No more payment files uploaded by hand.
Connect SAP to your banks so payments leave without manual files, statements reconcile every day and treasury sees today's cash.
For CFOs, treasurers, controllers and SAP Directors.
Bank integration is a control topic, not just IT.
Fraud risk
Files edited between SAP and the bank are a known exposure.
Close speed
Daily reconciliation shortens the month-end close.
Cash visibility
Treasury decides with today's balances.
Four flows between SAP and your banks.
Payments
Payment runs leave SAP in the bank's format, signed and approved, without manual uploads to bank portals.
- Payment run and approval workflow
- Formats such as ISO 20022 (pain.001) and bank-specific files
- Domestic and cross-border payments
- No files edited by hand
- Approvals enforced in the system
Bank statements
Statements arrive in SAP every day and most lines reconcile automatically.
- Formats such as camt.053 and MT940
- Matching rules by bank and account
- Exception queue for what doesn't match
- Less manual reconciliation
- Daily, not monthly, cash truth
Payment status
Know whether each payment was accepted, rejected or returned, inside SAP.
- Bank acknowledgements and status reports
- Alerts for rejected or returned payments
- Suppliers paid on time
- Fewer calls to the bank
Cash position
Balances from every bank and entity in one view for treasury.
- Cash position and liquidity forecast
- Multi-bank, multi-entity, multi-currency
- Better funding decisions
- Less idle cash
Five signs your bank integration needs work.
Someone downloads from SAP and uploads to each bank portal: a control and fraud risk.
Statements are matched in spreadsheets at month end.
Formats, channels and calendars vary by bank and country.
Balances come from portals and emails, not from SAP.
The supplier calls before anyone notices.
Usually two to four weeks to a clear bank connectivity plan.
- Week 1
Map banks and flows
Accounts, formats, channels and manual steps.
- Weeks 2–3
Assess controls
Approvals, file handling and reconciliation rules.
- Week 4
Design
Connection option, target flows and plan.
- Typical timing; the final plan depends on scope.
- Bank and flow inventory with risks
- Connection option recommendation
- Implementation plan and estimate
Where the work happens in SAP.
Payment run
Payment methods, DMEE formats and approvals.
Bank communication
Bank Communication Management and connectivity.
Electronic statements
Import, search strings and posting rules.
Bank accounts
Bank account management and signatories.
Cash management
Cash position and liquidity forecast.
Integration
Multi-Bank Connectivity, host-to-host, APIs.
Questions to resolve before starting
Which banks do you work with?+
We work with the banks our clients use. Each bank's formats and channels are confirmed with the bank during the project.
Which connection options exist?+
Common options are SAP Multi-Bank Connectivity, host-to-host connections and bank APIs. The right one depends on your banks, volume and landscape.
Does this work on ECC?+
Yes, on ECC and S/4HANA. The design should take your S/4HANA plans into account.
What about Mexico and other countries?+
Local formats and rules are part of the assessment for each country and bank.
List your banks and how files move today.
We'll show you where the risk is and how to close it.