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Nonprofits · head to head

Fundraise Up vs Modern Treasury

Fundraise Up logo

Fundraise Up

Nonprofits

Donation checkout layer that replaces the giving form on an existing nonprofit website

From
On request
Rated
-
Full reviewWebsite
Modern Treasury logo

Modern Treasury

Accounting

Payment operations and ledger infrastructure that sits between your product and your own bank accounts

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Fundraise Up the fee is a percentage of donations, so cost rises exactly as the product succeeds, and a single large gift routed through the checkout carries the same rate as a twenty pound one unless the agreement caps it.; Modern Treasury you must already have or be able to obtain your own bank accounts with the right connectivity, so early stage companies without a banking relationship cannot use it and are pushed towards a sponsor bank model instead.
  • They diverge on capability: Fundraise Up covers Embedded donation checkout, Modern Treasury covers Multi-rail payment initiation.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Fundraise Up and Modern Treasury actually diverge.

Attributes where Fundraise Up and Modern Treasury differ
AttributeFundraise UpModern Treasury
Pricing modelPercentage of each donationquote
CategoryNonprofitsAccounting

Identical on both: starting price (On request), free tier (No), platforms (Web), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Fundraise Up

  • Embedded donation checkout
  • Digital wallet payments
  • Recurring gift upgrade prompts
  • Multi currency and multi language
  • Donor covered fees
  • CRM sync

Only in Modern Treasury

  • Multi-rail payment initiation
  • Bank connectivity
  • Ledgers
  • Automatic reconciliation
  • Approval workflows
  • Virtual accounts
  • Compliance tooling
  • Return and exception handling

What people use each for

The jobs each tool is most often brought in to do.

Fundraise Up

  • A charity with a working CRM and website that wants to raise online conversion without replatformingnot Modern Treasury
  • An international organisation needing donors to give in local currency and languagenot Modern Treasury
  • A campaign pushing one time givers into monthly recurring support at the point of donationnot Modern Treasury
  • A digital team that can measure conversion before and after and justify a percentage fee with datanot Modern Treasury

Modern Treasury

  • A marketplace paying out to thousands of sellers that needs a ledger its application can trust rather than reconciling a payments dashboard by handnot Fundraise Up
  • A lender originating and servicing loans that must track disbursements, repayments and returns against its own bank accountsnot Fundraise Up
  • A company that wants to move off a banking as a service provider and hold its own bank accounts after seeing sponsor banks offboard fintech programmesnot Fundraise Up
  • An insurer handling premium collection and claims payment across several rails with approval controls and an auditable trailnot Fundraise Up

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Fundraise Up

  • The fee is a percentage of donations, so cost rises exactly as the product succeeds, and a single large gift routed through the checkout carries the same rate as a twenty pound one unless the agreement caps it.
  • It is a checkout, not a CRM, so it is always an additional cost on top of a donor database rather than a replacement for one.
  • Donor covered fee opt in rates vary widely by audience, so an organisation with an older or offline leaning donor base absorbs more of the fee than the sales model assumes.
  • Design control is limited to what the embedded component exposes, so brand teams that want full control over the giving experience will hit boundaries.
  • Live recurring gift authorisations are held in the platform, which makes leaving considerably harder than adopting, because migrating active mandates risks lapsing donors.

Modern Treasury

  • You must already have or be able to obtain your own bank accounts with the right connectivity, so early stage companies without a banking relationship cannot use it and are pushed towards a sponsor bank model instead.
  • Pricing rests on an annual minimum commitment, and companies that miss their volume forecast pay the minimum regardless, which makes the headline per-transaction rate close to irrelevant in year one.
  • Supported bank connectivity is a finite list, so if your bank is not on it you are either waiting for an integration or changing banks, which is a far larger project than adopting the software.
  • It is software over banking, not banking, so it does not solve card issuing, deposit accounts or the licensing questions that a company embedding financial products still has to answer elsewhere.
  • The ledger is genuinely good but adopting it properly means making it the source of truth for balances in your product, which is a significant application change rather than a payments integration and is where implementations run long.

Pricing, plan by plan

Fundraise Up

On request
  • Fundraise Up$undefined/year
    • Platform fee taken as a percentage of every donation processed
    • Card processing billed separately on top of the platform fee
    • Optional donor covered fee prompt shifts the cost to the giver rather than removing it

Modern Treasury

On request
  • Modern Treasury Platform$undefined/year
    • Platform access fee covering API, dashboard, infrastructure and support
    • Usage-based fees across ACH, wires, RTP, FedNow, push to card, cheques and stablecoins
    • A single annual minimum commitment that both platform and usage fees count towards

Which should you pick?

Choose Fundraise Up if

  • You need embedded donation checkout.
  • You also want digital wallet payments.
Fundraise Up review

Choose Modern Treasury if

  • You need multi-rail payment initiation.
  • You also want bank connectivity.
Modern Treasury review

Questions people ask

Is Fundraise Up or Modern Treasury better?
Neither clearly leads. Fundraise Up starts at On request and Modern Treasury at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Fundraise Up or Modern Treasury?
Fundraise Up starts at On request and Modern Treasury at On request.
Does Fundraise Up or Modern Treasury run on more platforms?
Both run on Web, so platform support will not decide this one for you.
What is Fundraise Up best used for?
Fundraise Up is most often used for a charity with a working crm and website that wants to raise online conversion without replatforming, an international organisation needing donors to give in local currency and language, a campaign pushing one time givers into monthly recurring support at the point of donation, a digital team that can measure conversion before and after and justify a percentage fee with data. Of those, a charity with a working crm and website that wants to raise online conversion without replatforming and an international organisation needing donors to give in local currency and language are not what Modern Treasury is typically brought in for.
What can Fundraise Up do that Modern Treasury cannot?
Fundraise Up covers Embedded donation checkout, Digital wallet payments, Recurring gift upgrade prompts, Multi currency and multi language. Modern Treasury covers Multi-rail payment initiation, Bank connectivity, Ledgers, Automatic reconciliation.

Answered from the vendors’ own pages

Fundraise Up: Is Fundraise Up a CRM?

No. It is a donation checkout that syncs into a CRM you already run, so budget for both.

Modern Treasury: Is Modern Treasury a bank or a banking as a service provider?

Neither. You hold your own bank accounts and it is software over them. That avoids sponsor bank concentration risk but means you need the bank relationship yourself.

Fundraise Up: How does it charge?

A percentage of each donation, plus separately billed card processing. There is no flat licence that insulates you from volume.

Modern Treasury: What does it cost?

Not published. A platform access fee plus usage fees across rails, on an annual term with a single minimum commitment. Negotiate the minimum, not the per-transaction rate.

Fundraise Up: Does the donor covered fee option remove the cost?

It shifts it. When donors opt in they pay the platform and processing fee; when they do not, the charity does.

Modern Treasury: Which rails are supported?

ACH, wires, RTP, FedNow, push to card, cheques and stablecoin payments, subject to what your bank supports.

Fundraise Up: What happens to recurring donors if we leave?

Active recurring authorisations sit with the platform and its processor, and migrating them is the part of an exit most organisations underestimate.

Modern Treasury: Do we still need our own compliance programme?

Yes. KYB, KYC and transaction monitoring are included in the platform, but you are the one holding the accounts and the regulatory obligation sits with you and your bank.

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