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APIs · head to head

Tuum vs Volt

Tuum logo

Tuum

APIs

Modular core banking platform from Estonia, formerly branded Modularbank

From
On request
Rated
-
Full reviewWebsite
Volt logo

Volt

APIs

Account-to-account pay by bank across Europe, the UK, Brazil and Australia

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Tuum it is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.; Volt account-to-account payments carry no chargeback mechanism, so consumers lose scheme dispute protection and merchants lose a familiar framework for handling claims.
  • They diverge on capability: Tuum covers Modular product structure, Volt covers Pay by bank.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Tuum and Volt actually diverge.

Attributes where Tuum and Volt differ
AttributeTuumVolt
PlatformsWeb, APIWeb, REST API

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

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 Tuum

  • Modular product structure
  • Low-code integration middleware
  • Cloud-agnostic deployment
  • Multi-currency real-time accounts
  • Cards and lending modules
  • Faster migration timeline

Only in Volt

  • Pay by bank
  • Circuit Breaker
  • Virtual IBANs
  • Payouts and refunds
  • Verify
  • Stablecoin checkout

What people use each for

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

Tuum

  • A bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at oncenot Volt
  • A fintech in the DACH region or Middle East wanting a European core banking vendor with regional expansion focusnot Volt
  • An institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuildnot Volt
  • A company researching "Modularbank" that needs to confirm it is the same company now branded Tuumnot Volt

Volt

  • A travel seller with high average order values paying percentage card fees it wants to replace with flat transfer feesnot Tuum
  • An iGaming operator needing fast deposits and payouts where card acceptance is restrictednot Tuum
  • A merchant with heavy card fraud that wants strongly authenticated irreversible paymentsnot Tuum
  • A marketplace verifying seller bank accounts before paying outnot Tuum

Where each one falls short

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

Tuum

  • It is a smaller, younger company than Mambu, so it has fewer live reference deployments and a shorter track record to evaluate risk against.
  • The 2022-era rebrand from Modularbank to Tuum means older funding records, case studies and press coverage appear under a different name, complicating due diligence for anyone unaware of the change.
  • Pricing is entirely unpublished, requiring a sales conversation to budget against competing composable core vendors.
  • Its geographic expansion into DACH and the Middle East is comparatively recent, so support depth and local regulatory expertise in those markets are less proven than in its home Baltic and Nordic base.
  • As with any core banking platform, choosing Tuum is a multi-year infrastructure commitment; switching cores after implementation is a major undertaking regardless of how modular the initial adoption was.

Volt

  • Account-to-account payments carry no chargeback mechanism, so consumers lose scheme dispute protection and merchants lose a familiar framework for handling claims.
  • Refunds are outbound payments rather than reversals, which changes treasury handling and means a refund can fail for reasons a card refund never would.
  • Conversion is lower than a stored card because the shopper must complete a bank authentication journey, and drop-off varies significantly by bank.
  • Core pay by bank pricing is per transaction but refunds, payouts, virtual IBANs, Verify and fraud tooling are billed separately, so the real cost is a stack of line items.
  • Bank API availability and quality vary across markets, and an outage at a major bank removes a slice of your checkout with no fallback unless you keep cards live.

Pricing, plan by plan

Tuum

On request
  • Tuum$undefined/year
    • Subscription and module-based pricing, not published
    • Custom quote required via sales

Volt

On request
  • Volt pay by bank$undefined/year
    • Per successful transaction fee, quoted by volume and market
    • Separate charges for refunds, payouts, virtual IBANs and Verify
    • Circuit Breaker fraud tooling priced as an add-on

Which should you pick?

Choose Tuum if

  • You need modular product structure.
  • You work on Web, API.
  • You also want low-code integration middleware.
Tuum review

Choose Volt if

  • You need pay by bank.
  • You work on Web, REST API.
  • You also want circuit breaker.
Volt review

Questions people ask

Is Tuum or Volt better?
Neither clearly leads. Tuum starts at On request and Volt at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Tuum or Volt?
Tuum starts at On request and Volt at On request.
Does Tuum or Volt run on more platforms?
Tuum runs on Web, API. Volt runs on Web, REST API.
What is Tuum best used for?
Tuum is most often used for a bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at once, a fintech in the dach region or middle east wanting a european core banking vendor with regional expansion focus, an institution wanting low-code middleware to connect new modules to an existing legacy core rather than a full rebuild, a company researching "modularbank" that needs to confirm it is the same company now branded tuum. Of those, a bank wanting to migrate specific banking products to the cloud within months rather than replacing its entire core at once and a fintech in the dach region or middle east wanting a european core banking vendor with regional expansion focus are not what Volt is typically brought in for.
What can Tuum do that Volt cannot?
Tuum covers Modular product structure, Low-code integration middleware, Cloud-agnostic deployment, Multi-currency real-time accounts. Volt covers Pay by bank, Circuit Breaker, Virtual IBANs, Payouts and refunds.

Answered from the vendors’ own pages

Tuum: Is Tuum the same company as Modularbank?

Yes, Modularbank rebranded to Tuum; it is the same company and platform.

Volt: Are there chargebacks?

No. Bank transfers are irrevocable, so disputes are handled commercially between merchant and customer, not through a card scheme.

Tuum: Where is it strongest geographically?

Its base is Estonia and the Nordic and Baltic region, with newer expansion into DACH and the Middle East.

Volt: How do refunds work?

As a separate outbound payment initiated by the merchant, which Volt charges for separately from the inbound transaction.

Tuum: Is pricing published?

No, subscription and module pricing require a sales conversation.

Volt: Which markets are covered?

Europe and the UK, plus Brazil and Australia, on a single API integration.

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