multicash transfer
Automated payment processing for corporates.
Corporates that handle large volumes of payment files between ERP systems and banks quickly reach the limits of manually controlled processes: error-prone transfers, heterogeneous banking and compliance requirements, and a lack of transparency regarding transaction statuses. multicash transfer is a central, fully automated Payment Factory for corporates with regular payment volumes or complex payment flows. It consolidates all bank connections, regardless of institution, country, or organizational unit, into a central platform. multicash processes payment files generated in ERP and upstream systems automatically and transmits them to financial institutions in real time. Communication takes place securely via EBICS, MCFT, SWIFT, host-to-host connections, or APIs, including encryption, signatures, and full logging. multicash transfer is web-based and accessible from any device.
Payments
Centralized control of complex payment flows.
multicash transfer processes payment files centrally and fully automatically as a Payment Factory – from receipt via the ERP system through to execution at the banks. This enables you to manage high payment volumes and complex transaction structures across all entities of your organization within a single, unified solution. Incoming payment files are automatically recognized, classified, and assigned the correct authorization attributes. Electronic signature concepts are applied flexibly: as automatically generated transport signatures, as imported signature files from third-party systems, or as personal signatures from authorized users. This allows all internal governance requirements to be mapped within the system without interrupting the automated processing flow. For corporates with centralized signature processes, multicash transfer also offers the Corporate Seal procedure. In this case, the agreed bank authorization method is used externally, while internally multiple authorized employees must provide their approvals before a payment is executed.
Cash Management
Central cash & treasury management in real time.
High transaction volumes and complex corporate structures require a consolidated view of all financial movements. multicash transfer aggregates national and international bank accounts into a central platform and provides all accounts, balances, and cash flow information in real time across all banks and organizational units. Account statements and transactions are automatically retrieved from banks and made available in a consolidated form on a single platform, including ledger balances, account statements, transaction overviews, and value-dated balance reports. All relevant liquidity information is accessible at a glance via a configurable dashboard and can be tailored to individual users and roles. The integrated reporting engine automatically generates scheduled reports and CSV exports, providing a solid basis for informed decision-making based on up-to-date and complete data.
Automation
Automation of payment processes.
Automate end-to-end payment processes and reduce manual effort. From payment initiation and approval workflows to final booking, all steps are fully automated. Payment files are received, validated, signed, and transmitted based on defined rules. Errors are detected and logged before they reach the bank. The system operates around the clock, reliably and consistently – even with high transaction volumes and multiple parallel communication channels. In addition, payments can still be entered manually, bundled into payment runs, and submitted collectively to the bank.
Global multi-bank and multi-format capability.
Banks worldwide have different technical requirements. With high transaction volumes and a large number of connected banks, standardized data processing is essential. multicash automatically converts various payment formats into the respective bank-specific standards, ensuring reliable communication with financial institutions worldwide. multicash transfer validates incoming data, extracts relevant information, and translates it into the required message formats. Manual rework is eliminated, and transmission error rates are significantly reduced. For incoming payment files, multicash transfer automatically determines the routing and assigns the appropriate authorization attributes. Comprehensive format validation with detailed error reporting ensures that only valid data is transmitted. A complete message history stores all incoming and outgoing files in their original format and makes them available for export at any time. multicash transfer scales with your business requirements – new banks, countries, and standards can be integrated without changing systems.
Seamless integration with existing corporate systems.
multicash transfer is designed as an integration platform: multicash communicates directly with internal ERP systems via standardized, unattended interfaces. This allows all payment data to be automatically received from the ERP system and account information to be fed back directly. multicash transfer enables end-to-end payment processes (straight-through processing) without media disruptions. This reduces manual intervention, increases processing speed, and minimizes errors – even when handling large data volumes.
Regulatory, security, and compliance standards.
multicash transfer implements strict, multi-layered security mechanisms such as role-based access controls and comprehensive audit logs. Each user is assigned only the access rights, data profiles, and approval permissions appropriate to their role – fully configurable across departments and entities. Authorization classes define who is permitted to sign which payments and up to what amount. Changes to user profiles and system parameters are subject to the four-eyes principle, ensuring that no security-relevant configuration can be made unilaterally. Full traceability is ensured through a central system log and a detailed data change journal that records all modifications to user profiles and payment data in an audit-proof manner. This is complemented by a complete transaction history for both manual and automated payments, as well as a message history of all incoming and outgoing files in their original format.
Expand your multicash landscape flexibly with additional modules.
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Add-ons for multicash.
Customize multicash to your requirements and scale your treasury and payment processes at any time according to your needs.
Format Conversion in UBIQCash enables the automatic analysis and transformation of payment data between different formats and systems. This allows data to be exchanged flexibly between ERP systems and banks, standardizing processes and reducing manual effort.
Foreign Trade is a comprehensive add-on for the centralized management and processing of documentary foreign trade business, including letters of credit, guarantees, and sureties. Foreign Trade offers features such as deadline monitoring, electronic data processing, and open interfaces to ERP systems.
Cash forecasting is based on the consolidation of bank data, planned cash flows, and internal planning data, resulting in a unified forecast across all banks and currencies. This provides companies with a transparent foundation for liquidity planning, decision-making, and the optimization of their cash flows.
Bank Connectivity enables direct integration with numerous banks and service providers worldwide via standardized communication protocols such as EBICS, MCFT, SWIFT, or Host-2-Host. This allows companies to centrally, securely, and seamlessly manage their payment transactions and the exchange of account information across multiple banks within a single platform.
Bank Service Billing enables the automated verification of bank fees based on stored pricing agreements, ensuring transparency and control. Through fully digital processing and support for standardized formats, the entire billing process is handled efficiently and without manual effort.
In-house banking enables the centralized management and processing of intra-group payment flows via an internal "bank" within the company. This allows liquidity to be pooled, internal settlements to be automated, and external bank transactions to be reduced, significantly increasing transparency and efficiency.
Exposure & Risk Management (ERM) enables the comprehensive management and evaluation of foreign exchange and financial transactions, which can be entered manually or automatically imported via an interface from 360T. A central overview evaluates all transactions based on the current daily rate. This allows the treasurer to see at a glance whether entering into a forward transaction has been beneficial from today’s perspective. For option transactions, this valuation mechanism automatically generates a recommended course of action.
What our customers say.
100,000+ corporates from various industries rely on multicash to make their digital payment processes efficient and future-proof.
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Senior Account Executive Corporate
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+49 221 5956990