Modulr MCP. Automate B2B Payments & Ledger Audits
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Modulr MCP Server controls European and UK payment volumes directly from your agent. It handles everything from provisioning complex B2B accounts to executing massive HMAC-secured payments across SEPA and Faster Payment rails.
You'll use it to create Modulr customers, map beneficiaries, and audit transaction histories against live ledgers.
What your AI agents can do
Modulr create account
Creates a new UK or EU denominated account for an internal customer.
Modulr create beneficiary
Maps and registers an external recipient using their IBAN or Sort Code.
Modulr create payment
Triggers a direct outgoing payment, supporting Faster Payments and SEPA transfers.
Provision new, deeply structured UK/EU accounts and manage underlying customer entities using the modulr_create_account tool.
Link external recipients to your system by mapping their specific Sort Code or IBAN using the modulr_create_beneficiary tool.
Initiate outgoing funds transfers—whether a Faster Payment or SEPA payout—by calling modulr_create_payment.
Retrieve an overview of all active accounts and the mapped liquidity status using modulr_get_accounts.
View and manage the underlying legal customer or corporate entities associated with your Modulr account via modulr_get_customers.
Pull a full, chronological audit of transactions for a specific account using modulr_get_transactions.
Get the current status and history of large arrays of payments to check for failures or settlements via modulr_list_payments.
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Modulr MCP Server: 7 Tools for Payment & Ledger Ops
Execute payments, manage B2B accounts, and audit transaction histories using the full suite of Modulr payment tools.
019d75d7modulr create account
Creates a new UK or EU denominated account for an internal customer.
019d75d7modulr create beneficiary
Maps and registers an external recipient using their IBAN or Sort Code.
019d75d7modulr create payment
Triggers a direct outgoing payment, supporting Faster Payments and SEPA transfers.
019d75d7modulr get accounts
Retrieves a list of all active accounts and their current mapped liquidity status.
019d75d7modulr get customers
Lists the underlying legal customer or corporate entities within your Modulr account.
019d75d7modulr get transactions
Fetches a detailed, historical record of all transactions for one specific account.
019d75d7modulr list payments
Checks the status and history of large batches of payments you've initiated.
Choose How to Get Started
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Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
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What you can do with this MCP connector
Modulr MCP Server gives your agent direct access to European and UK payment infrastructure. You can run complex financial operations—everything from setting up B2B accounts to sending massive payments across SEPA or Faster Payment rails. Your agent handles the heavy lifting, letting you manage Modulr customers, map beneficiaries, and audit transaction histories against live ledgers without writing a single line of boilerplate code.
Creating Accounts and Managing Entities
You'll use the modulr_create_account tool to provision new UK or EU denominated accounts for your internal clients. This lets you build out deeply structured B2B account systems, which is crucial when managing multi-layered corporate structures. If you need to know who owns those funds, calling modulr_get_customers lists the underlying legal customer or corporate entities associated with your Modulr account.
You can always check the health of all accounts and see their current mapped liquidity status by running modulr_get_accounts, giving you an immediate overview of where the money sits.
Mapping Recipients and Executing Payments
When it comes to sending cash, you've got a couple of steps. First, you map external recipients using modulr_create_beneficiary. You just need to feed the tool their specific IBAN or Sort Code, and it registers them in your system. Once that recipient is mapped, you trigger an outgoing funds transfer by calling modulr_create_payment.
This single tool covers both Faster Payment payouts for UK transfers and full SEPA transfers across Europe. You're initiating a direct payout on command.
Auditing Transactions and Monitoring BatchesnTo keep tabs on what happened, you check the historical record of transactions for any specific account using modulr_get_transactions. This pulls up a complete, chronological audit trail—you can see exactly when money moved and where it went. If you've initiated large groups of payouts at once, calling modulr_list_payments gives you the current status and full history of those payment batches, letting you check for failed transfers or confirm settlements across the board.
How It Works Under the Hood
The server operates with serious security. You generate your API Key Profile and the underlying Secret Hash from the Modulr Finance admin interface. Vinkius doesn't just use that hash like a simple password; it applies a cryptographic hash that generates Nonces and Date Timestamps every single time your agent calls a tool.
This process validates everything accurately with the European servers, making sure only authorized agents can trigger those financial actions against the live ledger. Your AI client then takes over, calling specific tools—like modulr_create_payment or modulr_get_accounts—to execute whatever financial action you need done.
How Modulr MCP Works
- 1 First, you must generate your API Key Profile and Secret Hash from the Modulr administrative interface.
