Modulr vs Treezor
Modulr
modulrfinance.comTreezor
treezor.comSide by side
| Figure | Modulr | Treezor |
|---|---|---|
| Price from | £16.25/mo | — |
| Free plan | — | — |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 12 | 0 |
| Spec score · Banking-as-a-Service Platforms | 8.5 (#4) | 7.2 (#24) |
| API | Modulr offers API documentation, developer guides and sandbox access. | Treezor's API is REST-based and accepts and returns JSON payloads. |
| Cards | The cards product supports single-use virtual cards, configurable controls and managed physical card programmes on Visa and Mastercard. | Treezor supports physical and virtual Mastercard or Visa card programs, with configurable card controls and limits. |
| Founded | 2016 | Treezor says it was founded in 2016. |
| Headquarters | London, United Kingdom | Paris, France |
| Integrations | Modulr's integrations hub connects with more than 20 accounting and payroll systems, including Sage, Xero and BrightPay. | Treezor’s card services support Apple Pay, Google Pay, and Samsung Pay. |
| Sandbox | A sandbox supplies API credentials, portal access and a fictitious £50,000 GBP account, with optional cards, direct debit and approvals features. | Treezor says a free, dedicated sandbox is available to each customer for testing. |
| Security | Modulr says its cloud-first platform is designed for scale and security and displays ISO, BSI, Cyber Essentials and PCI marks on its site. | Treezor lists PCI DSS and ISO 27001 among its security credentials and describes itself as an ACPR-licensed electronic money institution. |
| Support | The site provides customer support, fraud support and a service status page. | For questions about a Treezor-powered payment account, card, or IBAN, customers are directed to contact the company where they opened the account first. |
| What it does | Modulr automates payroll, supplier payments, collections and other business money flows through portals and APIs. | Treezor provides embedded finance and Banking-as-a-Service through APIs, covering services across the payment chain from receiving to issuing payments. |
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
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.
Treezor
Treezor provides Banking-as-a-Service for businesses embedding financial services through APIs. Its services cover payment accounts and wallets with virtual and local IBANs, core banking, KYC/KYB, card issuing and processing, acquiring, and SEPA and international payments. Businesses can offer physical or virtual Visa and Mastercard cards linked to accounts, with configurable controls and limits. The REST API exchanges JSON and requires HTTPS requests with a JSON Web Token in the Authorization header. Each customer can use a dedicated sandbox for testing, while dashboards support team onboarding and operations monitoring. Card services work with Apple Pay, Google Pay, and Samsung Pay. Authentication options include WebNative for browsers and mobile devices, native iOS and Android SDKs, and bridges for React Native, Flutter, and Capacitor. Treezor says it is an ACPR-authorized electronic money institution with authorization to operate in 25 countries. Its supported regions include Belgium, France, Germany, Italy, Luxembourg, Spain, and The Netherlands. Pricing is on request.