Integrated Finance vs Modulr
Integrated Finance
integrated.finance
Modulr
modulrfinance.comSide by side
| Figure | Integrated Finance | Modulr |
|---|---|---|
| Price from | — | £16.25/mo |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | Yes |
| Plans published | 0 | 12 |
| Spec score · Banking-as-a-Service Platforms | 7.2 (#23) | 8.5 (#4) |
| Founded | 2019 | 2016 |
| Integrations | Listed connections include Modulr, Currencycloud, Railsbank, ClearBank, LHV, Nium, Crown Agents Bank, Sumsub, ComplyAdvantage, W2, Thredd, Judopay, Transact Payments, tell.money, Flagright, and Aazzur. | Modulr's integrations hub connects with more than 20 accounting and payroll systems, including Sage, Xero and BrightPay. |
| Sandbox | The company offers sandbox access to test accounts, payments, cards, and webhooks before going live. | A sandbox supplies API credentials, portal access and a fictitious £50,000 GBP account, with optional cards, direct debit and approvals features. |
| Security | The company says required data is encrypted and its platform is hosted on Google Cloud. | Modulr says its cloud-first platform is designed for scale and security and displays ISO, BSI, Cyber Essentials and PCI marks on its site. |
| Support | The support hub links to API documentation, a system status page, and an active Slack community. | The site provides customer support, fraud support and a service status page. |
| What it does | Integrated Finance is a cloud-native financial infrastructure platform that connects fintech products to core financial services and integration workflows. | Modulr automates payroll, supplier payments, collections and other business money flows through portals and APIs. |
Plans
Modulr
- Payroll Payments Bronze£16.25 a month
- Accounts Payable and Spend Management Bronze£20 a month
- Bronze£30 a month
- Bundle Bronze£30 a month
- Payroll Payments Silver£67.20 a month
- Accounts Payable and Spend Management Silver£75 a month
- Bundle Silver£110 a month
- Silver£110 a month
- Payroll Payments Platinum£300 a month
- Accounts Payable and Spend Management Platinum£320 a month
In their own words
Integrated Finance
Integrated Finance has no write-up on Specifiction yet; its figures are above.
Modulr
Modulr provides a platform for automating money moving into and out of a business. Its listed products cover payroll payments, accounts payable, spend management and collections. Accounts are available in GBP, EUR and nine other currencies, with local IBANs in GB, NL, ES, FR and IE. The platform supports instant GBP and EUR pay-ins and pay-outs, CHAPS, Bacs, SEPA and SWIFT. Businesses can issue virtual and physical Visa and Mastercard cards, with Apple Pay and Google Pay support; controls include spend limits, authorisation windows and merchant category code settings. Listed integrations include BrightPay, Sage, Xero, QuickBooks, Workforce and Conferma, while Sage Intacct is marked as coming soon. Developers have API documentation, guides and sandbox access. Modulr says it is licensed as an electronic money institution by the FCA in the UK and DNB in the Netherlands. It also states that it is not a bank and that customer funds are safeguarded rather than covered by FSCS. Paid plans are listed at £30 a month for Bronze, £110 a month for Silver and £500 a month for Platinum. The service is available on Android, iOS, web and API.