# Modulr

**Canonical:** https://apis.io/providers/modulr/  
**Website:** https://www.modulrfinance.com/  
**APIs profiled:** 9

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.

## Kin Score — 50.8 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 50.8).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 61.8 |
| Governance | 11.5 |
| Operational Transparency | 65.8 |
| Developer Ergonomics | 75.5 |
| Commercial Clarity | 21.1 |

Regulatory layer — **Payments**: 39.1 (matched via tags).

## Agent readiness — 66.0 (agent-native)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | yes |
| Auth Clarity | yes |
| Idempotency | documented |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | yes |

## APIs (9)

- **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.

## MCP servers (1)

- **modulr-mcp.yml**

## Agentic access (1)

- **Modulr Agentic Access** — 207 operations · 136 acting · 4 human-in-the-loop

## Security (2)

- **Modulr Authentication** — apiKey · 2 schemes
- **Modulr Domain Security** — TLSv1.3 · HSTS · DMARC

## 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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/modulr/). Scores are computed from the provider's own public artifacts under a published rubric.