--- title: "Modern Treasury Software Pricing, Alternatives & More 2026 | Capterra" description: "With the help of Capterra, learn about Modern Treasury Software - reviews, pricing plans, popular comparisons to other General Ledger products and more." source_url: "https://www.capterra.com/p/10021630/Modern-Treasury/" page_type: "product" language: "en" --- # Modern Treasury Software Review 2026: Features, Integrations, Pros & Cons Last updated on September 16, 2026 Provider data verified by our Software Research team, and reviews moderated by our Reviews Verification team. [Description](#description)[Use cases](#use-cases)[Alternatives](#alternatives)[FAQs](#faqs)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Modern Treasury ## What is Modern Treasury? Modern Treasury provides the most trusted infrastructure for global money movement. Trusted by leading enterprises and financial institutions, the platform helps businesses launch and scale payment experiences in days, not months, with best-in-class developer tools and a single API for both fiat and stablecoin transactions. With built-in compliance, ledgering, and reporting, Modern Treasury enables instant, reliable, and scalable money movement for companies of all sizes. Backed by leading investors including Benchmark, Altimeter, and Salesforce Ventures, Modern Treasury has powered over $600 billion in payments for hundreds of organizations. ## What is Modern Treasury used for? [Payment Processing](https://www.capterra.com/payment-processing-software/)[Banking Systems](https://www.capterra.com/banking-systems-software/)[General Ledger](https://www.capterra.com/general-ledger-software/) Top alternative Featured Overall rating Based on 14 user reviews Reviews sentiment Positive \- Neutral \- Negative \- ### Starting price Free trial not available Capterra Shortlist charts the highest-rated and most popular products... Our "Best of" badge program showcases products with the highest ratings... Our "Best of" badge program showcases products with the highest ratings... Do you work for Modern Treasury?[Manage this product listing](https://www.g2.com/products/modern-treasury/claim_requests/new?auto=true) ## Modern Treasury Overview Updated September 2026 AI summary Modern Treasury enables finance and operations teams in organizations of all sizes to manage payments, accounting, and reconciliation through a cloud-based platform. Covering financial management, banking systems, and payment processing, it offers features such as real-time analytics, customizable reports, workflow management, and an API for integrations, supporting accurate recordkeeping and efficient financial operations. ## Compare with a popular alternative Capterra selects software alternatives based on relevant features, verified user reviews and user interactions. Placement may be influenced by client status. ### Modern Treasury 4.7 (14) VS. [4.2 (2,073)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.7 (14) Ease Of Use 4.0 (26,641) Value For Money 4.4 (13) Value For Money 3.9 (20,480) Customer Service 4.7 (14) Customer Service 3.8 (20,738) ## Modern Treasury alternatives [4.3 (717)](https://www.capterra.com/p/76/Intacct/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 86% of reviewers rated it above 4 stars [PayPal](https://www.capterra.com/p/207944/PayPal/) [4.6 (26,663)](https://www.capterra.com/p/207944/PayPal/reviews/) Starting price $0.29 Per User, Per Month Pricing Options Free Trial Free Version User Rating 94% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/207944/PayPal/) Highest Rated [Venmo](https://www.capterra.com/p/222572/Venmo-/) [4.7 (9,306)](https://www.capterra.com/p/222572/Venmo-/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 95% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/222572/Venmo-/) [Stripe](https://www.capterra.com/p/123889/Stripe/) [4.6 (3,383)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 93% of reviewers rated it above 4 stars [Learn More](https://www.capterra.com/p/123889/Stripe/) [View all alternatives](https://www.capterra.com/p/10021630/Modern-Treasury/alternatives/) ## FAQs about Modern Treasury Overview ### Which roles and teams benefit most from Modern Treasury? Modern Treasury is most used by finance and accounting teams, payment operations staff, and engineering leaders. Accountants and revenue heads rely on it for reconciliation, cash visibility, and payment tracking, while operations teams manage collections workflows. CTOs, architects, and executives use it to streamline payment infrastructure, improve controls, and support scalable financial operations. Answer based on 14 reviews Overview ### What company size and industries is Modern Treasury built for? Modern Treasury is built primarily for small businesses, which make up 93% of reviewers, especially in Financial Services at 43%. It also serves midsize businesses at 7%, with additional adoption in Real Estate at 14% and Entertainment at 7%, most commonly for payment processing. Answer based on 14 reviews Features and Usability ### What are the key features of Modern Treasury? Modern Treasury offers ACH payment processing, APIs, and payment gateway integration for electronic, online, mobile, and card payments. It also includes bank reconciliation, payment reconciliation, transaction monitoring, audit trail, role-based permissions, customizable reports, real-time analytics, and workflow management for financial operations. Integrations ### Which third-party tools and platforms does Modern Treasury integrate with? Modern Treasury integrates with Workday HCM and supports accounting and reconciliation workflows with financial systems. The catalog also points to other third-party connections for payments and operations, but Workday HCM is the only specific integration named in the provided data. Answer based on 1 reviews Getting Started and Support ### What customer support options does Modern Treasury offer? Modern Treasury provides email/help desk support and an FAQ/forum for customer assistance. Users