Modulr Finance Outage History

Started Sep 13, 2026, 04:06 PM UTC· resolved Sep 14, 2026, 08:11 AM UTC

1. investigating Sep 13, 2026, 04:06 PM UTC

   We are currently experiencing intermittent issues for inbound and outbound SEPA payments, where some payments that have been sent to our SEPA scheme provider are failing. If your payment has reached a final status, you can retry these payments. We are working as quickly as possible to resolve this incident. If you have any further questions, please feel free to reach out to [email protected].

2. resolved Sep 14, 2026, 08:11 AM UTC

   We can confirm that all inbound and outbound SEPA payments are processing as expected. If you had any payments fail during this period, please feel free to retry these at this time. If you have any further queries, please feel free to reach out to [email protected]

Read the full incident report →

Started Sep 04, 2026, 01:36 PM UTC· resolved Sep 04, 2026, 04:35 PM UTC

1. investigating Sep 04, 2026, 01:36 PM UTC

   We are currently experiencing intermittent degraded performance with the system we use to send and receive emails. As a result, some emails may be delayed or may take longer than usual to reach our team or our customers. Affected emails are typically queued and retried automatically, so no action is required from customers at this time. While some emails may be delayed, we expect messages to be delivered once the issue is resolved. Our provider is actively investigating the issue and working with their partners to restore normal service as quickly as possible. Impact - Intermittent delays to inbound and outbound emails. - Some email responses may take longer than expected. - This may affect any customer-facing teams or teams that liaise externally on behalf of Modulr, resulting in delays to email communications. What should customers do? If your query is urgent, please contact our Customer Support team by phone on 0303 313 0060 rather than waiting for an email response. We apologise for any inconvenience caused and will provide further updates as more information becomes available.

2. investigating Sep 04, 2026, 01:44 PM UTC

   We are continuing to investigate this issue.

3. resolved Sep 04, 2026, 04:35 PM UTC

   We have been notified that this issue has now resolved. Please feel free to reach out via email to [email protected] if you have any queries.

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Started Aug 28, 2026, 08:48 AM UTC· resolved Aug 28, 2026, 11:12 AM UTC

1. investigating Aug 28, 2026, 08:48 AM UTC

   We can confirm that BACS early funding has processed as expected. However inbound BACS payments due for payment today have not yet been credited. Normally these payments are credited in the early hours of the morning. We are investigating the issue urgently and will keep you updated as we work to apply these payments. Please accept our apologies for any inconvenience caused and if you require any further support in relation to this issue please do not hesitate to contact us: [email protected]

2. identified Aug 28, 2026, 09:39 AM UTC

   We have identified the cause of the issue and are currently in the process of deploying a fix which will allow us to successfully process the inbound BACS payments, we expect all payments to be successfully processed by 1pm. We will continue to keep you regularly updated as we work to resolve this issue.

3. resolved Aug 28, 2026, 11:12 AM UTC

   We are pleased to provide you with an update on the inbound BACS payments that were delayed this morning. We have identified and deployed a fix to resolve the issue. Inbound BACS payments have now all been applied to the accounts as expected. As part of our resolution process, we are conducting a full investigation into the underlying cause of this delay. We are committed to implementing the necessary measures to prevent any further related issues from occurring. We appreciate your patience whilst we worked to resolve this matter, and we will continue to monitor the situation closely over the coming hours to ensure stability. Please accept our apologies for any inconvenience caused and if you require any further support in relation to this issue please do not hesitate to contact us: [email protected]

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Started Aug 01, 2026, 06:21 AM UTC· resolved Aug 01, 2026, 03:02 PM UTC

1. identified Aug 01, 2026, 06:21 AM UTC

   We are currently experiencing an intermittent issue affecting the onboarding flow for new customer creation using our API. Customer records are being created successfully; however, customers are placed into a “blocked” status, preventing account opening for the affected customers. We have identified the issue affecting customer creation, which is related to the screening of accounts not functioning as expected. Our incident team is working as quickly as possible to resolve this and we will provide a further update shortly. We sincerely apologise for the disruption caused and understand the impact this may have. If you require further support, please contact [email protected].

2. monitoring Aug 01, 2026, 07:15 AM UTC

   Our Incident team is actively monitoring performance and continues to observe major ongoing improvements. Our third-party automated screening service provider has confirmed that they are currently investigating an issue within their infrastructure that is impacting service performance. We will continue to provide updates as progress is made and remain actively engaged until resolution. We apologise for any inconvenience caused and appreciate your patience. If you require further support, please contact us at [email protected].

3. resolved Aug 01, 2026, 03:02 PM UTC

   The issue affecting customer screening has now been resolved. Screening is now processing as expected, and all previously impacted customers are now active. New customer accounts will continue to be screened and made live automatically following creation. We apologise for any inconvenience caused and appreciate your patience. If you require further support, please contact us at [email protected].

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Started Jul 27, 2026, 03:59 PM UTC· resolved Jul 27, 2026, 11:21 PM UTC

1. investigating Jul 27, 2026, 03:59 PM UTC

   We are currently investigating an issue affecting our customer portal and API. Customers may experience: - Intermittent failures when accessing the portal or API - Slower-than-normal responses to portal and API requests - Delays in some payments being processed We understand the impact this may have on your operations and are treating this as a high-priority incident. Our teams are working urgently to identify the cause and fully restore normal service as quickly as possible. We sincerely apologise for any inconvenience this may cause. If you require any further support, please do not hesitate to contact us at [email protected].

2. investigating Jul 27, 2026, 05:01 PM UTC

   We wanted to give you an update: our engineers are still investigating the issue affecting our customer portal and API. We are taking actions to improve performance and we will continue to provide updates regarding the progress of our resolution effort. Customers may still experience: - Intermittent failures when accessing the portal or API - Slower-than-normal responses to portal and API requests - Delays in some payments being processed We sincerely apologise for any inconvenience this may cause. If you require any further support, please do not hesitate to contact us at [email protected].

