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Modern Treasury SCIM guide

Native SCIM

How to automate Modern Treasury user provisioning, and what it actually costs

Native SCIM requires Enterprise plan

Summary and recommendation

Modern Treasury supports native SCIM 2.0 provisioning, but only on Enterprise plans with custom pricing starting around $499/month. SCIM must be manually enabled by customer support, and SSO setup requires contacting your CSM or support team - adding operational friction to what should be automated processes. For organizations on lower tiers or those seeking transparent pricing, this creates a significant barrier to implementing proper user lifecycle management.

The gap between SSO availability and automated provisioning creates ongoing manual overhead for IT teams. Without SCIM, you're stuck manually creating and deprovisioning user accounts in Modern Treasury, defeating the purpose of centralized identity management. This manual process introduces security risks around timely offboarding and compliance gaps around user access auditing.

The strategic alternative

Modern Treasury gates SCIM behind Enterprise. Skip the Enterprise plan upgrade and automate complete outcomes across your stack. We maintain the integration layer underneath. You focus on judgment, not plumbing.

Quick SCIM facts

SCIM available?Yes
SCIM tier requiredEnterprise
SSO required first?No
SSO available?Yes
SSO protocolSAML 2.0
DocumentationNot available

Supported identity providers

IdPSSOSCIMNotes
OktaOIN app with full provisioning
Microsoft Entra IDGallery app with SCIM
Google WorkspaceJIT onlySAML SSO with just-in-time provisioning
OneLoginSupported

The cost of not automating

Without SCIM (or an alternative like Stitchflow), your IT team manages Modern Treasury accounts manually. Here's what that costs:

Source: Stitchflow research, normalized to 500 employees:
Orphaned accounts (ex-employees with access)5
Unused licenses12
IT hours spent on manual management/year85 hours
Unused license cost/year$3,500
IT labor cost/year$5,100
Cost of compliance misses/year$890
Total annual financial impact$9,490

The Modern Treasury pricing problem

Modern Treasury gates SCIM provisioning behind premium plans, forcing significant cost increases for basic user management.

Plan Structure

PlanPriceSSOSCIM
ProCustom pricing
BusinessCustom pricing
EnterpriseCustom (starting ~$499/month)

Note: SCIM must be manually enabled by Modern Treasury's customer support team even after upgrading to Enterprise.

What this means in practice

Modern Treasury's opaque pricing model creates several challenges:

No self-service
Every pricing conversation requires sales engagement, extending procurement timelines
Minimum commitment
Enterprise tier likely requires annual contracts and minimum user commitments
Hidden costs
Published starting price of ~$499/month may not reflect actual Enterprise pricing for larger teams
Support dependency
Even paying Enterprise customers must contact support to activate SCIM features

Additional constraints

Manual enablement
SCIM provisioning requires contacting customer support or your CSM to activate, even on Enterprise plans.
SSO setup complexity
Single sign-on configuration also requires direct coordination with Modern Treasury's support team rather than self-service setup.
Limited transparency
Without public pricing, IT teams cannot budget accurately or compare costs against alternatives during vendor evaluation.
Payment processing fees
Direct file transmission and other treasury operations may incur additional per-transaction costs beyond the base platform fee.

Summary of challenges

  • Modern Treasury supports SCIM but only at Enterprise tier (Custom (starting ~$499/month))
  • Google Workspace users get JIT provisioning only, not full SCIM
  • Our research shows teams manually provisioning this app spend significant hidden costs annually

What the upgrade actually includes

Modern Treasury doesn't sell SCIM separately. It's bundled with Enterprise features at custom pricing starting around $499/month:

SCIM 2.0 automated provisioning (requires support team enablement)
SAML single sign-on via Auth0/Okta
Advanced user management and role-based access controls
Enhanced security features and compliance controls
Dedicated customer success manager
Premium support tiers
Custom integrations and API access
Advanced reporting and analytics

Stitchflow Insight

The Enterprise tier is designed for large financial operations with complex treasury needs. If you're primarily seeking automated user provisioning, you're paying for sophisticated payment rails, banking integrations, and financial controls that may exceed your requirements. We estimate ~80% of Enterprise features are irrelevant for teams that only need streamlined user management.

What IT admins are saying

Community sentiment on Modern Treasury's SCIM implementation centers around accessibility barriers and support friction. Common complaints:

  • Having to contact customer support just to enable SCIM functionality
  • No transparent pricing - everything requires custom Enterprise quotes
  • SSO setup requiring CSM involvement instead of self-service configuration
  • High minimum commitments starting around $499/month excluding smaller finance teams

Why do I need to open a support ticket just to turn on SCIM? This should be a simple toggle in the admin panel.

Reddit r/sysadmin

Got quoted $2K/month minimum for Enterprise just to get automated user provisioning. That's more than some companies spend on their entire SaaS stack.

Spiceworks Community

The recurring theme

Modern Treasury treats basic identity management as a premium enterprise feature, forcing IT teams through lengthy sales processes and high minimum spends just to automate user lifecycle management.

The decision

Your SituationRecommendation
Need SCIM but not on Enterprise planUse Stitchflow: avoid the custom Enterprise pricing and lengthy sales process
Already on Enterprise with SCIM enabledUse native SCIM: you're paying for it and it's properly supported
Customer support hasn't enabled SCIM yetUse Stitchflow: skip the support ticket queue and manual enablement process
Need provisioning but Enterprise is overkillUse Stitchflow: get SCIM-level automation without the enterprise commitment
Small treasury team, infrequent changesManual may work: but monitor for access governance gaps

The bottom line

Modern Treasury gates SCIM behind Enterprise. Stitchflow automates complete workflows without that SCIM Tax upgrade.

Make Modern Treasury workflows AI-native

Modern Treasury gates SCIM behind Enterprise. We build complete offboarding, user access reviews, and license workflows without that SCIM Tax upgrade.

No Enterprise upgrade required
Less than a week, start to finish (~2 hours of your time)
We maintain the integration layer underneath
Book a Demo

Technical specifications

SCIM Version

2.0

Supported Operations

Create, Update, Deactivate, Groups

Supported Attributes

Not specified

Plan requirement

Enterprise

Prerequisites

None

Key limitations

  • SCIM must be enabled by customer support
  • SSO setup requires contacting CSM or support team
  • Custom pricing - no public pricing tiers
  • Direct file transmission charges can be costly

Documentation not available.

Configuration for Entra ID

Integration type

Microsoft Entra Gallery app with SCIM provisioning

Where to enable

Entra admin center → Enterprise applications → Modern Treasury → Provisioning

Required credentials

Tenant URL (SCIM endpoint) and Secret token (bearer token from app admin console).

Configuration steps

Set Provisioning Mode = Automatic, configure SCIM connection.

Provisioning trigger

Entra provisions based on user/group assignments to the enterprise app.

Sync behavior

Entra provisioning runs on a scheduled cycle (typically every 40 minutes).

SAML 2.0 SSO and SCIM provisioning supported

Modern Treasury gates SCIM behind Enterprise. Stitchflow automates complete workflows without that SCIM Tax upgrade.

Unlock SCIM for
Modern Treasury

Modern Treasury gates SCIM behind Enterprise plan. We automate complete offboarding and access reviews across your stack without that SCIM Tax upgrade.

See how it works
Admin Console
Directory
Applications
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Modern Treasury
via Stitchflow

Last updated: 2026-01-20

* Pricing and features sourced from public documentation.

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