The Challenge
Payment Processes Are Risky and Fragmented
Disconnected systems, manual processes, and limited visibility create risk, fraud exposure, and missed opportunities
Payment data scattered across multiple systems
Fraud, duplicate, and unauthorized payments
Limited visibility into cash and settlements
Incomplete vendor and account verification
Missing procurement and contract context
Delayed exceptions and reconciliation
The Solution
Harmonate Brings It All Together
Harmonate Payment Intelligence unifies payment data, verifies every transaction, prevents fraud, and delivers the intelligence treasury teams need to protect cash and optimize working capital
Monitor & Reconcile
Real-time settlement and
payments monitoring
Verify All Payments
Validate recipients and
account ownership
Actionable Insights
Data driven intelligence
for better decisions
Prevent Fraud
Detect risks and stop
fraud before it happens
Procurement Intelligence
Ensure payments align with
obligations & contracts
The Challenge
Payment Processes Are Risky and Fragmented
Disconnected systems, manual processes, and limited visibility create risk, fraud exposure, and missed opportunities
Payment data scattered across multiple systems
Fraud, duplicate, and unauthorized payments
Limited visibility into cash and settlements
Incomplete vendor and account verification
Missing procurement and contract context
Delayed exceptions and reconciliation
Automated
Reduce manual work and
eliminate spreadsheets
Transparent
Full visibility across cash
accounts and systems
Audit-Ready
Complete documentation
and approval history
Controlled
Structured workflows
and financial controls
Prevent Fraud
Detect risks and stop fraud before it happens
Audit-Ready
Complete documentation
and approval history
Automated
Reduce manual work and
eliminate spreadsheets
Transparent
Full visibility across cash
accounts and systems
Verify All Payments
Validate recipients and account ownership
Monitor & Reconcile
Real-time settlement and payments monitoring
Actionable Insights
Data driven intelligence for better decisions
Harmonate Payment Intelligence unifies payment data, verifies every transaction, prevents fraud, and delivers the intelligence treasury teams need to protect cash and optimize working capital
Harmonate Brings It All Together
The Solution
Procurement Intelligence
Ensure payments align with obligations & contracts
Core Capabilities
Comprehensive Capabilities for Smarter Treasury Operations
Real-time cash positions, balances, and liquidity across all accounts
Treasury Visibility
Validate recipients, accounts, and payment instructions before release
Payment Verification
AI-powered fraud detection and suspicious activity monitoring
Fraud Detection
Secure ACH and wire payments with validation and controls
ACH & Wire Controls
Detect and prevent duplicate and overlapping payments
Duplicate Prevention
Analyze fees, volume, settlements, and processor performance
Processor Analytics
Exception Management
Identify, track, and resolve payment exceptions efficiently
Analyze and optimize payment and processor fees
Fee Optimization
Verify vendors, banking changes, and beneficiary ownership
Vendor Verification
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Enforce approval hierarchies and authorization workflows
Payment Governance
Monitor accounts and cash positions in real time
Bank Account Visibility
Comprehensive reporting, audit trails, and treasury controls
Reporting & Controls
Core Capabilities
Comprehensive Capabilities for Smarter Treasury Operations
Automated Transaction Matching
Match transactions across banks, processors, and financial systems with minimal manual effort
Exception
Management
Identify breaks immediately and route them through structured workflows
Bank & Processor Reconciliation
Reconcile activity across all cash sources from a centralized plaftorm
Cash Position
Visibility
Monitor balances, outstanding items, and risk exposure in real time
Variance
Resolution
Investigate and resolve discrepancies before they impact reporting
Banks
Payment Processors
Financial Systems
Payment Processors
Payment Processors
Automated Transaction Matching
Match transactions across banks, processors, and financial systems with minimal manual effort
Exception
Management
Identify breaks immediately and route them through structured workflows
Bank & Processor Reconciliation
Reconcile activity across all cash sources from a centralized plaftorm
Cash Position
Visibility
Monitor balances, outstanding items, and risk exposure in real time
Variance
Resolution
Investigate and resolve discrepancies before they impact reporting
Financial Systems
Exception Management
Identify, track, and resolve payment exceptions efficiently
Exception
Management
Identify breaks immediately and route them through structured workflows
Bank & Processor Reconciliation
Reconcile activity across all cash sources from a centralized plaftorm
Cash Position
Visibility
Monitor balances, outstanding items, and risk exposure in real time
Variance
Resolution
Investigate and resolve discrepancies before they impact reporting
Fee Optimization
Analyze and optimize payment and processor fees
Vendor Verification
Verify vendors, banking changes, and beneficiary ownership
Payment Governance
Enforce approval hierarchies and authorization workflows
Bank Account Visibility
Monitor accounts and cash positions in real time
Reporting & Controls
Comprehensive reporting, audit trails, and treasury controls
Processor Analytics
Analyze fees, volume, settlements, and processor performance
Duplicate Prevention
Detect and prevent duplicate and overlapping payments
ACH & Wire Controls
Secure ACH and wire payments with validation and controls
Fraud Detection
AI-powered fraud detection and suspicious activity monitoring
Payment Verification
Validate recipients, accounts, and payment instructions before release
Treasury Visibility
Real-time cash positions, balances, and liquidity across all accounts
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Cash Reconciliation
Account Reconciliation
Merchant
Data Hub
Payment Intelligence
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Cash Reconciliation
Account Reconciliation
Merchant
Data Hub
Payment Intelligence
