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FAQsModica Payments: Flexible Payment Solutions
Turn customer communications into payment journeys
Modica Payments brings communications and payments together, helping organisations make it easier for customers to pay.
Communications and payments, on one platform
Create secure hosted payment experiences, send personalised payment requests through messaging channels, or enable customers to initiate payments themselves. Modica provides the payment experience and orchestration while connecting to supported payment providers for transaction processing.
From collecting a one-off payment from an individual customer, through to payment collection campaigns and automated collections workflows, Modica Payments can support a wide range of customer payment journeys.
linkPayment Links
A simple, secure way to accept payments anywhere you can share a link
Payment Links provide a branded, Modica-hosted payment page and checkout experience without requiring you to build or operate your own checkout application.
Create a payment link for the amount you need to collect and use it on your website, in an SMS or email, behind a QR code, within a customer portal, or as part of an existing business workflow.
Your hosted checkout can be configured with your organisation’s branding and the payment methods available through your connected payment providers.
Ideal for
- One-off customer payments
- Pay Now and Donate buttons
- Invoices and account payments
- QR code payments
- Membership, registration and service fees
- Deposits and bookings
- Fundraising campaigns
- Customer portals and applications
Illustration. Available methods depend on your connected payment providers.
request_quoteRequest2Pay
Proactively request payment from a specific customer
Request2Pay is Modica’s request-to-pay solution, combining messaging and payment capabilities to create personalised collection journeys.
Create a request containing the amount, reference and payment information, then choose the most appropriate way to deliver the payment journey to your customer. Depending on the available payment methods and customer configuration, this can include sending a secure payment link via SMS or email, or using Open Banking to send a payment request directly to the customer’s supported mobile banking experience.
Customers can then review and approve the payment through the appropriate payment journey, providing a simple mobile-first way to collect individual payments.
Request2Pay can support both individual payment requests and broader automated collection workflows, allowing organisations to incorporate payment collection into their existing customer communications and business processes.
Ideal for
- Invoice collection
- Outstanding account balances
- Debt and arrears collection
- One-off charges
- Service fees
- Deposits
- Payment reminders
- Contact-centre assisted payments
- Automated billing and collections workflows
Illustration. Delivery method depends on available payment methods and customer configuration.
smsText2Pay
Let your customers start the payment journey
Text2Pay turns a simple SMS call to action into a mobile payment experience.
A customer texts a designated keyword to a Modica-supported messaging number and receives a secure Payment Link in response. They can then complete their payment using the payment methods configured for your organisation.
This creates a simple payer-initiated journey that works particularly well when you want to promote a payment call to action to a broad audience rather than contact customers individually.
Ideal for
- Fundraising
- TV, radio and advertising campaigns
- Events
- Community and membership payments
- Promotional campaigns
- SMS and QR-code payment journeys
Text2Donate
Text2Donate is Modica’s fundraising-focused implementation of Text2Pay. Donors respond to a campaign by texting a keyword and receive a secure link to complete their donation.
Illustration.
Flexible payment methods
The payment methods available through Modica Payments are determined by the payment providers connected to your Modica Payments account. Depending on your configuration and market, these can include:
- Credit and debit cards, including Apple Pay and Google Pay
- Open Banking
- Other supported alternative payment methods
A single Modica-hosted checkout can present multiple available payment options, giving customers choice without requiring you to build separate payment journeys for each provider.
Move customers securely from payment request to their banking app
Where supported, Modica Payments can use Open Banking to initiate account-to-account payment journeys. Rather than entering card details, customers can be directed to their banking application to review and authorise a payment using their bank’s existing authentication process.
For businesses, account-to-account payments can provide an alternative to traditional card-based collection while supporting streamlined reconciliation and digital payment experiences.
Availability depends on the market, participating financial institutions and connected payment providers.
Connect customer communications and payment collection
Payments become more powerful when they’re part of the customer conversation. Modica combines payment capabilities with our communications platform so organisations can create connected customer journeys — from the initial request through to payment and follow-up.
Use Modica Payments to
- Send payment requests through customer communication channels
- Create mobile-first payment experiences
- Receive payment status updates
- Trigger follow-up communications based on payment status, including receipts
- Integrate payment collection with existing systems
- Bring messaging and payment activity into connected workflows
Payment API and developer-friendly integration
Modica Payments is designed to integrate with your existing applications and business processes, enabling payment collection to become part of broader billing, CRM, customer service and communications workflows.
- Create payments programmatically
- Through the Modica Payments API, payments can be created programmatically, allowing organisations to incorporate payment creation and collection into their own applications and workflows.
- Embedded payment experiences
- The platform is also evolving to support embedded payment experiences, enabling organisations to bring payment forms directly into their own websites and applications.
- Less payment infrastructure to build
- Modica Payments provides the hosted payment experience and orchestration between your customer journey and supported payment providers — reducing the amount of payment infrastructure you need to build yourself.
Account information services and bank account verification
Securely retrieve and analyse customer banking data across participating financial institutions through the Modica API or web-based number lookup tool. All lookups of personal information require consent from the account holder.
Bank account lookup and verification
- 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
Account balances and transaction history
- Access real-time or periodic account balances
- Pull transaction data with categorisation, filtering, and enrichment
Multi-bank aggregation
- Consolidated view of financial data across multiple banks
- Ideal for personal finance management, SME accounting, and financial coaching
Number Lookup Service
- Confirm phone number status, including carrier and porting details
- Lookups through the API and web form
Fraud reduction
Paired with our mobile number lookup services, our Account Information Services significantly reduce fraud and erroneous transactions.
Built with security, privacy and regulatory expectations in mind
Platform and API security best practices
Built using platform and API security best practices.
Privacy and data sovereignty
Designed to support applicable privacy legislation and data sovereignty requirements.
Consent-driven access
Consent-driven access, with transparency and revocability for customers where required.
Open Banking and CDR frameworks
Designed with evolving Open Banking and Consumer Data Right (CDR) frameworks in mind.
Payment collection use cases by industry
Whether you need to collect a one-off payment, send a personalised payment request, run a payment collection campaign or build payments into a broader collections workflow, Modica Payments provides flexible ways to connect communications with payment collection.
| Sector | Payment collection |
|---|---|
| Enterprise | Invoices, account balances, deposits, service charges and automated collections. |
| Government | Fees, charges, account payments and citizen payment requests. |
| Financial services | Customer-specific payments, outstanding balances and digital collection journeys. |
| Charities & fundraising | Text2Donate, donation links, QR codes and campaign-based giving. |
| Retail & services | One-off payments, deposits, bookings, registrations and assisted payments. |