3. investigating Jul 27, 2026, 06:03 PM UTC

   Our incident team is working to resolve the current performance issue as a matter of urgency. They are currently improving the performance of one of our key databases, which is the root cause of the issue. As part of this effort, we have paused the processing of all inbound and outbound transactions. All payment requests sent since 17:50 BST have been queued and will be processed once performance has returned to normal. Payments requested prior to this time that have not been processed, and are therefore in a "pending" state, should not be reattempted. We will process these payments to their final status as soon as possible once the performance issue is resolved. Whilst we work to restore performance, you may experience: - Intermittent failures when accessing the portal or API - Slower-than-normal responses to portal and API requests - Card authorisation failures due to timeouts (as card authorisations are processed in real time, they may time out rather than queue) We sincerely apologise for any inconvenience this may cause. If you require any further support, please do not hesitate to contact us at [email protected].

4. investigating Jul 27, 2026, 07:16 PM UTC

   Our incident team is still working to resolve the current performance issue as a matter of urgency. They are currently improving the performance of one of our key databases, which is the root cause of the issue. Whilst we work to restore performance, you may still experience: - Intermittent failures when accessing the portal or API - Slower-than-normal responses to portal and API requests - Delays in some payments being processed - Card authorisation failures due to timeouts (as card authorisations are processed in real time, they may time out rather than queue) We sincerely apologise for any inconvenience this may cause. If you require any further support, please do not hesitate to contact us at [email protected].

5. identified Jul 27, 2026, 08:08 PM UTC

   Our incident team is still working to resolve the current performance issue as a matter of urgency. They are currently improving the performance of one of our key databases, which is the root cause of the issue. Whilst we work to restore performance, you may still experience: - Intermittent failures when accessing the portal or API - Slower-than-normal responses to portal and API requests - Delays in some payments being processed - Card authorisation failures due to timeouts (as card authorisations are processed in real time, they may time out rather than queue) We sincerely apologise for any inconvenience this may cause. If you require any further support, please do not hesitate to contact us at [email protected].

6. identified Jul 27, 2026, 09:06 PM UTC

   Our incident team is still working to resolve the current performance issue as a matter of urgency. We are observing a degree of improvement in our platform's performance. However, Whilst we work to restore performance, you may still experience: - Intermittent failures when accessing the portal or API - Slower-than-normal responses to portal and API requests - Delays in some payments being processed - Card authorisation failures due to timeouts (as card authorisations are processed in real time, they may time out rather than queue) Processing of all inbound and outbound transactions is still currently paused while we urgently work to restore performance We sincerely apologise for any inconvenience this may cause. If you require any further support, please do not hesitate to contact us at [email protected].

7. monitoring Jul 27, 2026, 09:51 PM UTC

   We are continuing to observe improved platform performance, and services are operating more normally. Processing of inbound and outbound payments has now been resumed. While the situation has stabilised significantly, we are maintaining enhanced monitoring to ensure all systems continue to perform as expected. Payment guidance: - If any payments affected by this incident are marked as Failed, they are now safe to retry. - If payments remain in a Pending state, please do not reprocess them at this time while we continue to work through those transactions. Our teams remain actively engaged and are monitoring the platform closely until we are confident the incident has been fully resolved. We appreciate your patience and apologise for any inconvenience caused. If you require further support, please contact us at [email protected].

8. monitoring Jul 27, 2026, 11:10 PM UTC

   Platform performance has returned to expected levels, and services are operating normally. We are continuing to closely monitor performance across all systems to ensure stability is maintained. Our teams are also working as a matter of urgency to resolve the remaining payments currently in a pending state. Customers with payments still showing as Pending should not reprocess them at this time while we complete this work. Payment guidance: - Payments affected by this incident that are marked as Failed are safe to retry. - Payments that remain in a Pending state should not be reprocessed at this time. We will continue to provide updates as progress is made and remain actively engaged until all impacted payments have been fully resolved. We apologise for any inconvenience caused and appreciate your patience. If you require further support, please contact us at [email protected].

9. resolved Jul 27, 2026, 11:21 PM UTC

   We are pleased to confirm that the platform incident has been fully resolved. All systems are operating normally and performance has returned to expected levels. Payment guidance: - If any payments affected by this incident are marked as Failed, they are now safe to retry. - If payments remain in a Pending state, please do not reprocess them at this time while we continue to work through those transactions. We sincerely apologise for any inconvenience this may cause, If you require any further assistance or have concerns about your payments, please contact our support team at [email protected].

Read the full incident report →

Started Jun 16, 2026, 01:14 PM UTC· resolved Jun 16, 2026, 02:06 PM UTC

1. investigating Jun 16, 2026, 01:14 PM UTC

   We’re currently experiencing delays affecting some GBP inbound and outbound payments, beginning at approximately 1:58pm BST. Inbound payments will be processed shortly, while we continue to investigate delays impacting outbound payments. There is no action required on your side at this time. We will post an update here as soon as more information becomes available. We’re very sorry for any inconvenience this may cause. If you need any further assistance, please contact our Support Team at [email protected].

2. identified Jun 16, 2026, 01:30 PM UTC

   We have identified the root cause and are working as quickly as possible to resolve the issue. GBP inbound payments are now processing as expected. However, we are still experiencing delays affecting GBP outbound payments, which we are actively working to resolve. We sincerely apologise for the ongoing disruption and are treating this as a priority. If you require any assistance, please contact [email protected].

3. resolved Jun 16, 2026, 02:06 PM UTC

   Thank you for your patience during this time. We can confirm that GBP outbound payments are now operating as normal, and all affected payments should have reached their final state. If you have any concerns or are unsure about a specific payment, please contact our Support Team at [email protected]. We sincerely apologise for the inconvenience and disruption this issue may have caused, and we appreciate your understanding while we worked to resolve it.

