Treasury and working capital management

Help secure cash flow, manage liquidity, mitigate financial risks, and optimize working capital with intelligent solutions.

Optimize treasury, reduce financial risks, and unlock liquidity

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Help reduce treasury and working capital management costs

Build financial resilience and drive scalable growth with integrated tools to manage treasury, financial risk, and working capital processes across your organization.

Mitigate financial and operational risk

Reduce financial risk and enable compliance with data-driven decisions, on-the-fly analytics, and deep drill-downs.

Increase operational efficiency and effectiveness

Use comprehensive automation capabilities and gain control with straight-through processing and intelligent applications.

Protect your investment

Gain agility, scalability, and extensibility across the treasury ecosystem with future-proof solutions.

Explore treasury and working capital management capabilities

Mitigate risk, manage payments, and unlock liquidity in your operational processes to grow your business.

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Optimize accounts receivable

Manage open receivables, efficiently collect cash, and resolve disputes faster. Control customer credit risk and reduce bad debt.

 

Improve accounts payable management

Make automated vendor payments with greater control of cash outflows.

 

Increase financial health and transparency

Monitor receivables with intuitive analytics, mitigate future disputes, and pinpoint root causes quickly and proactively.

 

Increased efficiency

Elevate financial operations with AI-enhanced processes that seamlessly handle inquiries—so you can focus on strategic growth.

 

Improve payment operations

Reduce manual effort and automate payment operations with machine learning and intelligent processing rules.

 

Explore financial operations
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Process credit card and digital wallet payments

Centrally manage and process credit card or digital wallet transactions by flexibly connecting payment service providers.

 

Analyze payment processing and status in real time

Manage processing and status for all digital payment transactions integrated with SAP S/4HANA Cloud out of a single dashboard.

 

Help process payments securely

Safeguard critical payment data using a secure, trusted, and scalable SAP-managed cloud service.

 

Explore digital payments
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Process payments with full transparency and control

Maintain transparent control by centrally streamlining, approving, and monitoring all payments.

 

Set up and manage an in-house bank

Reduce costs, optimize cash operations, and strengthen financial control with an in-house bank for smarter payment management.

 

Enable payment compliance

Manage compliance with regulations and standardization using central payment validation and verification.

 

Explore payment management
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Streamline banking service integration

Speed up banking service integration using a standardized, flexible, and scalable SAP-managed banking service network.

 

Automate banking transaction processing

Automate payments, bank messages, and bank statement processing with a cloud-based, SAP-managed bank communication network.

 

Add flexibility to banking operations

Scale up as transaction volumes grow and business expands while offering flexibility across multiple banks and countries.

 

Explore bank connectivity
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Manage bank accounts effectively

Improve visibility and help reduce costs and fees with a centralized approach to bank account management.

 

Real-time cash visibility and forecasts

Gain a comprehensive view of cash positions with enhanced forecasting and intelligent predictions.

 

Optimize liquidity with smart trading solutions

Manage cash and liquidity with intelligent rules directly integrated with real-time cash data.

 

Reduce effort with automated bank reconciliation

Automate reconciliation of bank statements. Reduce manual effort and errors with AI and smart rules.

 

Explore cash and liquidity management
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Monitor risk positions

Develop compliant hedge accounting strategies by monitoring price changes and currency conversion rates.

 

Manage debt and investments

Optimize capital structure, make informed decisions to maximize returns, and safeguard the stability of your organization.

 

Mitigate financial risk

Reduce financial risks by enabling a system that manages counterparty credit and system risks.

 

Explore treasury management
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Help reduce costs

Enhance cash flow and solidify supplier relationships by setting up early payment programs with SAP Taulia Dynamic Discounting.

 

Optimize cash flow

Strengthen supplier ties and optimize working capital with SAP Taulia Supply Chain Finance.

 

Improve cash position

Improve cash flow with automated receivables financing using the integrated SAP Taulia platform.

 

Enhance payment security and cost control

Gain cash-flow flexibility, fraud protection, and payment control with SAP Taulia Virtual Cards.

