Manage, approve, and track payments with full treasury control.
Full Control. Full Visibility. Every Payment.
Payments4 gives treasury real-time control over high-value payments with automated governance and instant liquidity visibility.
Secured Payments
Real-Time Data
Track Payments
Governance
Protect payment data from shared exposure
Approval workflows are configured at the entity, account, and transaction level, ensuring high-value payments follow treasury policy automatically, without email routing or manual escalation.
- Prevent out-of-policy payments with configurable multi-level approval workflows based on amount, currency, and entity
- Enforce clear accountability through separation of duties and full initiator/approver traceability
- Ensure payments only go to counterparties and accounts already verified in Entity4, no free-text entry, no unrecognized payees
- Accelerate audits and reviews with a centralized log of approvals, workflow changes, and payment message history
- Scale governance as you grow with multi-rule, multi-currency controls that expand alongside transaction volume and entity complexity
Turn data-rich payments by default
Most payment systems capture what was sent. Payments4 captures why—with structured entity, counterparty, account, and categorization data attached to every transaction from the moment it's initiated.
- Eliminate manual enrichment and reconciliation by automatically populating every payment with entity and counterparty metadata sourced directly from Entity4.
- Improve forecast accuracy from initiation by embedding cash flow classifications and GL codes into payment templates so transactions land in Cash4 already structured.
- Increase straight-through processing and system alignment by sending ISO 20022-compliant, full-meta payment data that banks, ERPs, and reporting platforms can immediately consume.
- Accelerate audit and compliance reporting by storing complete message-level metadata, including initiator, approver, timestamps, and bank responses, without requiring reconstruction.
Execute and track payments in real time
Manage bank payments with real-time status tracking and projected cash position visibility as funds move.
- Track every payment from initiation to confirmation, with status visible at each stage of the workflow
- Remove portal dependency through direct API connectivity
- See liquidity impact in Cash4 through projected transactions, with available balances updated after payment status retrieval
- Confirm funds with bank-confirmed acknowledgments and message-level traceability stored at the transaction level
- Centralize payment visibility across domestic and cross-border transactions in one platform
Replace manual controls with built-in governance
A payment shouldn't stall just because a signer left or an ID expired. Entity4 connects your authority maps to your payment flow, so you never have to guess who has the power to move money.
- Know who has the keys. See every admin and signer in one view, so you know exactly which accounts to update the moment a role changes.
- No more "expiration" surprises. Get alerts before authority or documents expire so you can fix the bottleneck before it stalls a transaction.
- Authority meets Cash. Map your target balances directly to your signers, ensuring the money you have is money you can actually move.
Not sure if your current approval structure would hold up under audit or scale? Review our 5 questions to ask before committing to a treasury platform.
Full Control. Full Visibility. Every Payment.
Payments4 gives treasury real-time control over high-value payments with automated governance and instant liquidity visibility.
Scaling payments without losing control
After a rapid expansion, a growing company is suddenly managing new entities, bank accounts, and signers. Payments must move quickly, but approval requests start circulating through email and visibility into authority becomes unclear.
Payments4 replaces that uncertainty with structured workflows tied to each entity and account, ensuring every payment follows policy before funds are released.
As the business grows, governance stays intact, and treasury scales without increasing risk.
Payments4 vs. Legacy Systems
Modern treasury can’t rely on email approvals, bank portals, and disconnected payment workflows. Here’s how Payments4 compares to legacy approaches.
Payments4
Legacy Systems
Real-time payment visibility
Track every payment from initiation to confirmation with live bank status updates.
Portal-dependent tracking
Log into multiple bank portals or wait for batch confirmations to verify settlement.
Built-in approval governance
Enforce rule-based approval workflows tied to entity, account, and amount.
Email-based approvals
Route payment requests through inboxes with limited control and audit traceability.
Policy enforced before release
Prevent out-of-policy payments automatically through structured controls.
Manual control checks
Rely on human review to catch errors or unauthorized payments.
Integrated liquidity impact
Payments update cash position instantly in Cash4.
Disconnected cash visibility
Liquidity impact isn’t visible until after settlement or reconciliation.
Single-tenant payment infrastructure
Dedicated environment isolates bank and payment data.
Shared or fragmented systems
Multi-tenant or siloed platforms increase exposure and complexity.
Direct bank connectivity
API integrations mapped to your environment.
File uploads and hard-coded formats
Custom bank files and manual IT intervention to maintain connections.
Full audit traceability
Initiator, approver, and bank response logs stored and exportable.
Reconstructed audit trails
Scramble to piece together approval history from email and spreadsheets.
Categorized payment data
Structured transactions feed reporting and forecasting automatically.
Spreadsheet cleanup before reporting
Manual recategorization required before analytics or board reporting.
From Kickoff to First
Payment in Weeks
Go live quickly with direct bank connectivity, structured approval workflows, and real-time payment tracking. We handle configuration, bank integrations, and testing so treasury can efficiently move from setup to live execution.
Connect Without
Rebuilding Your Stack
Payments4 integrates directly with your banks, ERP, and Treasury4 modules through API connections. No portal dependency. No custom file gymnastics. Just secure, scalable payment infrastructure that fits into your existing environment.
Scale Payments Without Scaling Risk
As entities, banks, and volume grow, your controls shouldn’t break. Payments4 keeps governance intact at every stage of growth.
FAQs