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Started Jun 02, 2026, 08:10 AM UTC· resolved Jun 02, 2026, 08:46 AM UTC

1. investigating Jun 02, 2026, 08:10 AM UTC

   Since 08:35 today, we have been experiencing an issue affecting new customer onboarding. Customer records are being created successfully; however, customers are placed into a “blocked” status, preventing associated account creation. Our team is actively investigating the root cause and treating this as a priority. Customer creation requests are being processed, but accounts cannot be created while customers remain in this state. We are working as quickly as possible to resolve this and will provide a further update shortly. We sincerely apologise for the disruption caused and understand the impact this may have. If you require further support, please contact [email protected].

2. monitoring Jun 02, 2026, 08:43 AM UTC

   We have identified the issue affecting customer creation, which is related to the screening of accounts not functioning as expected. Customer creation is currently processing successfully; however, you still may not be able to create new accounts. Once the issue is resolved, we will automatically complete the screening process and activate all affected customers. No action is required from you at this time. We will continue to provide updates as progress is made. We apologise for the inconvenience caused. If you require any further support, please contact us at [email protected].

3. resolved Jun 02, 2026, 08:46 AM UTC

   The issue affecting customer screening has now been resolved. Screening is now processing as expected, and all previously impacted customers are now active. New customer accounts will continue to be screened and made live automatically following creation. We apologise for the inconvenience caused.

Read the full incident report →

Started May 28, 2026, 04:24 PM UTC· resolved May 28, 2026, 05:30 PM UTC

1. investigating May 28, 2026, 04:24 PM UTC

   We are currently investigating a delay with inbound Faster Payments being applied to accounts, We are currently not seeing a disruption with outbound payments. Please be assured we are investigating and working with them to resolve this matter as quickly as possible. Please accept our apologies for any inconvenience caused and please be assured we are working to resolve this as quickly as possible. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]

2. monitoring May 28, 2026, 05:16 PM UTC

   We can confirm that inbound Faster Payments are now flowing as expected and the earlier delay resolved. Outbound payments were not affected at any point during this incident. We apologise for any inconvenience caused and thank you for your patience while we worked to resolve this matter. We are continuing to monitor for any further disruptions. If you have any further questions or require additional support, please don't hesitate to contact us at [email protected].

3. resolved May 28, 2026, 05:30 PM UTC

   This incident has been resolved.

Read the full incident report →

Started May 20, 2026, 11:47 PM UTC· resolved May 21, 2026, 10:05 AM UTC

1. investigating May 20, 2026, 11:47 PM UTC

   We are currently investigating an issue with SEPA outbound payments where any payments that have been sent to our SEPA scheme provider are currently failing. While we investigate this and find the root cause, we have paused all outbound SEPA payments. If you attempt to process any payments in this period where payments are paused, they will be held and will not go to scheme. We are working as quickly as possible to resolve this incident. If you have any further questions, please feel free to reach out to [email protected].

2. investigating May 21, 2026, 01:02 AM UTC

   We are continuing to investigate this incident and have been able to confirm the following: - All outbound SEPA payments have been effected by this and we have kept our SEPA payments services paused. Outbound payments attempted during this period will be held and not go to scheme. - We are also seeing intermittent issues with inbound payments where we are seeing some successful payments crediting accounts but also seeing failing payments. We would recommend caution and double checking if a payment has fully credited the intended account. - We have been able to identify this is due to an issue with our SEPA payments provider and is not an issue directly with Modulr. This has been escalated to them. Again, we would like to apologise for the inconvenience and we are working to resolve this with our SEPA payments processor. We will communicate when services have resumed and if you have any further queries regarding this incident, please feel free to reach out to us at [email protected].

3. monitoring May 21, 2026, 08:24 AM UTC

   SEPA Instant and Credit inbound and outbound payments are now flowing as expected. The incident occurred between 11:50pm and 3:48am, during which time the scheme was unavailable. We apologise for any inconvenience this may have caused. If you have any questions, please don’t hesitate to reach out to [email protected].

4. resolved May 21, 2026, 10:05 AM UTC

   We’re happy to confirm that both SEPA Instant and SEPA Credit (inbound and outbound) payments are now flowing as expected and the incident has been resolved. All impacted payments have reached their final status — either processed or failed. Notifications should have been sent via webhooks accordingly. We sincerely apologise for any inconvenience this may have caused and appreciate your patience while this was being resolved. If you have any questions or need further assistance, please contact Support at [email protected].

Read the full incident report →

Started May 19, 2026, 08:29 AM UTC· resolved May 21, 2026, 04:31 PM UTC

1. investigating May 19, 2026, 08:29 AM UTC

   We are currently investigating an issue affecting outbound SEPA Instant payments. Our teams are actively working with our banking partner to identify the root cause and resolve the issue as quickly as possible. No action is required at this moment in time, we will keep you updated here. We sincerely apologise for any inconvenience this may cause. If you need further support or have any questions, please contact us at [email protected]

2. investigating May 19, 2026, 08:30 AM UTC

   We are continuing to investigate this issue.

3. investigating May 19, 2026, 08:53 AM UTC

   Our SEPA Instant provider has confirmed that the ongoing incident is due to an issue with the RT1 system. This issue was first identified by them at 4:20AM BST.

4. investigating May 19, 2026, 09:13 AM UTC

   As an update, we can confirm that, due to an RT1 issue, both inbound and outbound SEPA Instant payments are affected. We do not have a firm view of when this issue will be resolved at the moment, but please be assured it is being worked on as a matter of urgency. Any outbound payments attempted after 4:20AM BST have either failed or remain in a pending state. You will have received notifications for any failed payments as you normally would (e.g., via a webhook). We are communicating closely with our SEPA Instant payment provider to confirm the status of the pending payments. As soon as we are in a position to update the final status of these payments, we will do so as quickly as possible, and you will receive notifications as normal. SEPA Credit transfers are unaffected by this incident. Please accept our apologies for any inconvenience caused, and please be assured we are working to resolve this as quickly as possible. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]

5. investigating May 19, 2026, 09:46 AM UTC

   Due to the ongoing issues with RT1, we are pausing all outbound SEPA Instant payments. If you attempt to process payments in this period, they will be held and processed once we resume.