can submit questions through direct support or consult self-service resources for common issues. No reviewer feedback is available here to describe response times or support quality. ## Features AI summary Based on 1,574 General Ledger reviews Capterra data shows that buyers of Financial Management software rank the following features as their top priorities: - **General Ledger** (**59%** of reviewers rated this feature as critical) - **Financial Reporting** (**49%**) - **Accounting** (**61%**) Modern Treasury supports all three of the features reviewers rate most important: **General Ledger**, **Financial Reporting**, and **Accounting**. Together, these capabilities help businesses maintain accurate financial records, track performance through clear reporting, and manage core accounting processes more effectively, allowing teams to make informed financial decisions and keep operations running efficiently. General Ledger 5.0 (1) 100.00% of 1 reviewers that rated this feature as important or highly important Centralized accounting record which tracks all financial transactions Data Import/Export 4.5 (4) 100.00% of 4 reviewers that rated this feature as important or highly important Import and export data to and from software applications Payment Gateway Integration 4.8 (9) 100.00% of 9 reviewers that rated this feature as important or highly important Integration with payment gateways to facilitate online transactions Transaction Monitoring 4.4 (9) 66.67% of 9 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities Data Security 4.9 (8) 100.00% of 8 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Real-Time Data 4.9 (7) 85.71% of 7 reviewers that rated this feature as important or highly important Receive data and information in real time Modern Treasury 70 features ### All Features - Accounting: Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. - Accounting Integration: Integrate with a third-party accounting system - Accounts Payable: Track money owed to a company's creditors/suppliers - Accounts Receivable: Track outstanding invoices and the money owed from clients - ACH Payment Processing: Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) - Activity Dashboard: Dashboard to view the status of ongoing processes, identify current incidents and track past activities - Alerts/Escalation: System alerts about the need to escalate an issue or request - Alerts/Notifications: Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges - API: Application programming interface that allows for integration with other systems/databases - Approval Process Control: Manage the process of evaluating documents or requests submitted for approval - Audit Management: Plan, schedule, and execute organization's accounts and assets to ensure compliance with policies and laws - Audit Trail: A record of all activities within the system, including user access, changes made, etc. - Bank Reconciliation: Compare and match accounting/financial records with corresponding bank statements - Billing & Invoicing: Create, manage, and send invoices or bills to customers - Cash Flow Management: Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period - Cash Management: Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances - Core Banking: Back-end system that processes daily banking transactions and posts updates to accounts and other financial records. - Corporate Banking: Banking that services corporate customers, from SMBs to multinational enterprise corporations with large financial stakes. - Customer Accounts: Record customer information, purchase history, and other notes - Customer Experience Management: Track and understand a customer's overall satisfaction with a product or service to identify areas of improvement. - Customizable Branding: Add customized logos and colors to align with company branding - Customizable Reports: Alter the layout and content of reports - Data Import/Export: Import and export data to and from software applications - Data Security: Protect sensitive data for digital privacy - Data Visualization: Graphical representation of data - Debit/Credit Card Processing: Accept and process credit/debit card transactions - Digital Wallet Payments: Allows customers to check out with wallet payment methods that digitally store credit and debit cards - eCommerce Integration: Integrates with eCommerce systems - Electronic Payments: Electronically collect payments for goods or services - Financial Analysis: Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk - Financial Management: Plan, manage, and track the financial activities of an individual or organization - Financial Reporting: Generate reports to assess the financial performance of an organization - General Ledger: Centralized accounting record which tracks all financial transactions - Invoice Management: Captures invoice data and maintains comprehensive records for auditing and reporting purposes - Mobile Payments: Clients can submit payments via mobile devices - Monitoring: Observe and track the demand, usage, progress or quality of a system, product, or user - Multi-Currency: Manage and handle various international currencies - Multiple Payment Options: Process payments via multiple modes directly through the application - Online Banking: Ability to manage transactions online with a mobile device or computer. - Online Payments: Accept and process online payment transactions - Partial Payments: Allow customers to make a partial payment on an invoice and track remaining debt - Payment Fraud Prevention: Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. - Payment Gateway Integration: Integration with payment gateways to facilitate online transactions - Payment Links: Send clickable links via text or email to collect payments from customers - Payment Reconciliation: Reconcile payments with corresponding invoices or orders for accounting purposes - PCI Compliance: Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) - Portfolio Management: Overview of all programs that help compare