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# Global Payments & Liquidity

## A strategic approach to payables and receivables

We provide businesses with a robust suite of capabilities to manage working capital, including liquidity strategies, payments and receivable solutions, and foreign exchange. Our solutions use innovation and fintech to provide companies the essential tools needed to run their businesses.

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## Capabilities

### Payables

#### Payment solutions

We develop and implement a flexible payments strategy that can enhance working capital availability and potentially reduce costs. Our consolidated payable service simplifies the process by enabling the transmission of a single file containing multiple payment types and remittance information directly from an ERP or accounts payable system to the bank. Additionally, all payments can be reviewed and approved through our online banking system, ensuring accuracy and control.

#### Instant payments

Instant payments transform an organization’s accounts payable by providing 24/7/365 availability. Instant payments can meet customer demand while improving liquidity control. Our API channel offers intelligent routing — once the payment is initiated, it is sent through the most appropriate rail — RTP® and FedNow®.

#### Payments APIs

Electronic payments from your in-house platform can be used to reduce back-office friction and better manage cash flow. Our API channel provides developers with access to, and detailed documentation for, the APIs requested. Your developers review the reference guides and have access to our sandbox environment to start their design and development effort.

API developer portal: WF Gateway®

#### Commercial and virtual card solutions

Extending days payable outstanding and optimizing working capital can be achieved by leveraging favorable payment terms and retaining cash for longer periods. Incorporating card payments into a payment strategy can enhance working capital, maximizes discount opportunities, and streamlines the payables process.

### Receivables

#### Consolidated receivables

Automatically post cash receipts to your enterprise resource planning (ERP) platform or accounts receivable system using our consolidated cash receipts file. This consolidated file helps accelerate cash application while reducing the time spent on manually entering data and resolving exceptions.

#### Integrated receivables

Close the accounts receivable payment-to-posting loop with a fully automated, end-to-end solution. Send us a file of your open invoices; we reassociate with remittance detail before sending a cash application file back to your ERP or accounting platform.

#### Bill management

Electronically invoice customers, send payment reminders, and collect ACH payments. Sync your accounting system with our online platform for auto-reconciliation.

#### Global invoice payments

Allow international customers to make payments in a variety of local currencies, even when billing is done in U.S. dollars. The full payment amount is received and automatically reconciled with the corresponding invoice.

Liquidity solutions Liquidity solutions

#### Deposits

WF is a partner to treasurers, enabling our clients to scale their business using flexible solutions. Our strategies are employed to achieve a balance — from cash forecasting tools and pooling arrangements to intercompany loans that help reduce external borrowing costs.

#### Liquidity management

Effective liquidity management has moved beyond just mobilizing cash to addressing the liquidity risks inherent in a company’s financial supply chain.

WF partners with treasurers to provide the right solution, balancing two weighty demands: Ensuring sufficient funds to meet both short- and long-term obligations and actively minimizing the risk-adjusted costs of financing. Since cash flow can be unpredictable, and the capital needed to fund any shortfalls can be expensive, reaching your desired equilibrium might seem like a daunting task. WF is your partner to implement and scale the right solution at the right time.

### Fraud prevention and its potential benefits

#### Account validation services

Reduce transaction fraud with real-time account ownership and account status screening functionality.

#### ACH Fraud Filter

Make pay or return decisions, automatically stop unauthorized transactions, and monitor converted check entries.

#### Fraud Manager Potential Benefits

Access fraud prevention services — ACH Fraud Filter, Positive Pay, and more —through our online banking platform.

#### Payment Authorization

Place limits on check cashing, including dollar restrictions or prohibiting cash back entirely.

#### Perfect Receivables®

Use proxy account numbers to route incoming ACH and wire payments.

#### Positive pay with payee validation

Identify potentially unauthorized or fraudulent checks by matching checks presented against your check issue file.

Learn more to help combat payments fraud >

### Information reporting & data services

#### Treasury information reporting

Benefit from real-time transaction alerts, multibank reporting, and multicurrency reporting to gain a more spot-on picture of your cash position — at any time of day. Getting an accurate view of company finances is one of the biggest challenges businesses face. Our comprehensive reporting solutions, through the WF Vantage® portal, provide you with your company’s critical financial data. Get fast, online access and, most importantly, information customized for your business.

#### File transmission services

Flexible options enable the transmission and receipt of files securely, while protecting data confidentiality. We offer a suite of convenient transmission options to choose from, so you can choose the method of information exchange that works best for your organization.

