Modern
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Payments

B2B payments, one click from every invoice

Modern gives every customer the payment option that suits them, sends each payment down the rail that protects your margin, and ties it back to its invoice automatically.

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Works with

  • Microsoft Dynamics 365
  • NetSuite
  • SAP
  • QuickBooks
  • Sage
  • Stripe
  • Chase
  • Bank of America
  • Plaid
  • Kyriba
  • Workday

and +100 others

Why AR teams pick Modern

Your rails stay put. Modern does the routing.

  • Bring the processors you run today

    Modern routes payments across your current providers. You're never locked in.

  • Customers keep their usual payment methods

    Card, ACH, wire and check all stay on the menu.

  • Your books stay in sync

    Each payment posts to your ERP and AR ledger. No cleanup afterwards.

How it works

From invoice to cash, in one loop

Send

Every reminder carries a way to pay. Modern adds a pay link to each email, text and post-call follow-up, so customers can pay right away. Nobody has to look up bank details or a remit-to address.

Pay

Customers pick ACH or card, pay on a secure hosted page, and get confirmation straight away.

Route

Modern sends each payment through the processor that fits the customer's preferred method and your cost, moving more volume away from 2.5–3.5% card interchange.

Match

Every Modern payment arrives already knowing its invoice. Each link is scoped to that invoice, so the cash is matched and posted as soon as it lands.

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Made for enterprise

Minus the long
enterprise rollout

Card data stays with PCI-compliant processors and is never stored by Modern. Everything is encrypted at rest and in transit, sign-in runs through SSO/SAML, and every payment is logged, so money only goes where it should. Our SOC 2 audit is underway.

  • Audit trail on every action
  • Checks in before new steps
  • PII encrypted and tokenized
  • Role-based access control
  • Live in days
  • 99.9% uptime SLA
  • Nothing to rip out
  • Works with your ERP
  • Enterprise SSO support
  • Vault BYOK: your keys, your KMS

FAQs

Frequently
Asked Questions

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ACH and card. Buyers use whichever method suits their AP process, and Modern tracks which one each customer prefers.

Any collections email or text can include a pay link tied to the exact invoices it covers. A single click opens a hosted checkout where the customer pays by ACH or card and is confirmed instantly.

Payee and bank details are verified and held on Modern’s side, so no sensitive details travel in emails or PDFs. Every payment goes to the verified account, which shuts out invoice-swap fraud.

Card interchange costs 2.5% to 3.5%. On a thin-margin order, that can exceed the profit on the sale. Modern nudges the payment mix and steers volume toward cheaper rails like ACH.

Returned ACH payments, NSFs and card declines each restart collection. Retries are part of the collections cadence, which means a failed payment is picked up by the follow-up sequence already running.