - type: OpenAPI
    url: openapi/modulr-card-simulator-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-cards-api
  name: Modulr Cards API
  description: Cards API
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/modulr-cards-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-cards-bulk-operations-api
  name: Modulr Cards Bulk Operations API
  description: The Cards Bulk Operations API from Modulr — 3 operation(s) for cards bulk operations.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Cards Bulk Operations
  properties:
  - type: OpenAPI
    url: openapi/modulr-cards-bulk-operations-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-channel-manager-card-api
  name: Modulr Channel Manager Card API
  description: The Channel Manager Card API from Modulr — 9 operation(s) for channel manager card.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Channel Manager Card
  properties:
  - type: OpenAPI
    url: openapi/modulr-channel-manager-card-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-channel-manager-webhook-notifications-api
  name: Modulr Channel Manager Webhook Notifications API
  description: The Channel Manager Webhook Notifications API from Modulr — 3 operation(s) for channel manager webhook notifications.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Channel Manager Webhook Notifications
  properties:
  - type: OpenAPI
    url: openapi/modulr-channel-manager-webhook-notifications-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-confirmation-of-payee-api
  name: Modulr Confirmation of Payee API
  description: Account Name Checks
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Confirmation of Payee
  properties:
  - type: OpenAPI
    url: openapi/modulr-confirmation-of-payee-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-customers-api
  name: Modulr Customers API
  description: Operations on Customers
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Customers
  properties:
  - type: OpenAPI
    url: openapi/modulr-customers-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-direct-debit-outbound-mandate-operations-api
  name: Modulr Direct Debit Outbound Mandate Operations API
  description: The Direct Debit Outbound Mandate Operations API from Modulr — 3 operation(s) for direct debit outbound mandate
    operations.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Direct Debit Outbound Mandate Operations
  properties:
  - type: OpenAPI
    url: openapi/modulr-direct-debit-outbound-mandate-operations-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-direct-debits-api
  name: Modulr Direct Debits API
  description: Direct Debit operations
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Direct Debits
  properties:
  - type: OpenAPI
    url: openapi/modulr-direct-debits-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-document-api
  name: Modulr Document API
  description: Operations on Documents
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Documents
  tags_raw:
  - Document
  properties:
  - type: OpenAPI
    url: openapi/modulr-document-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-file-upload-api
  name: Modulr File Upload API
  description: Upload payment files
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - File Upload
  properties:
  - type: OpenAPI
    url: openapi/modulr-file-upload-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-inbound-payments-api
  name: Modulr Inbound Payments API
  description: Inbound payments
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Inbound Payments
  properties:
  - type: OpenAPI
    url: openapi/modulr-inbound-payments-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-integration-notification-api
  name: Modulr Integration Notification API
  description: The Integration Notification API from Modulr — 3 operation(s) for integration notification.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Integration Notification
  properties:
  - type: OpenAPI
    url: openapi/modulr-integration-notification-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-notification-api
  name: Modulr Notification API
  description: Operations on Notifications
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Notification
  properties:
  - type: OpenAPI
    url: openapi/modulr-notification-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-payment-initiations-api
  name: Modulr Payment Initiations API
  description: The Payment Initiations API from Modulr — 5 operation(s) for payment initiations.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Payment Initiations
  properties:
  - type: OpenAPI
    url: openapi/modulr-payment-initiations-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-payments-api
  name: Modulr Payments API
  description: Operations on Payments
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/modulr-payments-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-restricted-api
  name: Modulr Restricted API
  description: Restricted access API calls
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Restricted
  properties:
  - type: OpenAPI
    url: openapi/modulr-restricted-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-rules-api
  name: Modulr Rules API
  description: Rules
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Rules
  properties:
  - type: OpenAPI
    url: openapi/modulr-rules-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-share-secure-card-details-api
  name: Modulr Share secure card details API
  description: Share secure card details operations
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Share secure card details
  properties:
  - type: OpenAPI
    url: openapi/modulr-share-secure-card-details-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-transactions-api
  name: Modulr Transactions API
  description: Operations on Transactions
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/modulr-transactions-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-variable-recurring-payments-api
  name: Modulr Variable Recurring Payments API
  description: The Variable Recurring Payments API from Modulr — 5 operation(s) for variable recurring payments.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Variable Recurring Payments
  properties:
  - type: OpenAPI
    url: openapi/modulr-variable-recurring-payments-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
- aid: modulr:modulr-verification-of-payee-api
  name: Modulr Verification of Payee API
  description: The Verification of Payee API from Modulr — 1 operation(s) for verification of payee.
  humanURL: https://modulr.readme.io/docs/account
  baseURL: https://api.modulrfinance.com
  tags:
  - Verification of Payee
  properties:
  - type: OpenAPI
    url: openapi/modulr-verification-of-payee-api-openapi.yml
  - type: Documentation
    url: https://modulr.readme.io/docs/account
  - type: APIReference
    url: https://modulr.readme.io/reference
  - type: Documentation
    url: https://modulr.readme.io/docs/payments-2
  - type: Documentation
    url: https://modulr.readme.io/docs/customer
  - type: Documentation
    url: https://modulr.readme.io/docs/notifications-1
common:
- url: https://www.modulrfinance.com/newsroom
  type: Blog
- url: https://www.modulrfinance.com/newsroom/rss.xml
  type: BlogRSS
- type: Plans
  url: plans/modulr-plans-pricing.yml
- type: CapabilityMap
  url: capabilities/modulr-capability-edges.yml
  name: Modulr Business Capability Map
- 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/_original/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

Modulr API — frequently asked questions

Does Modulr have an API?

Yes. APIs.io lists 26 APIs from Modulr, including Modulr Access Group API, Modulr Accounts API and Modulr Async API, and 23 more.

Is there an OpenAPI specification for the Modulr API?

Yes. APIs.io indexes 26 OpenAPI specifications for Modulr, each linked for download from this page.

How do I authenticate with the Modulr API?

Modulr uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Modulr Authentication.

How much does the Modulr API cost?

Modulr publishes its prices; its Bundle Bronze (Accounts Payable, Spend Management, Payroll Payments) plan is £30.00 per month as of 2026-09-20. APIs.io lists 12 pricing plans for Modulr, with each plan's price, limits and inclusions under Pricing on this page.

Does Modulr have an MCP server?

Yes. APIs.io lists 1 MCP server for Modulr: Remote MCP server at modulr.readme.io over HTTP; 6 tools listed.

Is the Modulr API ready for AI agents?

Modulr has a Kin Score of 63.1 out of 100 (strong) and an Agent Readiness score of 51.7 (agent-native), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

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curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/modulr/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/modulr/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

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