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Clip vs Modulr: Which Fintech & Payments Is Better in 2026?

Compare pricing, features, integrations, verified reviews, AI capabilities, security, and customer satisfaction, side by side, with no marketing spin.

Clip
Clip
Leads 3/9
Rating
,
Reviews
0
From
Free

in Fintech & Payments

Modulr
Modulr
Rating
,
Reviews
0
From
Custom

in Fintech & Payments

Jump to scorecard Ask SIA

The Short Answer

Clip vs Modulr, in 15 seconds

Choose Clip if…

  • You want the lower entry price
  • You need a genuinely free plan

Choose Modulr if…

  • You have strict security & compliance needs

Head-to-Head Scorecard

How Clip and Modulr score

Clip leads on 3 of 9 measured dimensions.

  • Customer Rating

    Average score from verified user reviews

    Even
    Clip
    No reviews
    Modulr
    No reviews

  • Review Volume

    Number of verified reviews, a proxy for adoption

    Even
    Clip
    0
    Modulr
    0

  • Entry Pricing

    Lowest published starting price (free plan = lowest)

    Clip
    Clip
    Free
    Modulr
    Custom

  • Free Access

    Availability of a free plan and/or free trial

    Clip
    Clip
    Free plan
    Modulr
    Paid only

  • Integrations

    Number of listed third-party integrations

    Even
    Clip
    6
    Modulr
    6

  • Features

    Number of listed product capabilities

    Even
    Clip
    6
    Modulr
    6

  • AI Features

    Capabilities mentioning AI, automation or ML

    Even
    Clip
    ,
    Modulr
    ,

  • Security & Compliance

    Number of listed compliance certifications

    Modulr
    Clip
    2
    Modulr
    3

  • Platforms & Deployment

    Supported platforms and deployment options

    Clip
    Clip
    5
    Modulr
    4

Feature Comparison

Clip vs Modulr feature breakdown

Search or filter the full feature matrix, core features, AI, integrations, APIs, security and compliance.

Clip
Modulr
Overview
User rating
,
,
Pricing model
Custom
Custom
Starting price
Free
Custom
Free version
Free trial
Features
Key capabilities
Mobile card readersSmart terminalsIn-person paymentsOnline paymentsPayment linksBusiness tools
Programmable accountsInbound & outbound paymentsCard issuingBacs Direct DebitConfirmation of PayeeOpen banking & VRP
AI features
,
,
Integrations & API
Integrations
Card networksEcommerce platformsAccounting toolsPayment linksPOS hardwareAPI
Faster PaymentsBacsSEPASWIFTSageXero
Public API
Platforms
Deployment
CloudSaaS
CloudSaaS
Platforms
iOSAndroidWeb
WebAPI
Mobile support
Security & Compliance
Compliance
PCI DSSCNBV
FCA EMIPCI DSSISO 27001
Vendor
Company
,
,
Verified
Founded
,
,
Headquarters
,
,

Pricing Comparison

Clip vs Modulr pricing

Entry pricing, plan tiers and the cost factors that shape total cost of ownership.

Clip

Free to start
Pay-as-you-goCustom
  • ~2.99% + fixed / ~3.6%
  • No monthly fee
  • Mobile readers
  • Payment links
Clip Total / BusinessCustom
  • Smart terminals
  • Online payments
  • Business tools
  • Volume rates

Modulr

Custom to start
Payments PlatformCustom
  • Programmable accounts
  • Automated payments
  • Single API
  • Per-transaction pricing
Enterprise / BaaSCustom
  • Card issuing
  • Direct scheme access
  • High volume
  • Dedicated support

Total cost of ownership factors

Free planClip Modulr
Free trial to evaluateClip Modulr
Transparent published pricingClip Modulr
Public API (build vs. buy add-ons)Clip Modulr

Beyond list price, factor in implementation, training, add-ons and per-seat scaling when estimating total cost of ownership.

Pros & Cons

Clip vs Modulr: strengths and trade-offs

Clip

Pros

  • Free plan available
  • Compliance: PCI DSS, CNBV
  • Public API available

Cons

    Modulr

    Pros

    • Compliance: FCA EMI, PCI DSS, ISO 27001
    • Public API available

    Cons

    • No free plan
    • No free trial
    • Pricing is quote-based (less transparent)

    Buyer Fit

    Who should use Clip vs Modulr?

    Startups

    Clip

    Clip keeps early-stage costs lowest with its entry tier.

    Small businesses

    Clip

    Clip offers the most accessible pricing for lean teams.

    Agencies

    Either

    Either connects to more tools for multi-client workflows.

    Enterprises

    Modulr

    Modulr leads on compliance and breadth for complex needs.

    Ecommerce

    Either

    Either integrates with more of the commerce stack.

    SaaS companies

    Either

    Either is the more developer- and automation-friendly choice.

    Integration overlap

    Only in Clip (6)

    Card networksEcommerce platformsAccounting toolsPayment linksPOS hardwareAPI

    Only in Modulr (6)

    Faster PaymentsBacsSEPASWIFTSageXero

    Keep Exploring

    Other alternatives worth considering

    Similar fintech & payments products buyers compare alongside Clip and Modulr.

    GoCardless

    GoCardless

    Custom
    Tink

    Tink

    Custom
    Stripe

    Stripe

    $0/mo
    Open

    Open

    Free
    Treasury Prime

    Treasury Prime

    Custom
    More Clip alternatives →More Modulr alternatives →

    Ask SIA which solution fits your business

    SIA, Saaskart's AI buying assistant, weighs Clip and Modulr against your team size, budget, integrations and compliance needs, then recommends the right fit and the questions to ask each vendor.

    Get a personalised recommendation

    Clip vs Modulr, Frequently Asked Questions

    What is the difference between Clip and Modulr?

    Clip and Modulr are both Fintech & Payments solutions. Clip is rated 0.0/5 by 0 users, while Modulr is rated 0.0/5 by 0 users. The main differences lie in pricing, features, and target audience.

    Which is better, Clip or Modulr?

    Based on user ratings, Clip scores higher at 0.0/5. The best choice depends on your team size, budget, and specific requirements.

    Which is cheaper, Clip or Modulr?

    Clip is the more affordable option with a free plan available.

    Does Clip or Modulr have a free plan?

    Clip offers a free plan. Modulr does not have a free tier but offers paid plans.

    Can I switch from Clip to Modulr?

    Switching between Clip and Modulr is possible. Both support data export. Check integration compatibility and plan for data migration to minimise disruption to your team.

    Who should use Clip vs Modulr?

    Clip is best suited for teams that prioritise enterprise features. Modulr works well for teams needing advanced capabilities.

    Our Verdict

    The bottom line on Clip vs Modulr

    Best Overall

    Either

    It's a tie balances user satisfaction and proven adoption.

    Best for Startups

    Clip

    Clip has the friendliest entry point for new teams.

    Best for Enterprise

    Modulr

    Modulr leads on compliance and feature breadth.

    Best Value

    Clip

    Clip delivers the lowest cost to get started.

    Best AI Features

    Either

    Comparable AI capabilities on both sides.

    Highest Rated

    Either

    Both earn equal user ratings.

    Ready to decide between Clip and Modulr?

    Visit Clip Visit Modulr Ask SIA
    Compare more alternatives →

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