Modulr

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.

Kin Score

This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.

How we profile Modulr

Each block below is one kind of artifact we hold for Modulr. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.

APIs 9

Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.

Individual APIs this provider publishes, each with its own machine-readable definition.

Modulr Accounts API

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 p...

Modulr Payments API

Initiate outbound, inbound, bulk, batch and future-dated payments over UK Faster Payments and Bacs, plus international SWIFT payments, with transaction retrieval and reconciliat...

Modulr Cards API

Issue and manage virtual and physical cards, including tokenization, PIN management, card controls, transactions, secure card-detail retrieval and bulk card operations.

Modulr Direct Debits API

Set up and manage UK Bacs Direct Debit mandates and collections, outbound mandate operations and indemnity claims for recurring collection use cases.

Modulr Customers API

Create and verify customers, run KYC/KYB onboarding, manage associates and tax identifiers, and upload supporting documents for compliance.

Modulr Payee Verification API

Confirmation of Payee (CoP) and Verification of Payee (VoP) account name checking to reduce misdirected-payment and APP fraud risk before payments are sent.

Modulr Payment Initiation API

Open Banking Payment Initiation Services (PIS) — initiate immediate account-to-account payments and standing orders from a payer's bank account through connected ASPSPs.

Modulr Variable Recurring Payments API

Consumer and commercial Variable Recurring Payments (VRP) — manage consents and execute recurring account-to-account payments under Open Banking.

Modulr Notifications API

Configure partner- and customer-level webhook subscriptions for account, payment, customer, compliance and Direct Debit events, and retrieve failed webhook deliveries.

Scroll within the panel for all 9 ·

MCP Servers 1

Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.

Model Context Protocol servers that expose these APIs to AI agents.

modulr-mcp.yml

MCP SERVER

Rate Limits 1

Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.

Documented rate limits and quota policies.

Modulr Rate Limits

2 limits

RATE LIMITS

Event Specifications 1

Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Modulr Webhooks

ASYNCAPI

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Modulr Authentication

apiKey · 2 schemes

SECURITY

Modulr Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.

Recommended x-agentic-access execution contracts for AI agents.

Modulr Agentic Access

207 operations · 136 acting · 4 human-in-the-loop

207 operations · 136 acting

AGENTIC

Resources

Every other property we hold for Modulr — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.

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