Make embedded payments your competitive advantage

Differentiate your marketplace or on-demand platform with embedded financial services that enhance your core offering, and drive user engagement, stickiness and loyalty.

Do these problems sound familiar?

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Outstripped by the demands of the gig economy

You're an on-demand delivery platform struggling to cater to the needs of your dynamic gig economy workforce with your current tech stack.

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Unable to scale complex payment processes

You need a reliable payments infrastructure that can scale at pace with your growth while meeting complex regulatory requirements across multiple jurisdictions.

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Lack of infrastructure support

You haven’t found a banking partner that can deliver the robust, secure and flexible payments infrastructure you need as you strive to innovate and deliver new products.

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Differentiating in a competitive market

You're an eCommerce marketplace that needs to attract merchants and retailers away from the competition and onto your platform.

Launch merchant services at the forefront of eCommerce innovation

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Power ahead of the competition

With eCommerce marketplaces and on-demand platforms facing intense competition, launching new financial services for your merchants or gig economy workforce will give you important differentiation.

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Boost engagement, stickiness and loyalty

Make your platform the go-to for value added services, with a superior payments, cards and account experience. Build long-lasting relationships with merchants and gain valuable insight into their behaviour.

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Create new revenue streams

Increase the lifetime value of a customer, without increasing the cost of acquisition by leveraging new monetisation opportunities. Provide instant access to earnings or generate interchange on merchant card purchases.

A single API to build and launch new embedded financial services

Powered by API and direct access to the critical payments infrastructure, Modulr makes it easy for marketplaces and on-demand platforms to seamlessly integrate and embed financial services into eCommerce propositions. Our robust and regulated payments platform will meet your payments needs in the UK and across Europe. We'll help you provide a superior user experience, open up new addressable markets and leverage new revenue possibilities.

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Efficient and scalable account infrastructure

Leverage our API-driven platform to open unlimited accounts with sort codes and account numbers. Improve control of funds, treasury management and reconciliation internally, or issue personalised accounts and spending cards to merchants.

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Automate manual processes

Eliminate error-prone batch files, use programmable rules and notifications to assign incoming payments to merchant accounts, speeding up reconciliation and reducing admin costs.

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Access UK and EU payment schemes

We provide access to major UK and EU payment schemes with direct access to Faster Payments and Bacs and we’re a principal issuing member of Visa and Mastercard.

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Launch new products with ease

Provide merchants with a full suite of financial solutions, including payment accounts, cards, Faster Payments, Direct Debits, Payment Initiation via Open Banking, Confirmation of Payee, 24/7 access and instant notifications.

Spotlight on digital payments accounts

Offer a fully digital suite of embedded financial services

Modulr's infrastructure and regulated EMI status allows you to provide digital payments accounts to merchants at an affordable price, with fast and easy onboarding.

We also offer a complete suite of payment services, including Faster Payments, Bacs, CHAPS, Direct Debit, card issuing, and open banking innovations like Payment Initiation.

This means you can stand out in the fiercely competitive eCommerce space by offering a fully digital suite of embedded financial services to your merchants.

Integrate the latest features as they’re released

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Whole card programme management LIVE
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Physical Cards for merchants/drivers LIVE
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Instant account creation LIVE
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Virtual Card deployed in-app LIVE
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Reliable GBP & EUR scheme access LIVE
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Account top ups, by Open Banking LIVE
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Apple / Google Pay Coming Soon
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SEPA Instant Coming Soon
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Brett Shanley, CEO
Knoma

“Offering an embedded finance solution within a wider ecosystem designed to drive lifelong learning means we are completely aligned with the needs of the education sector. Modulr's technology is essential to the Knoma business model. Without having Modulr behind the scenes, Knoma would have been forced to work with a traditional high street bank for the processing of our payments. This thought terrifies us!”