Modulr vs Railsr

Modulr6.9Visit Railsr6.9Visit

Modulr #6 in Banking-as-a-Service Platforms 6.9/10 Pricing on request ✓ 4 of 4 features Visit Modulr

vs

Railsr #7 in Banking-as-a-Service Platforms 6.9/10 Free plan · pricing on request Free plan✓ 4 of 4 features Visit Railsr

• Modulr fits best

  UK and EEA accounts, payments and cards

• Railsr fits best

  Teams wanting a free sandbox before launch

Advertiser disclosure: iTechGuides is reader-supported. We may earn a commission when you click some links. How we rank.

Side by side

Feature	Modulr 6.9/10 Visit ↗	Railsr 6.9/10 Visit ↗
At a glance
Editor score	6.9	6.9
Ranking	#6 in Banking-as-a-Service Platforms	#7 in Banking-as-a-Service Platforms
Best for	UK and EEA accounts, payments and cards	Teams wanting a free sandbox before launch
Pricing model	Paid	Free plan + paid
Starting price	Not published	Not published
Free plan	Not published	✓ (best)
Free trial	—	—
Deployment	Cloud	Cloud
Platforms	Web	Web
Support	Email, Live chat, Phone, Docs	Tickets, Email, Docs
Compliance	GDPR, SSO/SAML, 2FA	GDPR
Integrations	7 integrations	6 integrations
Built for	Small business, Mid-market, Enterprise	Small business, Mid-market, Enterprise
Features Modulr 4/4 · Railsr 4/4
Card issuing	✓	✓
Embedded accounts	✓	✓
KYC/AML tools	✓	✓
Ledger	✓	✓
Specs
Payment rails	Faster_payments	Not published
Supported regions	UK, EEA, US	UK, Europe, France, Lithuania, Poland, Malaysia
Our review
Pros	Supports Faster Payments, Bacs, SEPA, CHAPS and SWIFT flows Combines virtual and physical Visa and Mastercard card issuing Includes reconciliation, ledger synchronisation and accounting integrations	Free Learn and Play Sandbox plans for early API work Covers accounts, wallets, transfers, FX, cards and AML monitoring Supports Visa, Mastercard, SEPA, SWIFT and UK payment rails
Cons	Pricing is custom and requires contact with Modulr Product availability can vary by entity and jurisdiction API-led deployments require integration work alongside portal access	Live plans add restrictions before a full MVP launch Paid subscription pricing uses a contact-sales model The platform is focused on businesses building financial products
Our verdict	Modulr is a regulated, API-led payments platform for businesses, financial technology companies and software providers. It supports embedded payment accounts, local UK and EEA account numbers, local IBANs, virtual and physical cards,… Read the review →	Railsr is an embedded finance platform for fintechs, brands, retailers, sports organizations and other businesses building financial products. Its APIs and operational infrastructure cover embedded banking and wallets, account details,… Read the review →

Strengths and trade-offs

• Modulr — where it wins

  • Supports Faster Payments, Bacs, SEPA, CHAPS and SWIFT flows
  • Combines virtual and physical Visa and Mastercard card issuing
  • Includes reconciliation, ledger synchronisation and accounting integrations

  Where it doesn't

  • Pricing is custom and requires contact with Modulr
  • Product availability can vary by entity and jurisdiction
  • API-led deployments require integration work alongside portal access

• Railsr — where it wins

  • Free Learn and Play Sandbox plans for early API work
  • Covers accounts, wallets, transfers, FX, cards and AML monitoring
  • Supports Visa, Mastercard, SEPA, SWIFT and UK payment rails

  Where it doesn't

  • Live plans add restrictions before a full MVP launch
  • Paid subscription pricing uses a contact-sales model
  • The platform is focused on businesses building financial products

• Modulr6.9/10 · Pricing on request

  A UK- and EEA-focused platform for embedded accounts, cards and payment flows.

  Visit ModulrFull verdict →
• Railsr6.9/10 · Free plan · pricing on request

  A broad embedded-finance API with free learning and sandbox environments before launch.

  Visit RailsrFull verdict →