# Modern Treasury vs Rapyd

**Leader by Vioscale score:** Modern Treasury

| Attribute | Modern Treasury | Rapyd |
|---|---|---|
| **Vioscale score** | 67.1 (73% (medium)) | 35.9 (54% (medium)) |
| deployment.options | `{"cloud":true}` | `{"cloud":true}` |
| description.long | Infrastructure platform for fiat and stablecoin payments. One API across ACH, FedNow, wires, checks, and stablecoins with programmable accounts, real-time reporting, and ledger-based compliance. | Rapyd provides a developer-focused API for building payment acceptance and collection into applications. The platform supports multiple local and international payment methods, including card payments, bank transfers, and checkout functionality. |
| features.capabilities | `{"capability":"money_movement","money_rails":"ACH, Wire, Check, FedNow, Stablecoins","card_issuing":false,"geo_coverage":"Global (cross-border and multi-currency)","baas_accounts":true,"pricing_model":"usage","multi_currency":true,"target_segment":"platform","data_aggregation":true,"payments_acquiring":true,"payout_disbursement":true}` | `{"capability":"payments","pci_dss_l1":true,"money_rails":"Cards, bank transfers, local payment methods","card_issuing":false,"geo_coverage":"International with local payment method support","baas_accounts":false,"pricing_model":"usage","sdk_languages":"JavaScript, TypeScript, Flutter, C#, PHP, Elixir","multi_currency":true,"target_segment":"platform","soc_attestation":"none","data_aggregation":false,"psd2_open_banking":false,"payments_acquiring":true,"payout_disbursement":false}` |
| integrations.count | 30 | 4 |
| integrations.list | `[{"name":"Blue Ridge Bank"},{"name":"ACH"},{"name":"Wire"},{"name":"Check"},{"name":"FedNow"},{"name":"Stablecoins"}]` | `[{"name":"WooCommerce"},{"name":"Next.js"},{"name":"Postman"},{"name":"Flutter"}]` |
| market.availability | `{"hqCountry":"US","primaryMarkets":["US"],"availabilityScope":"global","availableCountries":[],"notAvailableCountries":[]}` | - |
| platform.support | `{"web":true}` | `{"cli":true,"web":true}` |
| pricing | `{"type":"usage","summary":"Usage-based pricing that scales with platform volume","sourceUrl":"https://www.moderntreasury.com","retrievedAt":"2026-08-13T16:47:44.335Z"}` | `{"type":"usage","plans":[{"free":false,"name":"Regional Processing","summary":"Transaction-based fees vary by country; administrative fees from USD 30/month if inactive","features":["Regional payment processing","Multi-currency support","Card acquiring","Payouts","Card issuing","Business accounts"],"commitment":"monthly","components":[{"of":"transaction","kind":"percentage","rate":3.49,"period":"transaction","currency":"USD"},{"of":"transaction","kind":"percentage","plus":{"amount":300,"currency":"COP"},"rate":3.29,"period":"transaction","currency":"COP"},{"of":"transaction","kind":"percentage","plus":{"amount":0.69,"currency":"PEN"},"rate":3.4,"period":"transaction","currency":"PEN"},{"kind":"fixed","amount":30,"period":"month","currency":"USD"}],"description":"Per-transaction and administrative fees vary by country and payment method","contactSales":false}],"summary":"Usage-based pricing with per-transaction percentages (3.29%–3.49%) plus regional administrative fees. Interchange++ model.","currency":"USD","freeTier":false,"sourceUrl":"https://www.rapyd.net","retrievedAt":"2026-08-03T11:56:10.044Z","startingPrice":{"amount":30,"period":"month","currency":"USD"},"billingPeriods":["month"]}` |
| pricing.free_tier | no | no |
| pricing.model | commercial | commercial |
| pricing.price_level | unknown | mid |
| pricing.transparent | yes | yes |
| reliability.sla_pct | 99.99 | - |
| reliability.status_page | yes | - |
| security.gdpr | yes | - |
| security.pci | yes | yes |
| security.soc2 | yes | - |

## Capabilities (Fintech Infrastructure)

| Capability | Modern Treasury | Rapyd |
|---|:--:|:--:|
| **Core** |  |  |
| Primary capability | Money movement | Payments/acquiring |
| **Capabilities** |  |  |
| Payments / acquiring | ✓ | ✓ |
| Card issuing | ✗ | ✗ |
| Banking-as-a-service / accounts | ✓ | ✗ |
| Data aggregation / open banking | ✓ | ✗ |
| Payouts / disbursements | ✓ | ✗ |
| Money movement rails (ACH, RTP, wire, card) | ACH, Wire, Check, FedNow, Stablecoins | Cards, bank transfers, local payment methods |
| **Coverage** |  |  |
| Multi-currency / cross-border | ✓ | ✓ |
| Geographic coverage (countries / regions) | Global (cross-border and multi-currency) | International with local payment method support |
| **Compliance** |  |  |
| PCI DSS Level 1 | - | ✓ |
| SOC 1 / SOC 2 attestation | - | None / unknown |
| PSD2 / Open Banking licensed | - | ✗ |
| **Developer** |  |  |
| SDK language coverage (Node, Python, Ruby, Java, Go) | - | JavaScript, TypeScript, Flutter, C#, PHP, Elixir |
| **Pricing** |  |  |
| Pricing model | Usage / per API call | Usage / per API call |
| **Market** |  |  |
| Target segment | Platform / marketplace | Platform / marketplace |

*Source: Vioscale. Generated 2026-09-01T16:51:34.246Z. "-" = undocumented, not absent.*