Treasury Services

Every Moment Matters

With market-leading global payments, liquidity and trade services, we can help speed your conversion to digital payments, no matter where you are in your digital journey. By supporting payment needs across the spectrum, we help you optimize liquidity and cash management, manage risk and grow in a rapidly evolving landscape.

VALUE AT EVERY INTERACTION

From reporting to data translation to authentication, our treasury services offering supports seamless, real-time transactions to help optimize every interaction, improve working capital efficiency and drive growth.

MAKE LIQUIDITY WORK HARDER

We monitor and manage cash positions across providers, geographies and currencies to help improve the accessibility of liquidity across the globe.

MORE PARTNERS, MORE OPTIONS

We partner with technology firms, industry organizations, fintechs and our clients, creating a trustworthy ecosystem that enhances our capabilities and helps enable you to deliver payment capabilities directly to your clients.


Featured Products

stock image

Capabilities

At BNY Mellon, we process an average of more than USD $1 trillion daily via CHIPS, Fedwire and international ACH. With branches in London, Frankfurt and Hong Kong, and a correspondent banking network of more than 1,600 global banks, we provide payments in the local currencies of 160 countries. Transactions may be initiated via SWIFT or draft or through one of our proprietary portals. Our payment solutions incorporate SWIFT gpi to provide increased transparency, speed and traceability.

BNY Mellon helps clients meet their daily cash needs by consolidating and tracking deposits from multiple accounting units while using only one depository account. Help achieve excellent funds availability at competitive prices, leveraging our extensive network of correspondent banks and strategic high-speed check processing. Clients can also help accelerate the conversion of payments received outside of the normal payment process using our remote deposit service.

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.

BNY Mellon supports our healthcare clients in their efforts to maximize financial strength by helping to improve operating margins, cash flow and decision-making through the use of integrated data analytics, payments and efficiencies. We offer a full suite of working capital management solutions with flexible, integrated, value-added options that are customized to help manage the revenue cycle, gain efficiencies and reduce costs. These solutions help allow clients to:

  • Consult and work with the payer community 
  • Determine eligibility 
  • Generate accurate primary and secondary claims
  • Automate the receivables and adjustment process 
  • Capture and post patient and non-patient payments 
  • Manage the credit balance and refund process 
  • Process disbursements and invest working capital

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

 

LiquidityDirectSM

 

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 a wide range of money market funds, individual money market securities and the ability to manage margin balances.

BNY Mellon’s innovative domestic and global payment solutions help organizations’ customers, vendors and employees maximize processes around their incoming and outgoing payments; reduce unnecessary processing costs; maximize investment returns; reduce fraud risks; and speed payment delivery and transparency.

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.


Expert Points of View