#### Global payments information messaging

Connect to a single network to send and receive banking information securely in one format, standardizing messages for all your organization’s payments — domestic and international — and other financial services.

As a Swift member bank, we can provide payment details, including exchange rate costs, payment status, and total processing time. In addition to supporting Swift’s SCORE (Standardized Corporate Environment) membership model, we also provide interface software through SwiftNet, an internet protocol-based platform, and cloud-based SWIFT Alliance Lite. Data and reporting APIs >

Create faster and easier communication between you and your banking services. Our data and reporting APIs can help integrate banking information into your regular workstream. Your developers can access our API channel to review detailed documentation, reference guides, and our sandbox environment to start their design and development efforts.

#### Online banking platform

Get your banking done efficiently with Vantage®, an integrated, intuitive, and user-centric experience that can scale as your organization evolves and grows.

### Global money movement

Our significant experience and global reach are evidenced by our network’s presence in over a hundred countries and our substantial transaction volume. One in seven cross-border transactions globally are processed by WF. We strive to process payments efficiently and transparently and help provide predictable experiences to your clients and counterparties.

WF actively participates in shaping the global payments industry via leadership positions in The Clearing Houses’ Chips Business Committee and has played leadership roles in the Baft Payment Council, the Payment Market Practice Group, Swift U.S. Cash and Trade Committee, and ISO 20022 U.S. Mirror Group.

Merchant Services Solutions Merchant Services Solutions

Accept debit and credit cards and other forms of payment online, over the phone, or in person through a single omnichannel payment gateway — while helping protect your business and your customers from the continually evolving threat of fraud in the electronic payments space.

Learn more about Merchant Services Solutions >

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## Solutions

### Business Essentials

Run your business efficiently with a complete set of services installed from the start. Activate the ones you need as your business grows.

- Payments: Transfer money electronically through the Automated Clearing House (ACH) network, secure electronic wire transfer, traditional paper-based checks or desktop deposit.
- Fraud: Leverage tools such as ACH fraud filter, positive pay, payment authorization and payee validation—an extension of positive pay that identifies discrepancies between payee information on check and payee information your customer provided for that check.
- Visibility: Gain a clear view of your day-to-day operations with basic banking, transaction and image search, alerts, statements & notices, express balance information reporting, and ACH NOC Returns Reports.

### Bill Manager – Paperless payment processing

It’s time to go digital and streamline your process all around.

- This solution minimizes the need for IT resources. Bill Manager is straightforward to implement. After one hour of setup, you may start to see a faster, more efficient way to pay and get paid.
- It can improve your process with minimal disruption. Bill Manager is a more efficient improvement to your process. Say goodbye to the manual processes you do before and after payments are sent.
- And, it syncs with many types of accounting software. Bill Manager seamlessly syncs with QuickBooks, Xero, NetSuite, and Intacct and gives you automatic reconciliation to keep your records straight.

### WF Vantage®

WF Vantage® is an integrated, intuitive platform to help modernize your banking experience. It offers a user-focused experience and platform which can scale with you as your business grows and changes; focusing on the financial views that matter most to your business.

Vantage showcases tasks, account balances, loan activity, and recent actions front-and-center helping you focus on your priorities. Plus, quick click action icons let you initiate money movement in a simple, efficient way; standardizing your experience and streamlining workflows.

Vantage is the digital expansion of your WF relationship; progressively using technology and innovation to help connect your business touchpoints.

Learn more about Vantage>

### Treasury Takeaways podcast series

The world of finance continues to evolve at a staggering pace, impacting nearly every aspect of the way treasurers do business. Market events and technological advances have transformed the discipline, resulting in both opportunities and challenges.

Listen to the latest >

### Instant payments: Simplify, innovate, and thrive

Watch video >

Vendor payment best practices

Download infographic >

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## Reach out to get started

Let’s connect. We’re focused on providing tailored products and services to meet the unique banking needs of commercial businesses with annual revenues ranging from $25 million to $2 billion.

Contact us

RTP® is a registered service mark of The Clearing House Payments Company L.L.C.

You need a developer or IT resource who will test and implement the APIs. If you don’t have sufficient internal IT resources to manage this implementation, we recommend you engage a technical consultant or third party.

We offer foreign exchange hedging products and services through WF Bank, N.A., which is a swap dealer registered with the Commodity Futures Trading Commission and a member of the National Futures Association. Availability of foreign exchange hedging products is subject to customer suitability and WFBNA approval.

Swift data, June 2024.

RO-4434706

LRC-0525

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