Global Treasury Management

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.

Wells Fargo 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.

Wells Fargo 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. Wells Fargo is your partner to customize, implement and scale the right solution at the right time.

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.

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.

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.

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 Wells Fargo.  Payments are processed efficiently and transparently, enabling predictable experiences to your clients and counterparties. 

Wells Fargo 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.

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^SM, an integrated, intuitive, and user-centric experience that can scale as your organization evolves and grows.