6. investigating May 19, 2026, 10:13 AM UTC

   As we are continuing to experience issues with SEPA Instant payments, we are also pausing all SEPA Credit payments as we have noticed delays with these payments since 8AM. Any payments that were processed after 8AM will be in a transient state and will process once we are able to resume the service. If you have any further questions, please reach out to us at [email protected].

7. investigating May 19, 2026, 11:55 AM UTC

   We are continuing to investigate this incident and are in communication with our SEPA payments provider regarding any further updates. As a note, since this is an RT1 incident, this is an issue that is being experienced across Europe and is not limited to certain countries.

8. investigating May 19, 2026, 12:10 PM UTC

   RT1, the pan-European settlement system that processes SEPA Instant payments, has temporarily closed its network services whilst it works to restore full functionality. The disruption is affecting all SEPA Instant payments across Europe. To minimise impact, we are holding all SEPA Instant payments in a PROCESSING status until services are restored. As a secondary consequence, we are also unable to fund our SEPA Credit Transfer settlement accounts during this time, so SEPA Credit Transfer payments are being held as well. We are monitoring the situation closely. Once RT1 confirms that services have been fully restored and payments are processing normally, we will release all held payments immediately. We will provide a further update as soon as we have confirmation of recovery.

9. investigating May 19, 2026, 01:23 PM UTC

   We are continuing to investigate this incident and are in communication with our SEPA payments provider regarding any further updates.

10. investigating May 19, 2026, 02:35 PM UTC

    We are continuing to investigate this incident and are in communication with our SEPA payments provider regarding any further updates. We can confirm that inbound payments are successfully processing but we are still awaiting confirmation from our SEPA payments processor regarding the payments in a transient state before we can resume our outbound SEPA payments service.

11. investigating May 19, 2026, 03:18 PM UTC

    We are currently awaiting confirmation from our SEPA service provider regarding the status of the transient payments. In parallel, we are reviewing an issue where certain payments were processed instead of being held while the SEPA service was unavailable. We will contact you directly with further details on these transactions. Some payments have now reached a final status and have either been successfully processed or have failed. A webhook notification should have been sent for these. While the incident remains ongoing, we recommend not re‑processing any failed payments. Payments that remain in a transient state should not yet have received a webhook notification and are still being processed. If you have any questions in the meantime, please contact us at [email protected].

12. investigating May 19, 2026, 05:02 PM UTC

    We are currently awaiting confirmation from our SEPA service provider regarding the status of the transient payments. While the incident remains ongoing, we recommend not re‑processing any failed payments. If you have any questions in the meantime, please contact us at [email protected].

13. investigating May 19, 2026, 06:02 PM UTC

    We are still continuing to investigate this incident and are in communication with our SEPA payments provider regarding the transient payments. While the incident remains ongoing, we recommend not re‑processing any failed payments. If you have any questions in the meantime, please contact us at [email protected].

14. investigating May 19, 2026, 07:30 PM UTC

    Remediation for this incident and with our SEPA clearing provider and EU wide scheme. The incident is not specific to Modulr and requires scheme level action. As a precaution to avoid impact for any payers that may have retried payments - for any payments in PROCESSING state we are failing processing payments as we have confirmation that these payments have not reached scheme and so will not be processed. This allows your payer to make an informed decision if they wish to retry when services are restored. For any payments that are in other states; we will work through these post restoration with clearing/scheme to confirm status. While the incident remains ongoing, we recommend not re‑submitting new payments to replace any failed payments. We will let you know when the SEPA service is operating as normal and when payments can be processed again. If you have any questions in the meantime, please contact us at [email protected].

15. investigating May 19, 2026, 08:42 PM UTC

    We sincerely apologise for the continued disruption — the incident remains ongoing and is not yet resolved. We understand that our payment processor is carrying out RT1 infrastructure maintenance overnight on the external instant payments system, which will continue to impact processing. We will provide a further update by 9:00am tomorrow morning, covering both the status of the service and any remaining transient transactions. We are very sorry for the inconvenience caused and truly appreciate your patience while we work to resolve this as quickly as possible.

16. monitoring May 20, 2026, 02:39 AM UTC

    Thank you for your continued patience. We can confirm that the RT1 system is now operational and thus we have been able to resume SEPA payments, both Instant and Credit. Any payments that have failed during this period can now be retried. Any payments that are in a processing state, we are still working to confirm the final status of these and we will have further updates later this morning. We apologise again for the inconvenience and if you have any further queries, please reach out to [email protected].

17. monitoring May 20, 2026, 08:59 AM UTC

    We can confirm that the RT1 system remains operational, and SEPA Instant payments are available for processing. We continue to closely monitor the stability of the service. We are currently working through the reconciliation of transient SEPA Instant transactions to ensure they are either processed or failed accurately. Payments that have already been confirmed as failed can now be safely retried. However, for payments that remain in a transient state, we recommend waiting until a final status has been confirmed. Due to this incident, SEPA Credit payments are currently experiencing delays. We are actively working to process these as quickly as possible. We sincerely apologise for the inconvenience caused and appreciate your continued patience while we complete the remaining work. If you have any questions, please reach out to our [email protected].

18. monitoring May 20, 2026, 10:34 AM UTC

    We continue to work closely with our SEPA payments provider regarding the SEPA Instant payments submitted yesterday that remain pending. Please be assured that this is being worked on with the highest priority. As soon as we have confirmation of the final status of these payments (processed or failed), we will update them and send notifications. In the meantime, we are processing the remaining SEPA Credit payments that were pending from yesterday. We expect this to be completed today. If you have any further questions, please feel free to reach out to us via [email protected].

