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Full detail: Where this data comes from
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 accounts, payment rails, card issuing, and Open Banking connectivity that fintechs, payroll providers, lenders, marketplaces, and accounting and travel platforms embed into their own products.
APIs.json: https://raw.githubusercontent.com/api-evangelist/modulr/refs/heads/main/apis.yml
- 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
Modulr is API-native. It publishes a public developer portal on ReadMe at modulr.readme.io with getting-started guides, an API reference, a changelog, and a self-serve sandbox. A single downloadable OpenAPI 3.1.0 definition ("Modulr API", v1.0 — 171 paths / 207 operations across 26 tags) was harvested verbatim from the ReadMe API registry that powers the reference pages and is stored at openapi/modulr-api.json. Authentication is API-key based (Authorization header) with HMAC request signing; a short-lived bearer token is used for secure PCI card-detail retrieval. Transport is REST/HTTPS with an extensive webhook/notification layer. No public GraphQL, gRPC, Postman collection, or AsyncAPI document was found.
- Sandbox base URL:
https://api-sandbox.modulrfinance.com/api-sandbox-token(declared in the spec) - Production base URL:
https://api.modulrfinance.com(live; HTTP 403 without credentials)
Create, retrieve, edit, block/unblock and close programmable eMoney accounts, manage access groups and account rules, and read balances.
- Human URL: https://modulr.readme.io/docs/account
- Base URL:
https://api.modulrfinance.com - OpenAPI
Outbound, inbound, bulk, batch and future-dated payments over UK Faster Payments and Bacs, plus international SWIFT payments, with transaction retrieval and reconciliation.
- Human URL: https://modulr.readme.io/docs/payments-2
- Base URL:
https://api.modulrfinance.com - OpenAPI
Issue and manage virtual and physical cards, including tokenization, PIN management, card controls, transactions, secure card-detail retrieval and bulk card operations.
- Human URL: https://modulr.readme.io/reference
- Base URL:
https://api.modulrfinance.com - OpenAPI
UK Bacs Direct Debit mandates and collections, outbound mandate operations and indemnity claims for recurring collection use cases.
- Human URL: https://modulr.readme.io/reference
- Base URL:
https://api.modulrfinance.com - OpenAPI
Create and verify customers, run KYC/KYB onboarding, manage associates and tax identifiers, and upload supporting documents for compliance.
- Human URL: https://modulr.readme.io/docs/customer
- Base URL:
https://api.modulrfinance.com - OpenAPI
Confirmation of Payee (CoP) and Verification of Payee (VoP) account name checking to reduce misdirected-payment and APP fraud risk before payments are sent.
- Human URL: https://modulr.readme.io/reference
- Base URL:
https://api.modulrfinance.com - OpenAPI
Open Banking Payment Initiation Services (PIS) — immediate account-to-account payments and standing orders from a payer's bank account through connected ASPSPs.
- Human URL: https://modulr.readme.io/reference
- Base URL:
https://api.modulrfinance.com - OpenAPI
Consumer and commercial Variable Recurring Payments (VRP) — manage consents and execute recurring account-to-account payments under Open Banking.
- Human URL: https://modulr.readme.io/reference
- Base URL:
https://api.modulrfinance.com - OpenAPI
Partner- and customer-level webhook subscriptions for account, payment, customer, compliance and Direct Debit events, and retrieval of failed webhook deliveries.
- Human URL: https://modulr.readme.io/docs/notifications-1
- Base URL:
https://api.modulrfinance.com - OpenAPI
- Website
- Developer Portal
- Documentation
- API Reference
- Getting Started
- Authentication
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