initiatives, align projects with strategic goals and identify risk - Real-Time Analytics: Analyze and gain insights into data in real-time - Real-Time Data: Receive data and information in real time - Real-Time Monitoring: Active monitoring of systems, applications, or networks - Real-Time Reporting: Active reporting of data and metrics - Recurring/Subscription Billing: Automated process of charging customers at regular intervals for repeated access or use of a product or service - Reporting & Statistics: Collection, analysis, and representation of numerical data and generation of reports to understand various patterns - Reporting/Analytics: View and track pertinent metrics to find patterns and gain insights from data - Retail Banking: Division of banks that focus specifically on retail customers. - Revenue Recognition: An accounting principle that identifies the specific conditions in which revenue is recognized and determines how to account for it. - Role-Based Permissions: Set & manage permission levels based on user roles and restrict access to only authorized individuals - Rules-Based Workflow: Automates and streamlines business processes by creating a sequence of predefined rules and actions that govern the flow of work - Search/Filter: Search and filter data across systems to locate required information by entering keywords or certain criteria - Secure Login: At least a username and password is required to access the system - Securities Management: Develop, document, and implement policies & procedures to protect an organization's assets. - Self Service Portal: Online portal through which end users can access the system, manage tasks, or obtain information - Third-Party Integrations: Set up connections to third-party platforms to improve business processes - Transaction History: Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period - Transaction Management: Manage, record and track all business exchanges in form of money and its related interactions in the system - Transaction Monitoring: Monitor or audit historical and current transactions to analyze customer account activities - Two-Factor Authentication: Extra layer of security that requires not only a password and username but also something specific to that user - User Management: Manage user accounts, profiles, roles, permissions, and other details across applications, devices or networks - Visual Analytics: Interact with data visualization elements, such as charts and graphs, to drill down into data - Workflow Management: Create, design and manage workflows for repetitive tasks --- Get Advice We can help you find the software with the features you need. Features 4.5 (14) 4.5 Based on 14 reviews ## Pricing Value for money 4.4 (13) ### Starting price Free trial not available Value for money 4.4 (13) 4.4 Based on 13 reviews Connect with a Capterra advisor for a free 15-minute consultation Get a personalized software list aligned to your business needs with guidance from our expert advisors. Our team has helped 1 million+ businesses like yours find options that fit their needs. ## Support, customer service and training options Customer Service 4.7 (14) Support - Email/Help Desk - FAQs/Forum - Knowledge Base - Phone Support - 24/7 (Live rep) - Chat Training - In Person - Live Online - Webinars - Documentation - Videos Deployment - Web - Android - iPhone/iPad Typical users - Freelancers - Small businesses - Mid size businesses - Enterprises Customer Service 4.7 (14) 4.7 Based on 14 reviews ## User reviews Overall rating 4.7 Based on 14 reviews Filter by rating 5(11) 4(2) 3(1) 2(0) 1(0) Mentioned topic Sorted by most recent Sam L. Founder and CEO Financial Services ### "White-glove service, even for an early-stage company like ours." 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 August 19, 2026 Pros Exceedingly good customer support. Payment processing is a funny thing where the actually processing is a commodity, but given the stakes it's crucial to have good quick support. MT helped us build a program w/commercials that really make sense for our business, along with white-glove support in setup and any occasional issues that come up. MT genuinely feel like partners, and we'd never get this kind of treatment from a big processor. Cons Haven't run into cons yet. Any implementation issues we've run into are really just fundamental flaws in outdated payment rails which are certainly not MT's fault (ACH is archaic and I can't wait for it to get replaced). When those issues have come up, MT has been exceedingly helpful. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. Jason U. Chief Technology Officer Real Estate ### "Strong product with a good feature set and at a fair price" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 July 15, 2026 Pros We’ve found Modern Treasury to be a feature rich and reliable platform for payment processing at a fair price. Their excellent customer service team helped us quickly navigate the API integration process and launch a product in a fraction of the time of other comparable providers. They have support for both traditional ACH-based payment processing as well as stablecoins, a useful pairing to have in a single provider. Cons No major concerns that have arisen yet. Most deficiencies of the systems that we’ve built around Modern Treasury are the result of not having taken advantage of their full feature set yet. Alternatives considered [Stripe](https://www.capterra.com/p/123889/Stripe/) Reasons for choosing Modern Treasury Faster implementation timelines, comparable or better pricing, similar feature sets. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. RA Roderick A. Vice President Entertainment ### "Solid platform that is perfect for new company" 3.0 Overall Rating 3.0 3.