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