Skip to main content

# Global Payments & Liquidity

## Advanced treasury management tools and risk protection

Our Global Payments & Liquidity group is dedicated to optimizing your financial processes by delivering innovative solutions designed to enhance financial operations. We offer a suite of services including cash management, liquidity solutions, and risk management, tailored to meet your business needs. By working with us, you can streamline transactions, enhance security, and achieve greater financial control.
‍

## Our recent perspectives

### Treasury Takeaways podcast

Our experts provide industry insights, relevant best practices, and tangible go-forward strategies.

Listen >

### Innovation in Treasury Summit

Hear from CFOs, treasurers, and WF experts on the rapid pace of change in global payments and liquidity and staying ahead of the curve.

Watch videos >

### WF Vantage®

An integrated, intuitive platform to help modernize your banking experience

Sign on >

‍

## Our solutions and capabilities

### Working capital solutions

#### Deposits and investments

As the economy becomes more competitive, and profit margins tighten, treasurers are expected to balance several, sometimes competing, priorities. First among them is maintaining sufficient capital to cover not only daily operational needs, but also strategic investments — all while keeping the costs of generating that capital relatively low.

WF is a trusted partner to treasurers, enabling our clients to scale their business using customized 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 customize, implement and scale the right solution at the right time.

### 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.

### Payables

#### Payment solutions

We develop and implement a tailored payments strategy to 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.

#### 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 enhances working capital, maximizes discount opportunities and streamlines the payables process.

### Fraud prevention

#### 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

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.

### Global money movement

Our significant experience and global reach are evidenced by our network’s presence into over a hundred countries and our substantial transaction volume. One in seven cross-border transactions globally are processed by WF. Payments are processed efficiently and transparently, enabling 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.

### Information reporting & data services

#### Treasury information reporting

Leverage real-time transaction alerts, multibank reporting, and multicurrency reporting to gain a more complete picture of your cash position at any given hour.

#### 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 – link to API Developer portal.

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 Payments & Liquidity resources

### Foreign exchange

Interest Rate Risk Management

Foreign Exchange for Corporates

### Merchant services

Merchant Services Solutions

### API developer portal

WF Gateway®

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.

Swift data, June 2024.

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.

RO-3916817

LRC-1124

You are leaving the WF website.

You are leaving # and entering a website that WF does not control.

WF has provided this link for your convenience, but does not endorse and is not responsible for the products, services, content, links, privacy policy, or security policy of this website.

## Footnote