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 3.0 3.0 Likelihood to Recommend 7/10 April 24, 2025 This is a very capable platform to manage the basics. Pros Includes the basics needed to manage Treasury. Cons Does not integrate with all banks and charges to execute direct file transmission can get costly. Review source Non-incentivized review: any software user can leave a review for any product listed on our site. All submitted reviews are subject to our verification process prior to publication. JW Jesse W. VP Computer Software ### "Modern Treasury's ledgering and customer service is fantastic" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 8/10 January 14, 2025 I've always felt that the customer support and customer success teams were very helpful and responsive. We've been able to serve our end customers quickly in large part to MT always being quick to respond and provide solutions Pros It helps me have a extremely accurate ledger Cons The reliance on our bank partner's docs to help Modern Treasury make the appropriate changes to their processes can be frustrating, as its out of our hands. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CN Christian N. Chief Product Officer Financial Services ### "MT is great" 5.0 Overall Rating 5.0 5.0 Ease of Use 3.0 3.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 January 3, 2025 Overall we have had an excellent experience with MT. We are very happy with the product and the service. Pros The system is well thought out. The Payments, Ledgers, and Reconciliation products work very well together and we get a lot of value from them. The MT team is very responsive and provides excellent support. They are also responsive to feedback. Cons We have encountered a few bugs which have had a negative impact on us. However, occasional bugs are to be expected with any software, and the MT team has generally resolved the issues in a timely manner. Alternatives considered [Elavon](https://www.capterra.com/p/183057/Elavon/) [Stripe](https://www.capterra.com/p/123889/Stripe/) [Agile Payments](https://www.capterra.com/p/86492/Agile-Payments/) [Dwolla](https://www.capterra.com/p/148014/Dwolla/) Reasons for choosing Modern Treasury Direct integration with our bank, built-in ledger and reconciliation to bank, no transaction limits aside from our bank limits. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JQ John Q. Head of Accounting Financial Services ### "MT is the next gen money command center" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 10/10 December 18, 2024 Pros MT has robust and well documented APIs and a product team that is hungry to understand the needs and problems of their customers. MT has always been incredibly collaborative with us as we have built our payments, reconciliation and ledgers infrastructure to ensure we're doing so in a scalable way that best leverages the capability of the MT platform. Cons N/A although I do wish there was a way to link accounts you don't want payments and reporting for via plaid so you can truly have all your accounts in one place, even if just to know balance. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CH Caroline H. Accountant Health, Wellness and Fitness ### "Great product!" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 December 17, 2024 All the humans that work at MT are fabulous, responsive and great to work with. Pros Makes banking simple by creating a simple interface. Cons There have been recent changes to the setup pages that create more steps in my payment work flows. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. PM Paul M. Principal Engineer Financial Services ### "Resilient and Reliable Payment Platform" 4.0 Overall Rating 4.0 4.0 Ease of Use 5.0 5.0 Features 4.0 4.0 Customer Service 4.0 4.0 Likelihood to Recommend 9/10 December 13, 2024 Overall, I enjoyed working with the API and by extension the team. I found our account manager (Kristopher) to be extremely helpful and felt like he really championed our needs internally. Pros I thought the API and uptime, for the most part, was well designed. It abstracted away implementation details, for the most part, which made things fairly easy to navigate. Cons I often think of Modern Treasury as an API company but not a UI company. The APIs were quite good, however the user interface had numerous bugs or design flaws (in my opinion). One recent example: reversing a large ledger transaction displays various UI errors however clicking create still works! Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. CS Casey S. Architect Investment Banking ### "Great people to work with" 4.0 Overall Rating 4.0 4.0 Ease of Use 4.0 4.0 Features 3.0 3.0 Customer Service 4.0 4.0 Likelihood to Recommend 7/10 December 13, 2024 Overall we have had a good experience with Modern Treasury and they offer a great service making it simple to interact with ACH and Wire transfers into our bank. Pros They are very responsive when there is an issue and we are able to quickly resolve them. The team is great to work with. Cons we are using them in a different than most of their customers so some of the flows do not work the way we need them to making us create a unique integration. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. JB Jarred B. Head of Investments Financial Services ### "Solid provider with great service" 5.0 Overall Rating 5.0 5.0 Ease of Use 5.0 5.0 Features 5.0 5.0 Customer Service 5.0 5.0 Likelihood to Recommend 9/10 December 12, 2024 Pros Generally solid support, responsive and takes care of a lot of trouble for us. Cons Flat fee -- for a small volume compay like us, we don't hit the minimum fee with our volume. Alternatives considered [Orum](https://www.capterra.com/p/210847/Orum/) Reasons for choosing Modern Treasury More comprehensive, more features, better service. Review source Incentivized review: software users are invited to submit an honest review and offered a nominal incentive for their time and effort. All incentivized reviews are subject to our verification process prior to publication. [View all Reviews](https://www.capterra.com/p/10021630/Modern-Treasury/reviews/) ## Top-rated software of 2026 ### Fill out the form and we'll send a list of the top-rated software based on real user reviews directly to your inbox.