19. monitoring May 20, 2026, 11:49 AM UTC

    We are continuing to work closely with our SEPA payments provider regarding the SEPA Instant payments that remain pending. Please be assured that this is being worked on with the highest priority and has been escalated with our payments provider. As soon as we have confirmation of the final status of these payments (processed or failed), we will update them and send notifications. In the meantime, we can confirm that pending SEPA Credit payments from yesterday have now processed and should show as successful on the Modulr platform. If you have any queries regarding any Credit payments that don't appear to have the correct status, please reach out to us at [email protected].

20. monitoring May 20, 2026, 12:56 PM UTC

    We are continuing to work closely with our SEPA payments provider regarding the SEPA Instant payments that remain pending. Please be assured that this is being worked on with the highest priority and has been escalated with our payments provider. As soon as we have confirmation of the final status of these payments (processed or failed), we will update them and send notifications. If you have any further questions, please feel free to reach out to us via [email protected].

21. monitoring May 20, 2026, 01:53 PM UTC

    We are continuing to work closely with our SEPA payments provider regarding the SEPA Instant payments that remain pending. Please be assured that this is being worked on with the highest priority and has been escalated with our payments provider. As soon as we have confirmation of the final status of these payments (processed or failed), we will update them and send notifications. If you have any further questions, please feel free to reach out to us via [email protected].

22. monitoring May 20, 2026, 02:57 PM UTC

    We are continuing to work closely with our SEPA payments provider regarding the SEPA Instant payments that remain pending. Please be assured that this is being worked on with the highest priority and has been escalated with our payments provider. As soon as we have confirmation of the final status of these payments (processed or failed), we will update them and send notifications. If you have any further questions, please feel free to reach out to us via [email protected].

23. monitoring May 20, 2026, 03:59 PM UTC

    We thank you for your continued patience while we deal with the incident regarding the SEPA payments service. To summarise, there was an issue with the RT1 payments system which caused an issue Europe-wide where SEPA payments were not processing. To update, this is the current situation regarding remediation of this incident: - All SEPA payments services are operational, both Credit and Instant. You can process any new payments as usual and they will process as normal. - All SEPA Credit payments have been processed that were pending since the Monday evening when this incident first occurred. - Any payments that are currently in an errored state, this is their final status and can be reprocessed. The only outstanding remediation is a subset of SEPA Instant payments that are still showing in the portal as processing. We are communicating with our SEPA payments provider to confirm their final status. Once we have an update, we will let you know and update these payments within the system and receive notification regarding the updated status. We will provide a further update tomorrow morning by 9AM BST. If you require any further clarification, please feel free to reach out to us at [email protected].

24. monitoring May 21, 2026, 08:58 AM UTC

    We are currently working on the reconciliation of the remaining pending SEPA Instant payments. This is being treated as a high priority, and we are reviewing each payment status with our provider. We will provide an update as soon as the final status of these payments is confirmed. We thank you for your continued patience while we work through this and apologise for any inconvenience caused. If you require any further clarification, please feel free to contact our Support team at [email protected].

25. monitoring May 21, 2026, 02:57 PM UTC

    Thank you for your patience while we continue to manage this issue. We are currently processing the pending payments and progressing them to their final status. This activity is ongoing, and payments are being updated in stages as we work through the remaining queue. During this time, you may start to receive payment webhooks reflecting status changes. These updates will continue to flow as transactions are processed, so we expect increased webhook activity until all payments have been fully completed. Our teams are actively monitoring the process to ensure payments are finalised as quickly and accurately as possible. We will provide a further update shortly once all payments have been processed and the situation is fully resolved. In the meantime, please feel free to contact our Support team at [email protected].

26. resolved May 21, 2026, 04:31 PM UTC

    We are pleased to confirm that the incident has now been resolved. All pending payments have progressed to their final status. All webhooks/notifications for these payments have been sent. We apologise for any inconvenience this may have caused and thank you for bearing with us while we worked to resolve the situation. Our teams will continue to monitor to ensure everything remains stable. If you have any outstanding concerns or need any further assistance, please do not hesitate to contact our Support team at [email protected].

Read the full incident report →

Started May 17, 2026, 02:36 AM UTC· resolved May 17, 2026, 03:44 AM UTC

1. investigating May 17, 2026, 02:36 AM UTC

   We are currently investigating an issue affecting outbound SEPA Instant payments, which began at 1:50 a.m. BST today. Our teams are actively working with our banking partner to identify the root cause and resolve the issue as quickly as possible. No action is required at this moment in time, we will keep you updated here. We sincerely apologise for any inconvenience this may cause. If you need further support or have any questions, please contact us at [email protected]

2. resolved May 17, 2026, 03:44 AM UTC

   We’re pleased to confirm that the issue affecting SEPA Instant payments has now been resolved, and we have been working closely with our Banking Partner throughout. Any outbound payments that failed during this period with an ER_EXTSYS status can be safely retried. For payments currently in ER_EXTCONN/processing status, please wait until they progress to final status before attempting a retry. If you have any questions, please contact [email protected]. We will continue to monitor performance closely. Thank you for your patience during this disruption.

Read the full incident report →

Started May 14, 2026, 07:15 AM UTC· resolved May 14, 2026, 09:41 AM UTC

1. investigating May 14, 2026, 07:15 AM UTC

   We are currently investigating an issue affecting customer creation. As a result, newly created customers may be impacted, and a number of payments have also been affected. No action is required from you at this time. Please be assured that our teams are actively working to resolve this issue as quickly as possible. We will continue to provide regular updates as we make progress. We sincerely apologise for any inconvenience this may cause. If you require any further support, please do not hesitate to contact us at [email protected].