- 2 Second, when your agent calls a tool (e.g.,
modulr_create_payment), Vinkius automatically applies cryptographic hashing to the call data to create Nonces and Date Timestamps for authentication. - 3 Finally, the request is sent to the European server rails, which processes the payment or ledger operation and returns the confirmed status.
The bottom line is, your agent talks to Modulr via a secure API layer that handles all the complex cryptographic signing required for live payments.
Who Is Modulr MCP For?
This setup is for FinTech developers and Operations Engineers who manage cross-border B2B payments. If your job involves moving money—payroll, vendor payouts, or lending funds—and you're sick of manually checking multiple dashboards for status codes, this is for you. It lets your agent handle the ledger work.
Running daily reconciliation checks by calling modulr_get_transactions across dozens of accounts to find discrepancies.
Building automated onboarding flows that first call modulr_create_account and then map the corresponding beneficiary using modulr_create_beneficiary.
Generating audit reports by scripting calls to modulr_get_customers and cross-referencing them with payment histories from modulr_list_payments.
What Changes When You Connect
- Full Payment Lifecycle Control: You don't just send money. Your agent can manage the whole flow: using
modulr_create_accountto set up a new entity, then callingmodulr_create_beneficiary, and finally triggering payments withmodulr_create_payment. It handles the multi-step process for you. - Deep Ledger Visibility: Need to know exactly where the money is? Use
modulr_get_accountsto check overall liquidity, then drill down into specific history usingmodulr_get_transactions. You get real-time audit data without manual API calls. - Compliance and Audit Readiness: Instead of manually compiling reports, your agent can run
modulr_list_paymentsto check massive payment arrays. It flags settlements or failures automatically, making reconciliation faster than ever. - B2B Structure Management: Forget simple flat records. The server allows you to manage nested customer structures using
modulr_get_customers, ensuring that payments always route through the correct legal entity ledger. - Faster Payment Execution: Payments are routed securely across European and British rails (SEPA, Faster Pay). Your agent executes these transfers with full HMAC-security, minimizing manual intervention and maximizing speed.
Real-World Use Cases
Onboarding a New Vendor
Problem: A new vendor needs to be paid. Manually, you'd create the entity in one system, then map their bank details in another, and finally get a payment ID. Solution: Your agent first calls modulr_get_customers to check existing entities. Then, it uses modulr_create_account to set up the required B2B account, followed by modulr_create_beneficiary to map their IBAN. Finally, one call to modulr_create_payment sends the funds.
Daily Payroll Reconciliation
Problem: It's end of month, and payroll needs checking. You need to verify that every planned payment actually settled correctly. Solution: Your agent calls modulr_get_accounts to list all active operational accounts. Next, it runs modulr_list_payments across the whole array to confirm successful settlements or identify any blocked payments for follow-up.
Auditing Suspicious Transactions
Problem: A client reports an unaccounted withdrawal. Manually, you'd have to search through multiple transaction logs and cross-reference the dates. Solution: Your agent takes the account ID and runs modulr_get_transactions. It pulls a complete audit history, allowing it to pinpoint exactly when the funds left and which specific beneficiary was targeted.
Corporate Restructuring
Problem: The company merged with a subsidiary that has its own legal entity structure. You need to list all connected customers to ensure no payments are missed or misrouted. Solution: Your agent runs modulr_get_customers to pull the complete list of underlying corporate entities, validating all operational nodes before payment routing can resume.
The Tradeoffs
Trying to send payments without setup
Calling modulr_create_payment with just a raw IBAN. This fails because the system needs to know which legal account the money is coming from, and where it's going.
→
You must first establish the source using modulr_get_accounts to confirm liquidity, then use modulr_create_beneficiary to map the destination correctly. Only after that sequence can you call modulr_create_payment.
Checking a single transaction status
Only calling tools one by one when checking 20 payments (e.g., run modulr_get_transactions twenty times). This is slow and prone to failure.
→
For large batches, use the efficiency of modulr_list_payments. It's designed specifically to check the status of massive payment arrays in one go.
Assuming an account exists
Attempting a payment on an account that hasn't been provisioned yet. The API call will fail, wasting cycles and delaying payments.
→
Always start by calling modulr_get_accounts or use modulr_create_account first to confirm the ledger is active before attempting any payouts.
