1. Juspay
Juspay · Bengaluru · Payment gateways & UPI · 4.4/5
Payment orchestration and checkout for large merchants and banks.
On request
Quote-based
Compared with Modern Treasury
- Built in India (Bengaluru)
Payment gateways & UPI · Alternatives
Best Modern Treasury alternatives in India (2026)
Modern Treasury is a payment gateways & upi product from Modern Treasury Corp., San Francisco, priced at On request. We compared 20 alternatives on published price, free plan, platforms and made-in-India support: 1 have a free plan, 13 are built in India, and 1 start cheaper or free.
Quick answer
The closest alternatives to Modern Treasury are Juspay (On request), BillDesk (On request), Found (On request), Adyen (On request) and Setu (On request). Found is the top-ranked option with a free plan.
Why businesses look for a Modern Treasury alternative
There is no free plan
Modern Treasury has no free tier. 1 alternatives do, which lets you test with real data before you pay.
Indian support and GST
Modern Treasury is built in United States. 13 alternatives are made in India, where GST, TDS and UPI are usually handled natively and support runs on IST.
Modern Treasury alternatives compared
Ranked by how closely each product matches Modern Treasury's category, pricing model, platforms and business size, then by rating. Prices exclude GST.
| # | Software | Starting price | Free plan | Platforms | Made in India | Rating | Compare |
|---|---|---|---|---|---|---|---|
| — | Modern Treasury (current) | On request | No | Web | No | 4/5 | — |
| 1 | Juspay | On request | No | Web | Yes | 4.4/5 | |
| 2 |  BillDesk | On request | No | Web | Yes | 4.4/5 | |
| 3 |  Found | On request | Yes | Web | No | 4.3/5 | |
| 4 |  Adyen | On request | No | Web | No | 4.2/5 | |
| 5 |  Setu | On request | No | Web | Yes | 4.2/5 | |
| 6 |  2C2P | On request | No | Web | No | 4.2/5 | |
| 7 |  M2P Fintech | On request | No | Web | Yes | 4.3/5 | |
| 8 |  Zeta | On request | No | Web | Yes | 4.2/5 | |
| 9 |  Decentro | On request | No | Web | Yes | 4.2/5 | |
| 10 |  Checkout.com | On request | No | Web | No | 4.1/5 | |
| 11 |  Innoviti | On request | No | Web | Yes | 4.3/5 | |
| 12 |  Payphi (PhiCommerce) | On request | No | Web | Yes | 4.2/5 | |
| 13 |  Aurionpro | On request | No | Web | Yes | 4.2/5 | |
| 14 |  Lyra Network India | On request | No | Web | Yes | 4.2/5 | |
| 15 |  Worldline India | On request | No | Web | Yes | 4.4/5 | |
| 16 |  Bharat BillPay (BBPS) | On request | No | Web | Yes | 4.1/5 | |
| 17 |  Velocity | On request | No | Web | Yes | 4.1/5 | |
| 18 |  Braintree | On request | No | Web | No | 4/5 | |
| 19 |  C2FO | On request | No | Web | No | 4/5 | |
| 20 |  Corcentric | On request | No | Web | No | 4/5 |
Top 10 Modern Treasury alternatives in detail
2. BillDesk
IndiaIdeas.com · Mumbai · Payment gateways & UPI · 4.4/5
Enterprise payment and bill-pay platform used by banks and utilities.
On request
Quote-based
Compared with Modern Treasury
- Built in India (Mumbai)
3. Found
Found · San Francisco · Payment gateways & UPI · 4.3/5
Business checking for small business owners with built-in bookkeeping, invoicing and tax tools.
On request
Free plan available
Compared with Modern Treasury
- Has a free plan — Modern Treasury does not
On request
Quote-based
5. Setu
Setu (Pine Labs) · Bengaluru · Payment gateways & UPI · 4.2/5
UPI, account aggregator and bill-pay APIs for developers.
On request
Quote-based
Compared with Modern Treasury
- Built in India (Bengaluru)
On request
Quote-based
7. M2P Fintech
M2P Fintech · Chennai · Payment gateways & UPI · 4.3/5
Card issuing and banking-as-a-service platform.
On request
Quote-based
Compared with Modern Treasury
- Built in India (Chennai)
8. Zeta
Zeta · Bengaluru · Payment gateways & UPI · 4.2/5
Modern card and banking processing for banks and fintechs.
On request
Quote-based
Compared with Modern Treasury
- Built in India (Bengaluru)
9. Decentro
Decentro · Bengaluru · Payment gateways & UPI · 4.2/5
Banking and payments APIs for fintech products.
On request
Quote-based
Compared with Modern Treasury
- Built in India (Bengaluru)
10. Checkout.com
Checkout.com · London · Payment gateways & UPI · 4.1/5
Global payment processing for enterprises.
On request
Quote-based
Modern Treasury alternatives by what you need
Cheaper than Modern Treasury
Free Modern Treasury alternatives
Indian alternatives to Modern Treasury
How to choose a Modern Treasury alternative
- Compare the total cost: MDR on UPI is zero by regulation, but cards, net banking and international payments carry 1.5–3%, plus GST on fees.
- Ask for success-rate data on your traffic mix. A gateway with weak bank integrations loses a few percent of every checkout silently.
- Check onboarding requirements — website content, business registration, bank verification — before building the checkout.
Modern Treasury alternatives — FAQs
What is the best alternative to Modern Treasury in 2026?+
The closest matches to Modern Treasury on App Advisor are Juspay (On request), BillDesk (On request), Found (On request). They are ranked by how closely their category, pricing model, platforms and target business size match Modern Treasury, then by rating. The best choice depends on your team size and budget.
Is there a free alternative to Modern Treasury?+
Yes. 1 of the 20 alternatives listed have a free plan or are free: Found (On request). Free plans usually cap users, records or transactions, so check the limits against your monthly volume.
Is there an Indian alternative to Modern Treasury?+
Yes. 13 alternatives are built in India, including Juspay (On request), BillDesk (On request), Setu (On request). Indian products usually handle GST, TDS and UPI natively and bill in rupees.
Modern Treasury vs Juspay: which is better?+
Juspay is the closest match to Modern Treasury in our catalogue. Key differences: Built in India (Bengaluru). Compare them side by side before you book a demo.
How were these Modern Treasury alternatives chosen?+
Every product listed sits in payment gateways & upi or a category Modern Treasury also covers, and Modern Treasury Corp.'s own products are excluded. Prices, free plans and platforms come from each vendor's official website. App Advisor does not sell any of this software.
Free shortlist
Not sure which Modern Treasury alternative fits?
Tell us your team size and budget and we'll send a shortlist of three.
Related alternatives
Juspay alternativesBillDesk alternativesFound alternativesAdyen alternativesSetu alternatives2C2P alternativesM2P Fintech alternativesZeta alternativesDecentro alternativesCheckout.com alternativesInnoviti alternativesPayphi (PhiCommerce) alternativesAll payment gateways & upi alternativesBrowse all alternatives