2. identified May 14, 2026, 08:23 AM UTC

   We have identified the issue affecting customer creation, which is related to the screening of accounts not functioning as expected. This incident began at approximately 14:27 yesterday. Customer account creation is currently processing successfully; however, newly created accounts may not yet be fully active due to the screening issue. Once the issue is resolved, we will automatically complete the screening process and activate all affected accounts. No action is required from you at this time. We will continue to provide updates as progress is made. We apologise for the inconvenience caused. If you require any further support, please contact us at [email protected].

3. monitoring May 14, 2026, 09:17 AM UTC

   The issue affecting customer account screening has now been resolved, and screening is processing as expected. New customer accounts will now be automatically screened and made active following creation. We are currently working through previously impacted accounts to complete their screening and unblock them. No action is required from you at this time. We apologise for the inconvenience caused and will continue to monitor the situation closely.

4. resolved May 14, 2026, 09:41 AM UTC

   The issue affecting customer account screening has now been resolved. Screening is now processing as expected, and all previously impacted accounts are now active. New customer accounts will continue to be screened and made live automatically following creation. We apologise for the inconvenience caused and will continue to monitor the situation closely.

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Started Apr 21, 2026, 12:31 PM UTC· resolved Apr 21, 2026, 02:01 PM UTC

1. investigating Apr 21, 2026, 12:31 PM UTC

   We are currently experiencing a degraded performance across all Modulr services. We are currently investigating this issue as an urgent issue and we will update when we receive more information. For any further queries, please reach out to [email protected]

2. identified Apr 21, 2026, 12:42 PM UTC

   We have identified the issue and are currently working on the resolution. We will update once this is complete.

3. monitoring Apr 21, 2026, 01:14 PM UTC

   We can confirm that a fix has been deployed for this issue and all systems are fully operational again. We will continue to monitor to ensure that all systems are steady and no further issues occur.

4. resolved Apr 21, 2026, 02:01 PM UTC

   This incident has fully resolved and all systems are fully operational. If you have any further queries regarding this incident, please feel free to reach out to [email protected] and we will be able to assist.

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Started Feb 27, 2026, 03:03 AM UTC· resolved Feb 27, 2026, 09:56 AM UTC

1. monitoring Feb 27, 2026, 03:03 AM UTC

   We’re currently experiencing delays to some GBP payments scheduled for today. Our teams are actively working on the issue, and all affected payments will be processed by 10:30am. All inbound payments are being processed normally. We are very sorry for any inconvenience this may cause. If you need further assistance, please contact our Support Team at [email protected].

2. investigating Feb 27, 2026, 03:06 AM UTC

   We are currently investigating this issue.

3. resolved Feb 27, 2026, 09:56 AM UTC

   We are pleased to confirm that the earlier delays affecting some GBP payments scheduled for today have now been fully resolved. All affected payments have been successfully processed, and no further action is required from you. We apologise for any inconvenience this may have caused and thank you for your patience while our teams worked to restore normal service. If you have any questions or need further assistance, please don’t hesitate to contact our Support Team at [email protected].

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Started Jan 12, 2026, 02:47 AM UTC· resolved Jan 12, 2026, 05:00 AM UTC

1. investigating Jan 12, 2026, 02:47 AM UTC

   We are currently investigating an intermittent issue affecting both outbound and inbound SEPA Instant payments, which began at 01:24 today. This issue is causing some outbound SEPA Instant requests to fail with status ER_EXTSYS, and some inbound SEPA Instant payments to fail to process. Our teams are actively working with our banking partner to identify the root cause and resolve the issue as quickly as possible. We sincerely apologise for any inconvenience this may cause. If you need further support or have any questions, please contact us at [email protected]

2. identified Jan 12, 2026, 03:50 AM UTC

   We have identified that the service degradation is due to an authentication issue affecting our SEPA Banking Partner. We are actively working with them to resolve this as quickly as possible. Our team is prioritising this issue and will provide updates as soon as we have more information. Our next scheduled update will be at 8 AM GMT, but if we have an update sooner, we will share it immediately. We apologise for any inconvenience caused. If you need further assistance, please contact us at [email protected].

3. resolved Jan 12, 2026, 05:00 AM UTC

   We’re pleased to confirm that the issue impacting SEPA Instant payments has been resolved by our Banking Partner. They applied their fix at 04:19 UTC, and the service has remained stable since. Any outbound payments that failed during this period with an ER_EXTSYS status can be safely retried. We will continue to monitor performance closely. Thank you for your patience during this disruption.

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Started Nov 28, 2025, 07:25 AM UTC· resolved Nov 28, 2025, 10:10 AM UTC

1. monitoring Nov 28, 2025, 07:25 AM UTC

   We are currently experiencing a delay in payment processing due to an unexpected technical issue. Our team is actively working to resolve this as quickly as possible. Payments are still being processed, but they may take longer than usual. We apologise for any inconvenience this may cause. If you have further questions, please contact us at [email protected].

2. monitoring Nov 28, 2025, 09:22 AM UTC

   We can confirm payments are still continuing to be processed and we anticipate that all payments should be fully processed by 10 am. Please accept our apologies for any inconvenience caused. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected].

