6B are trusted engineering partners for organisations adopting Modulr’s API-first payments infrastructure. We provide reliable connectivity to Modulr’s Accounts, Payments, Mandates, and Cards APIs, ensuring seamless orchestration of payment flows, compliance processes, and customer onboarding journeys. From initial discovery and regulatory readiness to build, testing, deployment, and long-term support, we ensure your solution integrates smoothly and securely into the Modulr ecosystem.
Our mission is to help organisations launch modern financial experiences quickly and confidently by leveraging Modulr’s real-time payment capabilities and secure embedded finance infrastructure.
Understanding Modulr Integration
Modulr is a leading embedded payments platform offering real-time payments, virtual accounts, automated workflows, and access to key UK and European payment schemes, including Faster Payments, SEPA, BACS, and Direct Debit. Its API-driven infrastructure enables flexible payment automation, instant payouts, account creation, expense control, and card issuing through Modulr-powered programmes.
A Modulr integration allows your system to create customer accounts, manage balances, initiate payments, process Direct Debits, receive webhooks, and reconcile financial events programmatically. Modulr also supports embedded compliance workflows including KYC, AML, and fraud controls, enabling regulated and non-regulated organisations to launch compliant financial products with reduced operational overhead.
Integrating with Modulr requires secure API communication, event-driven processing, strong authentication, and alignment with regulatory requirements outlined by Modulr and partner financial institutions. A robust integration supports scalable transaction volume, real-time visibility, and seamless customer experiences across a broad range of use cases.
Our Modulr Integration Process
Our Modulr integration process begins with a detailed discovery phase to define your payment workflows, compliance requirements, and product objectives. We identify the Modulr API endpoints you need — such as Accounts, Payments, Mandates, Cards, or Reports — and map them to your operational processes. This ensures your integration aligns with Modulr’s technical standards and your financial product design.
Once requirements are captured, we design a secure, scalable architecture for your Modulr integration. This includes API authentication flows, webhook processing pipelines, virtual account management, payment initiation paths, Direct Debit workflows, and exception-handling logic. Our architects ensure the solution meets Modulr’s security expectations, including encryption, audit logging, and role-based access control.
Development is accelerated using 6B’s reusable integration components, including secure API clients, webhook handlers, event routers, reconciliation modules, and account creation utilities. These components enable efficient delivery while maintaining resilience and compliance. Throughout development, we embed strong monitoring, error-handling, and retry logic to support high-volume financial operations.
During testing, we simulate account creation, payment initiation, Direct Debits, card activity, webhook events, error states, and reconciliation scenarios. We work closely with Modulr to complete onboarding, sandbox testing, and production activation. Once live, we implement real-time monitoring, alerting, auditing, and optimisation to maintain stable performance and support evolving product needs.
Our team also provides long-term support to ensure your integration remains aligned with Modulr API updates, regulatory requirements, and new features as they are released.
Benefits of Modulr Integration
Integrating your system with Modulr unlocks real-time, automated, and highly scalable payment capabilities that support modern digital financial experiences. Virtual account creation enables granular control over customer funds, reconciliation, and financial routing, while instant payments improve speed and customer satisfaction across lending, payroll, expense management, and marketplace platforms.
Modulr’s automated workflows reduce manual intervention and operational risk by streamlining compliance checks, balance updates, account funding, and transaction monitoring. Integration with multiple payment schemes – including Faster Payments, SEPA, and BACS – provides comprehensive flexibility for domestic and European transactions.
Direct Debit functionality supports subscription billing, loan repayments, and payroll workflows, while card issuing enables innovative spend management, corporate card programmes, and embedded finance solutions. Real-time webhooks ensure your system remains up-to-date with account changes, payment statuses, and reconciliation events.
As your organisation grows, Modulr provides the scalability, reliability, and compliance infrastructure necessary to support increasing transaction volumes, regulatory complexity, and expanding customer needs.
Why Choose 6B for Modulr Integration?
We have practical experience integrating Modulr’s Accounts, Payments, Mandates, and Cards APIs for fintechs, lenders, and payment platforms.
Our reusable components — including secure API clients, webhook processors, and reconciliation modules — accelerate delivery and ensure robust integration patterns.
We understand regulatory and security requirements across UK and EU payments, including FCA expectations, PSD2 rules, and AML/KYC workflows.
Our integrations incorporate strong authentication, encrypted communication, granular access control, audit logging, and continuous monitoring.
6B offers an end-to-end service, from architecture and development to testing, deployment, and ongoing optimisation, ensuring long-term stability and compliance.
Modulr Integration FAQs
What can Modulr be used for?
What can Modulr be used for?
Modulr enables real-time payments, virtual account creation, Direct Debits, card issuing, and automated financial workflows. It supports a wide range of use cases including lending payouts, payroll automation, expense management, marketplace payments, subscription billing, and embedded finance products.
Do we need to be a regulated entity to use Modulr?
Do we need to be a regulated entity to use Modulr?
Not always. Modulr provides embedded compliance, allowing many organisations to operate without holding their own regulatory licence. However, certain use cases may require additional regulatory checks or approvals. We help clarify requirements during discovery.
What payment schemes does Modulr support?
What payment schemes does Modulr support?
Modulr provides access to major UK and EU payment schemes including Faster Payments, SEPA, and BACS. This enables both instant and scheduled payments across domestic and European markets.
Can Modulr integration support virtual and segregated accounts?
Can Modulr integration support virtual and segregated accounts?
Yes. Modulr enables the creation of virtual accounts and sub-accounts for individual users, merchants, or partners. We integrate these account structures into your reconciliation, balance tracking, and financial routing workflows.
Does Modulr support Direct Debit collections?
Does Modulr support Direct Debit collections?
Yes. Modulr offers Direct Debit mandate creation, management, collections, and automated handling of returns and failures. We design end-to-end SDD and UK DD flows as part of the integration.
How does Modulr handle incoming notifications and updates?
How does Modulr handle incoming notifications and updates?
Modulr uses webhooks to notify your system of events such as payments, account changes, mandates, or card activity. We build secure webhook pipelines to ensure events are processed reliably and in real-time.
How long does a Modulr integration project typically take?
How long does a Modulr integration project typically take?
Timelines vary depending on your operational workflows, API footprint, and onboarding requirements. Most projects take from several weeks to a few months, including discovery, development, testing, and production activation with Modulr.
Do you provide support after go-live?
Do you provide support after go-live?
Yes. We offer ongoing monitoring, webhook management, performance tuning, security updates, and alignment with Modulr API changes or new feature releases to ensure long-term reliability.
Estimate the Cost of Your Modulr Integration Project
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Thank you for your request! 🙌 We will review your project and get back to you within 24 hours to share a ballpark estimate.
Want to speak to someone today? Call 6B on 0113 350 1290.
Readiness Checklist for Modulr Integration
- Define your payment use cases (instant payouts, Direct Debits, virtual accounts, card issuing, reconciliation).
- Confirm whether your organisation requires regulatory approval or Modulr’s compliance onboarding.
- Document how customers will be onboarded and verified (KYC/KYB flows).
- Identify which Modulr APIs you need and map them to your system workflows.
- Establish how webhook events will be processed and routed within your platform.
- Prepare system architecture showing how Modulr accounts, payments, and events will interact with internal systems.
Speak To Our Modulr Integration Experts
Whether you're developing a new digital financial services product or extending an existing solution with Modulr integration, 6B brings the technical expertise, financial services insight, and experience needed to accelerate delivery.
