# Modern Treasury Software Pricing, Alternatives & More 2026 | Capterra > With the help of Capterra, learn about Modern Treasury Software - reviews, pricing plans, popular comparisons to other Financial Management products and more. Source: https://www.capterra.com/p/10021630/Modern-Treasury --- # Modern Treasury Software Review 2026: Features, Integrations, Pros & Cons Last updated on March 13, 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)[Features](#features)[Pricing](#pricing)[Support](#support)[Reviews](#reviews) Modern Treasury ## What is Modern Treasury? Modern Treasury is the operating system for money movement. With automatic reconciliation, faster payments, and real-time financial data, all assisted by AI, Modern Treasury is the partner of choice to advance your business in the new era of payments. ## 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/) Overall rating Based on 12 user reviews Reviews sentiment Positive \- Neutral \- Negative \- Contact vendor for pricing 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://digitalmarkets.gartner.com/get-listed/claim-bx?url=https://www.moderntreasury.com&name=Modern Treasury) ## 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 (12) VS. [4.6 (3,304)](https://www.capterra.com/p/123889/Stripe/reviews/) Starting Price Contact vendor Starting Price Contact vendor Free Trial Free Version Pricing Options Free Trial Free Version Ease Of Use 4.7 (12) Ease Of Use 4.5 (26,261) Value For Money 4.3 (12) Value For Money 4.4 (20,123) Customer Service 4.7 (12) Customer Service 4.2 (20,380) ## Modern Treasury alternatives [4.2 (1,991)](https://www.capterra.com/p/135757/NetSuite/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 85% of reviewers rated it above 4 stars [4.4 (3,269)](https://www.capterra.com/p/120109/Xero/reviews/) Starting price $25.00 Per User, Per Month Pricing Options Free Trial Free Version User Rating 88% of reviewers rated it above 4 stars [4.3 (606)](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 [4.4 (243)](https://www.capterra.com/p/96371/Acumatica-Cloud-ERP/reviews/) Starting price Contact vendor for pricing Pricing Options Free Trial Free Version User Rating 92% of reviewers rated it above 4 stars [View all alternatives](https://www.capterra.com/p/10021630/Modern-Treasury/alternatives/) ## Features Features with the highest number of reviews are displayed first. Those that have no reviews appear next, sorted alphabetically. Payment Gateway Integration 4.7 (7) 100.00% of 7 reviewers that rated this feature as important or highly important Integration with payment gateways to facilitate online transactions Transaction Monitoring 4.3 (7) 71.43% of 7 reviewers that rated this feature as important or highly important Monitor or audit historical and current transactions to analyze customer account activities Data Security 4.8 (6) 100.00% of 6 reviewers that rated this feature as important or highly important Protect sensitive data for digital privacy Real-Time Data 4.8 (6) 83.33% of 6 reviewers that rated this feature as important or highly important Receive data and information in real time Audit Trail 5.0 (3) 100.00% of 3 reviewers that rated this feature as important or highly important A record of all activities within the system, including user access, changes made, etc. Data Import/Export 4.3 (3) 100.00% of 3 reviewers that rated this feature as important or highly important Import and export data to and from software applications Modern Treasury 70 features Built-in accounting to manage ledger, accounts payable/receivable, financial reports, etc. Integrate with a third-party accounting system Track money owed to a company's creditors/suppliers Track outstanding invoices and the money owed from clients Accept electronic bank-to-bank transfers using a network called the Automated Clearing House (ACH) Dashboard to view the status of ongoing processes, identify current incidents and track past activities System alerts about the need to escalate an issue or request Alerts or notifications of various types such as pop-up messages, sounds, banners, or badges Application programming interface that allows for integration with other systems/databases Manage the process of evaluating documents or requests submitted for approval Plan, schedule, and execute organization's accounts and assets to ensure compliance with policies and laws A record of all activities within the system, including user access, changes made, etc. Compare and match accounting/financial records with corresponding bank statements Create, manage, and send invoices or bills to customers Monitoring, analysis, and projection of the movement of cash into and out of a business over a specific period Process of managing an organization's cash resources, including cash on hand, investments, and bank account balances Back-end system that processes daily banking transactions and posts updates to accounts and other financial records. Banking that services corporate customers, from SMBs to multinational enterprise corporations with large financial stakes. Record customer information, purchase history, and other notes Track and understand a customer's overall satisfaction with a product or service to identify areas of improvement. Add customized logos and colors to align with company branding Alter the layout and content of reports Import and export data to and from software applications Protect sensitive data for digital privacy Graphical representation of data Accept and process credit/debit card transactions Allows customers to check out with wallet payment methods that digitally store credit and debit cards Integrates with eCommerce systems Electronically collect payments for goods or services Evaluate units, projects, budgets, and other finance-related data to gauge their performance and potential risk Plan, manage, and track the financial activities of an individual or organization Generate reports to assess the financial performance of an organization Centralized accounting