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Payments
Payment Initiation Tools
Modica supports payment initiation for our enterprise customers via API or through our Request to Pay tools in our CPaaS platform. This can take the form of Payment enabled messaging links pushing consumers to checkout or landing pages to select the payment method of choice, through to Open Banking Embedded payment flows.
Request to Pay (R2P)
Through our web based platform tools, customers can send digital payment requests to a mobile number allowing customers to pay using their preferred banking app, payment method, or digital wallet.
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API based push payments
Our suite of APIs enable automated payment request generation with payment links or direct account-to-account (A2A) payment requests through Open Banking (where available). Customers who open this link are redirected to a hosted payment page or straight into their banking application where payments are pre-setup for approval.
Mobile originated Payments
Empower your customers to make payments on the go with our seamless mobile originated payment solution, allowing them to simply send a text message or scan a QR code to complete transactions instantly. Boost your business efficiency and customer satisfaction by offering flexible payment options through SMS, QR codes and more, meeting your customers exactly where they are—with their mobile devices already in hand.
Payment Methods
Our hosted payments pages support a number of payment methods that can be categorised into Credit Card, Bank Payments, Buy now pay later, wallets, and vouchers. Crypto payments can also be supported. This enables you to offer the relevant payment methods for your business model and region and directly and through our partners we can support over 100+ payment methods
Open Banking as a Service
Our Open Banking-as-a-Service (OBaaS) platform enables fintechs, banks, corporates, and government agencies to access and embed powerful financial functionality into their digital channels via secure APIs and our hosted Request to Pay pages. Built to align with local industry standards and evolving consumer data rights legislation, our platform provides comprehensive capabilities across account access, payments, and value-added features.- Initiate real-time payments via direct bank rails
- Reduce reliance on card networks and interchange fees
- Enhanced payer authentication and consent flow
- Support future-dated and repeat payment setups
- Smart reconciliation and status tracking
Account Information Services (AIS)
Securely retrieve and analyse customer banking data across participating financial institutions via API or through our Web Based Number Lookup tooling. Note that all lookups of personal information require consent from the account holder.- Confirm ownership and validity of bank accounts
- Retrieve account holder name, account number, and bank branch details
- Reduce fraud and errors in onboarding and payment processes
- Access real-time or periodic account balances
- Pull transaction data with categorisation, filtering, and enrichment
- Consolidated view of financial data across multiple banks
- Ideal for personal finance management, SME accounting, and financial coaching
- Confirm bank account number, home address, email, and phone number
- Lookups via API and Webform
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Mobile Payment Benefits
Digital payment services via CPaaS has a range of use cases, including:
- Seamless billing and payments without needing stored credentials or card/bank information
- Improved payment certainty and collection rates with reduced disputes
- Full audit trail and customer consent records
- Multi language & currency payment information
- Paper and email invoice replacement
- Reduce abandoned cart rates
- Easy set up for low tech customers
- Safe and secure technology
