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Accounting · head to head

Modern Treasury vs Tripletex

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
Tripletex logo

Tripletex

Accounting

Norwegian cloud accounting and ERP system for bookkeeping, invoicing and payroll

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Tripletex has a free tier, so it costs nothing to try first.
  • Each has a real cost: 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.; Tripletex pricing only in Norwegian Krone, limited for international customers
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Modern Treasury and Tripletex actually diverge.

Attributes where Modern Treasury and Tripletex differ
AttributeModern TreasuryTripletex
Starting priceOn requestFree
Pricing modelquotesubscription
Free tierNoYes

Identical on both: platforms (Web), user rating (Not yet rated), category (Accounting).

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 Modern Treasury

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

Only in Tripletex

Nothing recorded that Modern Treasury does not also cover.

What people use each for

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

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 Tripletex
  • A lender originating and servicing loans that must track disbursements, repayments and returns against its own bank accountsnot Tripletex
  • 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 Tripletex
  • An insurer handling premium collection and claims payment across several rails with approval controls and an auditable trailnot Tripletex

Tripletex

  • Small business accountingnot Modern Treasury
  • Invoice managementnot Modern Treasury
  • Payroll processingnot Modern Treasury
  • Project trackingnot Modern Treasury

Where each one falls short

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

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.

Tripletex

  • Pricing only in Norwegian Krone, limited for international customers
  • Mobile app features not fully detailed

Pricing, plan by plan

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

Tripletex

Free
  • Basis$199/month
    • Invoice (Faktura)
    • Accounting (Regnskap)
    • Mobile app
  • Smart$299/month
    • Everything in Basis
    • Smart automation
    • Optional: payroll, travel, integrations
  • Pro$479/month
    • Everything in Smart
    • Integrations included
    • Payroll, travel, hours tracking
  • Komplett$649/month
    • Everything in Pro
    • Project management
    • Project budgeting

Which should you pick?

Choose Modern Treasury if

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

Choose Tripletex if

  • You want to start without paying.
Tripletex review

Questions people ask

Is Modern Treasury or Tripletex better?
Neither clearly leads. Modern Treasury starts at On request and Tripletex at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Modern Treasury or Tripletex?
Tripletex has a free tier; the other does not. Paid plans start at On request for Modern Treasury and Free for Tripletex.
Does Modern Treasury or Tripletex run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Tripletex for free?
Yes. Tripletex has a free tier, so you can try it without paying. Modern Treasury starts at On request.
What is Modern Treasury best used for?
Modern Treasury is most often used for a marketplace paying out to thousands of sellers that needs a ledger its application can trust rather than reconciling a payments dashboard by hand, a lender originating and servicing loans that must track disbursements, repayments and returns against its own bank accounts, 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 programmes, an insurer handling premium collection and claims payment across several rails with approval controls and an auditable trail. Of those, a marketplace paying out to thousands of sellers that needs a ledger its application can trust rather than reconciling a payments dashboard by hand and a lender originating and servicing loans that must track disbursements, repayments and returns against its own bank accounts are not what Tripletex is typically brought in for.
What can Modern Treasury do that Tripletex cannot?
Modern Treasury covers Multi-rail payment initiation, Bank connectivity, Ledgers, Automatic reconciliation.

Answered from the vendors’ own pages

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.

Tripletex: Does Tripletex offer a free trial?

Yes. Tripletex offers a 14-day free trial with no payment details required. Additionally, new companies starting an AS (limited company) through Tripletex get 30 days of free access.

Source
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.

Tripletex: Can you upgrade or downgrade Tripletex plans?

Yes. According to the pricing page, 'upgrade or downgrade when needs change.' All plans are modular, and you only pay for features you use.

Source
Modern Treasury: Which rails are supported?

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

Tripletex: Is support included in Tripletex plans?

Yes. Free support (Gratis support) is included in all plans. Premium support levels are available on higher tiers.

Source
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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