When It Fits, When It Doesn't
Use this server if your job involves managing money movements across complex, regulated B2B ledgers (SEPA/UK rails). The key strength here is its ability to handle multi-step processes: Account Creation -> Beneficiary Mapping -> Payment Initiation. If you need to run a full payroll cycle or reconcile an entire client portfolio against live funds, this is the tool. Don't use it if your goal is simple data storage or basic messaging; those require different types of integrations. If all you need is to read public exchange rates, don't use Modulr—that’s outside its scope. However, if you are reading a ledger and spotting anomalies, this server gives you the precise tools (modulr_get_transactions, modulr_list_payments) to solve it.
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Modulr Finance. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
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Works with Claude, ChatGPT, Cursor, and more
The Model Context Protocol standardizes how applications expose capabilities to LLMs. Instead of operating in isolation, your AI gains direct access to external platforms, live data, and real-world actions through secure, standardized connections.
This server provides 7 capabilities that interface natively with Claude, ChatGPT, Cursor, and any MCP client. No middleware. No custom integration required.
Available Capabilities
Tracking payments used to be an absolute mess of dashboards.
Today, if a payment failed or you needed to reconcile a vendor payout, you'd open the main ledger dashboard. Then, you’d jump over to the Beneficiary management screen, copy the ID, and finally switch tabs to the Transactions tab just to get a status code. It takes five clicks and three different systems, guaranteeing context switching errors.
With this MCP server, your agent handles that whole mess in one go. You tell it: 'Check vendor X's last payment.' The tool chain executes `modulr_get_transactions` and returns the full audit log instantly. No tabs to switch, no copy-pasting IDs—just a clean answer.
Modulr MCP Server: Run B2B Payments from Chat
You no longer need an engineer writing boilerplate code every time you run payroll. The agent handles the whole lifecycle—it checks if funds are available (`modulr_get_accounts`), sets up the payment recipient (`modulr_create_beneficiary`), and then fires the SEPA payout using `modulr_create_payment`. It's a three-step process, done natively.
What’s different now is that you stop thinking in terms of APIs and start thinking in plain English instructions. The platform manages the complexity behind the scenes—the HMAC signatures, the nonces, the rail routing. It just works.
Common Questions About Modulr MCP
How do I check my account balance using modulr_get_accounts? +
You call modulr_get_accounts. This tool returns a list of all active accounts and their current mapped liquidity status. It gives you the high-level view necessary to know if you have funds before sending money.
Can I send payments using modulr_create_payment? +
Yes, modulr_create_payment triggers outgoing transfers through Faster Payment or SEPA. You must ensure the destination beneficiary is first mapped using modulr_create_beneficiary.
What if I need to check many payment statuses at once? Should I use modulr_list_payments? +
Yep, that's exactly what modulr_list_payments is for. It checks the status of large arrays of payments efficiently, which saves you from running multiple individual checks.
What’s the process for adding a new customer? Do I use modulr_get_customers? +
modulr_get_customers only lists existing entities. To add a new one, you need to call modulr_create_account first. That establishes the actual ledger node.
How does the system ensure payment security when I use `modulr_create_payment`? +
The payments are secured by HMAC SHA-256. Vinkius handles this by generating Nonces and Date Timestamps for every tool call, ensuring authentication with European rails is accurate.
What information must I provide when using `modulr_create_beneficiary`? +
You need the recipient's full details, including their IBAN or Sort Code. This tool maps an external account so you can pay them later.
If a payment fails, how do I find out why using `modulr_get_transactions`? +
The transaction history includes specific status flags and error codes for failures. You'll need to review the ledger entry details to pinpoint the exact issue.
Can `modulr_list_payments` handle audit requests covering months of data? +
The tool handles massive payment arrays, but large datasets require chunking. You'll need to specify date ranges or use iterative calls for full history coverage.
Modulr requires complex timestamped HMAC API Signatures, how does the prompt handle that? +
We handle that completely in the background Engine! The Vinkius runtime grabs your static API Secret from configurations once. Then, every time the Language Model triggers a payment, our Node.js runtime creates random cryptographic hex Nonces, aligns current UTC Date limits, hashes the combination uniquely via SHA-256 and packs it into the underlying header dynamically natively.
Can the Agent generate new SEPA/UK Accounts? +
Yes, using modulr_create_account, you can spawn multiple isolated UK GBP ledgers natively linked to customers.
Are cross-border Faster Payments supported natively? +
Absolutely. You can inject external sorts codes inside the modulr_create_payment orchestrations delivering funds transparently via clearing houses.
Use it with your favorite AI tools
Connect this server to Cursor, Claude, VS Code, and more.
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