Payment infrastructure for European platforms.
Modena is a developer-first EU Payment Institution. Collect, hold, split and pay out money across the EEA — with KYC, KYB and segregated client accounts handled for you.
- Coverage
- 30 EEA markets
- Compliance
- PSD2 · 6AMLD
- Uptime
- [99.XX%]
"color:#FFE66D">$ curl https://api.modenapay.com/v1/payins \
"color:#FFE66D">-u sk_test_••••: \
"color:#FFE66D">-d amount=12000 \
"color:#FFE66D">-d currency=eur \
"color:#FFE66D">-d payment_method=sepa_credit \
"color:#FFE66D">-d wallet=wal_4f9c3a \
"color:#FFE66D">-d reference="Order #4281"Status
201 Created
Latency
[~90ms]
Idempotent
Yes
Building with teams across the EU
What's flowing through Modena right now.
An illustrative view of pay-ins, payouts, splits, KYC verifications and webhook fan-out across all 30 EEA markets. Same shape as your production stream.
14,328
tx / min
Median, last 60s
€0.02M
EEA-wide
Pay-ins + payouts settled
4,238,019
across 30 markets
Segregated client accounts
Everything a marketplace or platform needs to move money in the EU.
Replace three vendors and a compliance contract with one regulated, EU-native API.
Pay-ins
Cards, SEPA Credit Transfer, SEPA Direct Debit, iDEAL, Bancontact, Blik, Swish, Trustly — one integration, EEA-wide coverage.
Learn morePayouts
Mass payouts to sellers, creators and partners across the EEA. Batched SEPA, instant SEPA (SCT Inst), same-day settlement.
Learn moreKYC & KYB
Automated identity verification for individuals and businesses. 5AMLD / 6AMLD compliant. Ongoing monitoring included.
Learn moreE-wallets
Segregated virtual accounts per user. Escrow-style holds, split routing and programmable ledger logic for marketplaces.
Learn moreRegulated. Safeguarded. Auditable.
We run the PI license and the AML programme so your team doesn't have to.
EU Payment Institution
Licensed in Estonia and passported across the EEA.
PSD2 & SCA
3-D Secure 2, dynamic linking, risk-based exemptions.
5AMLD / 6AMLD
KYC, KYB, ongoing monitoring, sanctions & PEP screening.
Segregated funds
Client funds held separately in EU credit institutions.
EU data residency
GDPR compliant. Encryption at rest and in transit.
Built for teams that ship. Not for the 2010s PI stack.
Legacy EU Payment Institutions were built before marketplaces existed. Modena is built for them.
Who builds on Modena
If money has to land in one wallet, be held, split and paid out — you're in the right place.
Online marketplaces
Collect from buyers, hold in escrow, split commission, settle sellers — fully compliant.
Explore verticalCrowdfunding
Hold pledges until goals are hit, refund automatically, pay out compliantly to campaign owners.
Explore verticalGig economy
Onboard workers in minutes. Wallet per worker. Same-day payouts across the EEA.
Explore verticalReady to talk to engineers, not account managers?
Tell us about your platform. We'll come back inside one business day with a scoped plan.