3. resolved Nov 28, 2025, 10:10 AM UTC

   We can confirm that all pending payments should have now processed. Please accept our apologies once again for any inconvenience caused by this. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]

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Started Nov 18, 2025, 01:24 PM UTC· resolved Nov 18, 2025, 07:19 PM UTC

1. investigating Nov 18, 2025, 01:24 PM UTC

   We are currently experiencing a service disruption impacting inbound and outbound SEPA Instant and SEPA Credit payment processing, as well as access to our portal. The issue stems from an external problem with one of our third-party providers, Cloudflare, which is currently facing a service outage. Our team is actively monitoring the situation and will share further updates as soon as they become available. Payments affected by this incident will remain in a pending status until the issue is resolved. Portal access should only be impacted for Sage and BrightPay customers. Please accept our apologies for any inconvenience caused and please be assured we are working to resolve this as quickly as possible. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]

2. investigating Nov 18, 2025, 02:47 PM UTC

   We are currently experiencing a service disruption impacting inbound and outbound SEPA Instant and SEPA Credit payment processing, as well as access to our portal. We have also identified a number of inbound and outbound FPS payments impacted. The issue stems from an external problem with one of our third-party providers, Cloudflare, which is currently facing a service outage. Our team is actively monitoring the situation and will share further updates as soon as they become available. Payments affected by this incident will remain in a pending status until the issue is resolved. Portal access should only be impacted for Sage and BrightPay customers. Please accept our apologies for any inconvenience caused and please be assured we are working to resolve this as quickly as possible. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]

3. monitoring Nov 18, 2025, 03:51 PM UTC

   Cloudflare has notified us that they have implemented a fix and that the incident should now be resolved. We are currently remediating the affected payments and will give an update here once the remediation steps have been carried out. Portal login for Sage and BrightPay users should now work as expected. Thank you for your continued patience and again, please accept our apologies for any inconvenience caused! If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]

4. monitoring Nov 18, 2025, 05:58 PM UTC

   We are still working on carrying out the remediation steps, however, most of the payments should now be reflecting correctly. No new payments should be affected by the incident. We will keep you up-to-date via this page once the remediation has been fully carried out. Thank you for your continued patience and again, please accept our apologies for any inconvenience caused! If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]

5. resolved Nov 18, 2025, 07:19 PM UTC

   We have taken remediation action and can confirm that both SEPA and FPS payment services and portal access are operational. Please accept our apologies for any inconvenience caused. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]. Thank you for your patience and understanding.

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Started Nov 16, 2025, 03:04 AM UTC· resolved Nov 16, 2025, 12:46 PM UTC

1. monitoring Nov 16, 2025, 03:04 AM UTC

   Barclays is currently undergoing maintenance which is affecting all GBP payments sent to Barclays. The maintenance started at 11:30 PM on 15/11/2025 and is predicted to finish at 7:00 AM on 16/11/2025. All outbound payments made to Barclays between the above timeframe will fail with a "Rejected by Gateway" message. We are monitoring impact from Modulr's side and will have more information on this past Barclay's maintenance window closing at 7 AM later on today. For more information on the maintenance, please visit their status page here: https://status.uk.barclays/ Outbound payments made to other banks are not affected by the above. If you encounter any issues or have any further questions, please reach out to our support team at [email protected].

2. monitoring Nov 16, 2025, 07:18 AM UTC

   The Barclays maintenance should now be resolved, and payments made to Barclays accounts past 7 AM this morning should go through successfully. We are still monitoring the impact from our end and will share more detailed information on this as soon as it is available. If you encounter any issues or have any further questions, please reach out to our support team at [email protected].

3. resolved Nov 16, 2025, 12:46 PM UTC

   The Barclays maintenance issue has now been resolved, and payments made to Barclays accounts after 7 AM this morning are processing successfully. However, please note that payments impacted during the maintenance window have unfortunately failed and will need to be reattempted. If you encounter any issues or have any questions, please reach out to our support team at [email protected].

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Started Oct 24, 2025, 02:59 PM UTC· resolved Oct 24, 2025, 03:10 PM UTC

1. investigating Oct 24, 2025, 02:59 PM UTC

   We are currently investigating an issue with our Outbound Confirmation of Payee service. Currently any name checks being made are responding with a "No Response". Please accept our apologies for any inconvenience caused and please be assured we are working to resolve this as quickly as possible. We anticipate resolution within the next hour. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]. Thank you for your patience and understanding.

2. resolved Oct 24, 2025, 03:10 PM UTC

   We have taken remediation action and can confirm that Outbound Confirmation of Payee service is working as expected. Please accept our apologies for any inconvenience caused. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]. Thank you for your patience and understanding.

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Started Oct 20, 2025, 05:30 PM UTC· resolved Oct 21, 2025, 08:08 AM UTC

1. identified Oct 20, 2025, 05:30 PM UTC

   We are currently experiencing issues with the Twilio Authy authentication app, which is impacting our login verification process. This disruption is due to a server issue with one of our third-party providers. We are actively working with them to investigate and resolve the problem as a top priority. We will provide updates as soon as more information becomes available and notify you once the issue has been fully resolved. Thank you for your patience and understanding. For any urgent enquires, please reach out to [email protected].

2. identified Oct 20, 2025, 05:30 PM UTC

   We are continuing to work on a fix for this issue.

3. resolved Oct 21, 2025, 08:08 AM UTC

   Thank you for your patience. We're pleased to confirm that the issue has been resolved and the Twilio Authy app is now fully operational. We apologise for any inconvenience this may have caused. If you're still experiencing any login difficulties, please don’t hesitate to contact us at [email protected].

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Started Sep 29, 2025, 04:35 PM UTC· resolved Sep 29, 2025, 08:52 PM UTC

1. identified Sep 29, 2025, 04:35 PM UTC

   We have identified an issue whereby our Direct Debit Management service is returning an incorrect result for all DD Collection mandates (inbound); it is returning a status of "REJECTED". We are in processof rolling out a fix which we anticipate to be completed prior to today's collections (Bacs input day for collections with value date 1st October). No action is required on your part for this. We will let you know if we are unable to implement our fix prior to the deadline collection submission. To avoid any doubts, and Direct Debit collections currently processing (value date of 30th Sept) will not be affected. This note is advisory only; up until circa 17:00 if your service/system attempts to synchronise status via the getmandates API at present it will return an incorrect status. As of circa 17:00 we are temporarily disabling the service whilst we roll out the fix to prevent any undue and unanticipated consequences.