record which tracks all financial transactions Captures invoice data and maintains comprehensive records for auditing and reporting purposes Clients can submit payments via mobile devices Observe and track the demand, usage, progress or quality of a system, product, or user Manage and handle various international currencies Process payments via multiple modes directly through the application Ability to manage transactions online with a mobile device or computer. Accept and process online payment transactions Allow customers to make a partial payment on an invoice and track remaining debt Tools to prevent payment fraud, such as identity authentication, risk analysis, seller protection, etc. Integration with payment gateways to facilitate online transactions Send clickable links via text or email to collect payments from customers Reconcile payments with corresponding invoices or orders for accounting purposes Store, process, and transmit cardholder data in compliance with the Payment Card Industry Data Security Standard (PCI DSS) Overview of all programs that help compare initiatives, align projects with strategic goals and identify risk Analyze and gain insights into data in real-time Receive data and information in real time Active monitoring of systems, applications, or networks Active reporting of data and metrics Automated process of charging customers at regular intervals for repeated access or use of a product or service Collection, analysis, and representation of numerical data and generation of reports to understand various patterns View and track pertinent metrics to find patterns and gain insights from data Division of banks that focus specifically on retail customers. An accounting principle that identifies the specific conditions in which revenue is recognized and determines how to account for it. Set & manage permission levels based on user roles and restrict access to only authorized individuals Automates and streamlines business processes by creating a sequence of predefined rules and actions that govern the flow of work Search and filter data across systems to locate required information by entering keywords or certain criteria At least a username and password is required to access the system Develop, document, and implement policies & procedures to protect an organization's assets. Online portal through which end users can access the system, manage tasks, or obtain information Set up connections to third-party platforms to improve business processes Record of all transactions such as purchases, deposits, withdrawals and transfers within a specific period Manage, record and track all business exchanges in form of money and its related interactions in the system Monitor or audit historical and current transactions to analyze customer account activities Extra layer of security that requires not only a password and username but also something specific to that user Manage user accounts, profiles, roles, permissions, and other details across applications, devices or networks Interact with data visualization elements, such as charts and graphs, to drill down into data Create, design and manage workflows for repetitive tasks Get Advice We can help you find the software with the features you need. Features 4.4 (12) 4.4 Based on 12 reviews ## Pricing Value for money 4.3 (12) ### Starting price Contact vendor for pricing Free trial not available Value for money 4.3 (12) 4.3 Based on 12 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 (12) 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 (12) 4.7 Based on 12 reviews ## User reviews Overall rating 4.7 Based on 12 reviews Filter by rating 5(9) 4(2) 3(1) 2(0) 1(0) Mentioned topic Sorted by most recent 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. JK John K. Head of Revenue Accounting Financial Services ### "Best Treasury Management on the Market!" 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 12, 2024 Pros The UI is fantastic. Also it makes money movement very simple and it displays all of the necessary information without overcomplicating things. Cons Does not integrate with ERP systems and can get expensive quickly. 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. NI Nikki I. Operations Collections Specialist Food Production ### "Love Modern Treasury" 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 12, 2024 Amazing, easy to understand and reconciliation is easy to do. Pros I love the feature of being able to see incoming payments and returns even when they are in the pending status. Love how all the reports are so clear and easy to understand. Cons There’s nothing that I don’t like about MT. It’s been an amazing experience so far. 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/) Independent research methodology Capterra's researchers use a mix of verified reviews, independent research and objective methodologies to bring you selection and ranking information you can trust. While we may earn a referral fee when you visit a provider through our links or speak to an advisor, this has no influence on our research or methodology. [Learn more](https://www.capterra.com/resources/proprietary-data-research/) How Capterra verifies reviews Capterra carefully verified over 2.5 million+ reviews to bring you authentic software experiences from real users. Our human moderators verify that reviewers are real people and that reviews are authentic. They use leading tech to analyze text quality and to detect plagiarism and generative AI. [Learn more](https://www.capterra.com/resources/how-we-verify-reviews/) How Capterra ensures transparency Capterra lists all providers across its website—not just those that pay us—so that users can make informed purchase decisions. Capterra is free for users. Software providers pay us for sponsored profiles to receive web traffic and sales opportunities. Sponsored profiles include a link-out icon that takes users to the provider's website. [Learn more](https://www.capterra.com/resources/how-we-ensure-transparency/)