Embed payments into trading and investment for a next-level experience

Deliver a smooth, fast and transparent payments experience for customers wanting to trade stocks, shares, ETFs and other alternative asset classes through your platform. 

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Do these problems sound familiar?

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Slow processing of payments

Customers want real-time trading and investment, but you need to wait hours or days to receive funds. This means that delays happen and customers can even miss buying opportunities, resulting in a damaged user experience.

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Slow and error-prone reconciliation 

You rely on customers to correctly enter their reference details for every payment – if they forget or make a mistake, this can lead to manual reconciliation and unnecessary delays. 

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Risk of payment fraud

Customers are hesitant to invest on the platform, due to complicated payment processes. And because there are no real-time notifications , if they test it out with a small amount, they don’t feel secure enough to invest more.

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High cost of card payment acceptance

When customers want to purchase stocks, top up their wallets, or fund their savings accounts, there are costly fee structures for high-value deposits and chargebacks associated with card payments. 

Put embedded payments at the heart of your processes

Modulr makes it easy for trading apps, brokers and investment platforms to accept real-time payments and transfers, as well as updating your customers instantly, meaning you can deliver a first-class investment and trading experience.  

Not only with Modulr provide you with a robust, scalable embedded payments infrastructure that allows you to accept a broad range of recurring and ad-hoc payment types, you'll also have the flexibility to rapidly deploy new products and services that meet your customers' needs.  

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Real-time payments and notifications

Embedding payments means you can build in programmable rules (webhooks) to speed up reconciliation and give real-time notifications to your customers and partners. This means saying goodbye to costly delays.

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More trust and engagement

Funds can be deposited and withdrawn from individual accounts in your platform, rather than customer's personal bank accounts, encouraging more engagement. And, by using Confirmation of Payee, you can give your business, and customers, confidence that their withdrawals are secure, by automatically checking payee details, reducing the risk of fraud and errors.

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Unlimited customer accounts

Open an unlimited number of accounts with unique account numbers/IBANs, allowing your customers to trade, invest and save funds easily, and allowing your business to scale.

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Virtual and physical cards

Differentiate your proposition with the ability to offer both virtual and physical cards, giving customers more way to spend funds they hold with you.

Spotlight on Payment Initiation

Offer the same payments experience as a challenger bank 

With new digital trading and stock investment companies emerging all the time, how can you differentiate your business?

Modulr’s Payment Initiation, enabled by Open Banking, allows customers to instantly invest or top-up wallets directly from their bank without leaving your application. 

Funds are settled immediately – you don’t have to wait hours or days for payments to clear. There are no chargebacks and the risk of fraud is reduced compared to card payments (especially if you also use Confirmation of Payee to guarantee the money is going to the right person). 

Modulr’s Payment Initiation operates on a flat fee structure, so you don’t have to pay a percentage of each transaction as you would when accepting card payments. This can amount to significant savings if you’re processing large fund deposits.  

Contact us →
PolygonJanis Legler
Janis Legler
Mode

“We are delighted to be working with Modulr as a key part of our infrastructure to offer the best of both worlds to our users. Built for businesses that need a faster, easier and more reliable way to move money, their API-integrated core platform has helped other large challengers scale with a large number of users and volumes and will support us in our mission to become the number one truly digital banking app, the one that finally also offers products and services catering to digital-asset holders."