 

Explore working capital management solutions from SAP Taulia

See how customers are succeeding with SAP

Introducing a payment factory to in-house banking

Explore how e-commerce and service provider Otto Group standardized and simplifed transactions to diversify its treasury.

Read the customer story 

See what analysts are saying about SAP

SAP named a Leader for Financial Planning Software

Explore why Gartner® named SAP as a Leader in its 2025 Magic Quadrant™ report for Financial Planning Software.

Read the report
SAP named a Leader in AI-Enabled Enterprise Treasury and Risk Management Applications

Discover why SAP is named a Leader in its IDC MarketScape: Worldwide AI-Enabled Enterprise Treasury and Risk Management Applications 2025–2026 Vendor Assessment.

Read the excerpt
SAP named a Leader for Cloud ERP Finance

Explore why Gartner® named SAP as a Leader in its 2025 Magic Quadrant™ report for Cloud ERP Finance.

Read the report

Featured resources

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SOLUTION DEMO

Reimagine working capital management with AI

Discover how SAP Business AI for Finance delivers cutting-edge solutions to streamline operations, providing real-time insights and automated processes that enable more intelligent decision-making and efficient cash management.

Watch the video 
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REPORT

The future of treasury and working capital

Learn how to build a digital foundation for a forward-looking treasury using SAP cloud solutions and AI that enhance strategic roles, manage risks, and ensure liquidity.

Read the EY report 
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REPORT

Journeys to Treasury

Explore the emerging trends, challenges, and priorities that some of the world's leading treasurers believe will shape their best practices in 2025–2026 and beyond. This 10th anniversary edition is a collaboration between SAP, BNP Paribas, PwC, and the European Association of Corporate Treasurers (EACT).

Read the 2025–2026 report 
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E-BOOK

CFO perspectives on unlocking insights through conversation

Discover new ways to quickly integrate innovative concepts, insights, and best practices into your business. In this e-book series for finance executives, you'll access the latest thought leadership created in partnership with Taulia.

Discover the e-books 

Frequently asked questions

Treasury and working capital management software from SAP is a software solution that is designed to help organizations manage their treasury and working capital more effectively and efficiently. Here are some of the software’s key features and functionalities:

  • Cash management

  • Financial risk, debt, and investment management

  • Payments and bank communication

  • Receivables and payables management

  • SAP Taulia Dynamic Discounting, Taulia Supply Chain Finance, Taulia Receivables, and Taulia Virtual Cards

By using treasury and working capital management software from SAP, organizations can improve their financial performance, reduce risks, enhance operational efficiency, and gain real-time insights into their financial health.

Treasury and working capital management software from SAP helps improve cash visibility and liquidity through several key features and functionalities, such as:

  1. Real-time cash positioning and instance cash balances
  2. Short-term, medium-term, and long-term cash forecasting
  3. Liquidity planning
  4. Bank connectivity and statement reconciliation
  5. Cash AI agent as a digital assistant 

By leveraging these features, the solution enables organizations to enhance cash visibility, optimize liquidity, reduce borrowing costs, and make informed decisions on cash management and investment strategies.

SAP Working Capital Management (WCM) improves visibility into receivables and payables through a range of features and functionalities designed to provide organizations with real-time insights into their financial position, such as:

  • Accounts receivables and payables aging analysis

  • Real-time receivables and payables monitoring

  • Customer credit risk and supplier risk assessment

  • Supplier invoice matching and approval

  • Payment planning, scheduling, and forecasting

  • Dispute and collection management, DSO and DPO KPIs

SAP WCM helps organizations gain real-time visibility into their receivables and payables, optimize cash flow, reduce financial risks, and improve overall financial performance.

 

Gartner, Magic Quadrant for Financial Planning Software, Regina Crowder, Sid Sahoo, Mike Lashinsky, 1 December 2025.

Gartner, Magic Quadrant for Cloud ERP Finance, Mike Helsel, Irmina Melarkode, Nick Duffy, Nisha Bhandare, 27 October 2025.

 

Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

 

GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally, and MAGIC QUADRANT is a registered trademark of Gartner, Inc. and/or its affiliates and are used herein with permission. All rights reserved.

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