2. identified Sep 29, 2025, 08:51 PM UTC

   Thank you for your patience. The issue affecting Direct Debit Mandates with ACTIVE status since has now been fully resolved. All mandates are correctly reporting their status. Direct Debit collections for the current input day (value date: 1st October) have been submitted as normal. No further action is required. If you need any additional information, please contact our Support team at [email protected].

3. resolved Sep 29, 2025, 08:52 PM UTC

   This incident has been resolved.

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Started Sep 05, 2025, 07:20 PM UTC· resolved Sep 05, 2025, 08:03 PM UTC

1. investigating Sep 05, 2025, 07:20 PM UTC

   We are currently investigating an intermittent issue with outbound SEPA Instant payments. Currently, we are seeing outbound SEPA Instant payments failing with: Error whilst processing payment. Please be assured we are investigating and working to resolve this matter as quickly as possible. Please accept our apologies for any inconvenience caused and please be assured we are working to resolve this as quickly as possible. If you require any further support in relation to this issue, please do not hesitate to contact us: [email protected]

2. resolved Sep 05, 2025, 08:03 PM UTC

   This incident has been resolved. We can confirm Outbound SEPA instant payments should be processing as expected now. We can confirm this incident occurred due to an issue experienced with our SEPA provider. Any Outbound payments which were submitted as SEPA Instant during the outage can now be retried and these will not be reprocessed as SEPA Credit payments. We are very sorry for any inconvenience caused by this issue. If you have any further questions please do not hesitate to contact us: [email protected]

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Started Aug 05, 2025, 02:07 PM UTC· resolved Aug 05, 2025, 10:31 PM UTC

1. investigating Aug 05, 2025, 02:07 PM UTC

   We have identified and are currently investigating an issue with our provider which is affecting both outbound and inbound SEPA payments, which may result in delays. In some cases, this may also lead to temporary account restrictions. SEPA Instant payments are expected to be processed as SEPA Instants, we do not expect these to be converted to SEPA Credit Transfers at this time. Please be assured that we are investigating and working to resolve this as a priority issue. We appreciate your patience and understanding as we work to resolve this matter as swiftly as possible. Should you require further assistance, please do not hesitate to contact our support team at [email protected].

2. monitoring Aug 05, 2025, 03:10 PM UTC

   Thank you for your patience. We have been working closely with our provider, and a fix has now been implemented. The system is currently under active monitoring to ensure continued stability. Our team is also working diligently to review any payments that may have been impacted. If you require further assistance regarding this issue, please do not hesitate to contact us at: [email protected]. We will continue to keep you updated.

3. monitoring Aug 05, 2025, 04:34 PM UTC

   Thank you for your patience. We are pleased to confirm that we have not experienced any further recurrences of the issue that occurred earlier this afternoon. We are finalising the actions to remediate any held payments and accounts that were blocked. This should be completed shortly, and we will provide an update to confirm once the activity is complete. Our team is also working diligently to review any payments that may have been impacted. If you require further assistance regarding this issue, please do not hesitate to contact us at: [email protected].

4. monitoring Aug 05, 2025, 08:33 PM UTC

   Our SEPA service continues to operate normally since our previous update. We are finalising the actions to remediate any held payments and accounts that were blocked. This should be completed shortly, and we will provide an update to confirm once the activity is complete. Our team is also working diligently to review any payments that may have been impacted. If you require further assistance regarding this issue, please do not hesitate to contact us at: [email protected].

5. resolved Aug 05, 2025, 10:31 PM UTC

   Our SEPA service continues to operate normally since our previous update. We have completed our actions and now can confirm that all affected payments have been released and accounts have been unblocked. If you require further assistance regarding this issue, please do not hesitate to contact us at: [email protected].

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Started Aug 01, 2025, 08:42 AM UTC· resolved Aug 01, 2025, 09:38 AM UTC

1. investigating Aug 01, 2025, 08:42 AM UTC

   We have been made aware of a system issue with our third party provider for our CHAPS processing and clearing. We are working closely with our partner to identify the root cause and implement a fix so that we can resume normal operations. Currently this is impacting both Inbound and Outbound payments. For Inbound payments, we are not seeing any incoming transfers presently. Once the issue is resolved we can resume receiving incoming transfers. For Outbound payments, we aim to have this resolved prior to cut-off for today's value date. Thank you for your patience and understanding whilst we work to get this issue resolved for you. We will keep you updated every hour.

2. resolved Aug 01, 2025, 09:38 AM UTC

   Thank you for your patience whilst we worked on this incident with our partner. The service outage has now been resolved and normal operations have resumed for both Inbound and Outbound CHAPS payments. Thank you again for your understanding and patience whilst we resolved this issue. If you encounter any further issues related to this service, please do not hesitate to reach out to our support team at [email protected].

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Started Jul 18, 2025, 04:30 PM UTC· resolved Jul 18, 2025, 04:44 PM UTC

1. investigating Jul 18, 2025, 04:30 PM UTC

   We have identified an issue with our third party partner in relation to debit cards. From our initial investigation it appears that the service is only impacting the creation of cards. There is no impact in the authorisation and settlement of card payments nor is there any impact on the cancellation of blocking of cards. Please be assured we are working to resolve this as quickly as possible and will keep you regularly updated as we work to resolve this issue. Please accept our apologies for any inconvenience caused. If you require any further support in relation to this issue, please do not hesitate to contact us at: [email protected]

2. resolved Jul 18, 2025, 04:44 PM UTC

   Thank you for your patience whilst we investigated this issue. We can see that the creation requests are now coming through successfully. As noted on the initial notification, this did not impact any other card service. If you initiated a request to create a card during this outage, between 17:00:22 - 17:24:02 BST, please check to confirm that the card was not created before submitting a new request to avoid duplication. Thank you again for your patience and understanding here. If you have any further questions in relation to this issue, please do not hesitate to reach out to our support team at: [email protected]

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