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Pricing is quote-based.
Modern Treasury lists no free plan or free trial. Its pricing is usage-based, with rates charged per transaction and varying by payment method: ACH starts at $0.25, RTP/FedNow at 1% plus $0.60, and stablecoin orchestration at 0.30%. The instant-payment rate is capped at $5, while the stablecoin rate has a $0.50 minimum. The vendor says annual terms are available, but publishes no monthly subscription or annualized price. Request a quote using your expected volumes and rails.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| ACH | — | Quote | Businesses sending or receiving ACH payments |
| RTP/FedNow | — | Quote | Businesses using instant payment rails |
| Stablecoin orchestration | — | Quote | Businesses moving money through stablecoins |
02What the plan grid doesn't tell you
Rail mix
Each payment method has a different published starting rate. Model expected transaction counts by rail instead of applying one rate to all payment volume.
Transaction minimums
Stablecoin orchestration lists a $0.50 minimum per transaction. Confirm how the minimum applies to your transaction sizes and use case.
Contract terms
Annual terms are available, but the vendor publishes no annualized price. Ask for the term, commitment, and billing details in your quote.
Other charges
The published rates do not establish whether other charges apply. Ask the vendor for a complete fee schedule, including any costs tied to your payment flows.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Businesses sending or receiving ACH | ACH | The listed starting rate is $0.25 per transaction, with the API, dashboard, and dedicated support included. |
| Businesses using instant rails | RTP/FedNow | The listed rate starts at 1% plus $0.60 per transaction and is capped at $5. |
| Businesses moving money through stablecoins | Stablecoin orchestration | The listed rate starts at 0.30% per transaction, with a $0.50 minimum. |
04Is Modern Treasury worth the money?
Modern Treasury is worth pricing out when your product needs several payment rails, programmatic accounts, compliance workflows, and ledgering behind one API. The published starting rates make it possible to build an initial transaction-cost model, but they are not a full quote. There is no free tier to validate the service without paying, and the vendor does not publish an annualized price or complete fee schedule. Compare your expected payment mix with a written quote before committing production volume.
Modern Treasury pricing FAQ
How much does Modern Treasury cost?
The pricing page lists ACH from $0.25 per transaction, RTP/FedNow from 1% plus $0.60 capped at $5, and stablecoin orchestration from 0.30% with a $0.50 minimum. Rates are usage-based. Ask the vendor for a quote based on your payment mix and expected volume.
Does Modern Treasury have a free tier?
No free plan or free trial is listed. The published prices are transaction-based, with different starting rates for ACH, RTP/FedNow, and stablecoin orchestration. Ask the vendor whether it offers any evaluation arrangement for your use case and what terms would apply.
Does Modern Treasury offer annual pricing?
The vendor says annual terms are available, but it does not publish an annualized price or monthly subscription amount. Pricing depends on payment method and usage. Request written terms that explain the contract period, billing basis, and any commitments tied to your quote.
Are there extra Modern Treasury fees?
The published pricing lists starting transaction rates, a cap for RTP/FedNow, and a minimum for stablecoin orchestration; it does not provide a complete fee schedule. Ask the vendor to confirm whether any additional costs apply to your rails, transaction types, or contract.