Treasury Services

Leaders in Payments, Trade Finance and Liquidity 

Leaders in Payments, Trade Finance and Liquidity 

At BNY Mellon Treasury Services, we don’t wait for the future to happen: we make it happen. Our business is defined not by innovation, but by reinvention. Across all three of our areas of specialization, we’ve established ourselves as industry leaders, improving existing products, integrating state-of-the-art technologies and introducing market-changing new capabilities.


In 2021, our business was recognized by The Banker as the Best Transaction Bank in Payments. BNY Mellon was also named Best Trade Finance Provider, North America by Global Finance in 2022.


By 2017, US financial markets had not seen a new payments infrastructure introduced in more than four decades. That year, RTP® was launched, with BNY Mellon the first bank to originate a Real-Time Payment. Since then, we’ve been delivering instant payment and e-invoicing for institutions, as well as 24/7 bill pay and an unparalleled level of security. We continue to be leaders in this field to this day.


We are applying digital technologies such as blockchain to revolutionize the financing of international trade, connecting suppliers and receivers and keeping products moving around the globe. 


We are transforming how clients manage their liquidity, making the treasury function more efficient by developing new ways to assist you in your efforts to keep cash balances working for you, with new tools such as cross-currency sweeps.

Featured Products

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Help improve funds management, expand information access and control and increase visibility into transactions through our disbursement solutions. BNY Mellon offers our clients timely notification of checks that will be charged to controlled disbursement accounts, as well as quick access to important check information via digitized images. Detailed pre-balance check data help our clients reduce account reconcilement time. Finally, fraud prevention tools help enable our clients to identify potentially fraudulent checks before they are paid.

Our clients require services that are available in real-time, 24/7/365, in order to meet the needs of both their own organization as well as their customers. To provide faster, more transparent and more cost-effective ways of executing payments, we offer Immediate Payments solutions, including BNY Mellon Real-Time Payments and BNY Mellon Tokenized Payments® with Zelle®. These solutions help our clients digitize existing payments operations while providing complementary origination and reporting options to many of the existing legacy payment methods that exist today, such as Check, Wire and ACH. Our clients can access these solutions through a single source and via a range of input methods: front-end platforms; web and mobile applications; file services; and application programming interfaces (APIs).

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Excess operating cash that sits idle is not meeting organizations’ needs. We assist our clients in understanding the services that may be available to help them, depending on where they do business and their individual liquidity needs. To help maximize the investment value of idle funds, we offer liquid investment vehicles through passive sweep services that let our clients begin earning interest immediately while funds remain liquid. These include:

  • Repurchase agreements
  • Money market mutual funds
  • Overnight Eurodollar time deposits
  • Late-night investment service




Having up-to-date and easy-to-access data is critical to managing liquidity effectively. BNY Mellon’s LiquidityDirectSM, our multicurrency cash management portal, helps our clients on this front in several ways. It helps permit organizations to streamline the liquidity management process via payment trend data to meet payment needs. Clients can also view real-time and historical intraday cash and liquidity information across multiple accounts. Finally, they can gain real-time access to intraday and previous day account information to help determine their cash position and reconcile accounts. The system provides access to a wide range of money market funds and other short-term investment options, individual money market securities, the ability to manage margin balances and access to ESG ratings of eligible investment options through BNY Mellon’s ESG Data Analytics App.

Capture and access important business information in real time with efficient, centralized collection points for cash. Drawing on more than 50 years of receivables processing experience, BNY Mellon provides deposit, electronic banking and lockbox services.

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