What We Do

Once upon a time, there were problems to solve in payments – not unlike today. The #paymentsgeeks of the past went out and solved the issues of the time often with bespoke software and proprietary platforms that really worked and therefore grew, and grew, and grew. Today, trillions of dollars of volume are running through these systems making it very very hard to do anything but build on top of the old infrastructure. Because of their massive adoption, continuing stability/viability, and high cost to replace, these legacy systems are not going anywhere any time soon. But the reality remains that the natural evolution of these decades old solutions has left us with siloed, unconnected, disjointed and proprietary systems that create a ton of friction and inefficiencies when new entrants and existing players attempt to innovate and bring new functionality to payments today.

Integration vs Interoperability

Much of the industry is attempting to solve these innovation issues in payments with integrations. We hate to break it to you, but piecing together integration after integration is not a happy path to innovation.

Integrations happen one system at a time and require multiple updates over the lifetime of the partnership with that system. This approach results in high cost and significant effort to care and feed for the integration while only guaranteeing functionality as long as the system you integrate with never changes. Integrations require you to limit your ambitions in combining payment systems capabilities to only those that you can build a “perfect” business case on, and ultimately limits continued attempts at innovation.

Since integrations are neither efficient nor cost effective, the industry needs to begin looking towards interoperability between systems to solve these friction problems.

Interoperability allows for:

  • Secure control over the access and use of payment data, even when exchanging it with partners
  • Single point of connection for payment data exchange which accelerates time to market, scalability, and partner flexibility
  • Insulation from change in partner requirements as Modo handles it all
  • Increased partner choice as Modo provides more endpoints and becomes the broadest payments utility to connect payment systems
  • Total control of funds as Modo is a technology solution, not a financial service provider, and does not hold or move money


Modo is the better, faster way to connect payment systems.


Modo’s technology is run in the cloud which enables scalability and redundancy of your payments data. We insulate you from changes in APIs and other partner requirements over time – and allow you to change partners whenever you want. No more multitudes of one-by-one integrations.


Modo’s cloud-based utility allows us to move several orders of magnitude faster and significantly reduces time to market. We’re leveraging existing infrastructure; we’re not trying to reinvent the wheel. No changes are required to get connected with the systems you want – we don’t have a standard and we don’t make you conform to our rules. Let us know where you want to go, and we’ll get you there.

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