SAP Pay powered by Tereina

Reduce payment costs and drive payment automation with embedded, agentic B2B payments across traditional and digital currency rails.
SAP Pay payment automation workflow inside SAP S/4HANA showing multi-rail payment execution across traditional and digital currency rails.

What is SAP Pay?

SAP Pay is the out-of-the-box payments solution embedded in SAP Cloud ERP. It gives you a built-in way to send and receive payments globally without having to open a separate project.

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Access every payment rail—traditional and digital—through a single connection, with payment automation, reconciliation, and a unified know-your-customer process that:

  • Supports ACH, EFT, wire, check, and stablecoin payments like USD Coin (USDC).

  • Auto-reconciles every payment to its originating purchase order (PO) or invoice.

  • Covers 89 global corridors—no per-country bank setup required.

  • Autonomously initiates and executes payments using AI agents.

 

Try it now
See SAP Pay in action at AFP 2026

Join us at the Association for Financial Professionals 2026 conference, November 8–11 in Las Vegas, to see SAP Pay in action. We'll be at booth 216.

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Key benefits

Zero friction, zero integration

Enable payments inside your existing SAP workflow—no integration project, no bank testing, no file uploads. SAP Pay is embedded and ready from Day One.

Cut total payment costs

Consolidate multiple payment providers into one platform. Reduce total cost of ownership with a business case tailored to your landscape.

Stay in full control of every payment

Nothing moves without your approval. Payments run through your existing SAP workflow—timing, currency, and method stay entirely in your hands.

Key features

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Multi-rail payment support—your payment, your option

SAP Pay supports fiat and digital currencies and many payment types. This includes real-time payments, alongside USDC stablecoin payments with native integration to Circle, and an intelligent routing to the optimal rail for each transaction across 40+ currencies—all from a single platform.

Natively embedded in SAP S/4HANA

SAP Pay ships as an out-of-the-box capability inside SAP Cloud ERP, with secure bank communication handled via SAP Multi-Bank Connectivity. There’s no implementation project, no new vendor contract, and no custom code—customers activate it inside existing SAP workflow and it runs.

Agentic payment execution

SAP Pay embeds payment execution into SAP now, the foundational step toward agentic payments. The AI agents that already support your finance team through Joule will soon trigger and execute payments, too, closing decision to execution in one flow.

Pricing

SAP Pay

Subscription based on number of transactions.

The Cloud Service may only be used to process Transactions by Customer or its Affiliates that are domiciled in the United States or European Union, unless otherwise provided in the Documentation.

Data Center:

US East

Frankfurt

Price upon request:

Pricing structure and contract duration details are available on request.

Price upon request
  • In blocks of 1200 Transactions per year
  • Contract duration 1 to 3 years
  • Auto-renewal
    • See all pricing details
Terms and conditions

Subscription based on number of transactions.

The Cloud Service may only be used to process Transactions by Customer or its Affiliates that are domiciled in the United States or European Union, unless otherwise provided in the Documentation.

Data Center:

US East

Frankfurt

Price upon request:

Pricing structure and contract duration details are available on request.

Cloud test, demo, and development for SAP Pay

Included:

This is a non-productive and non-commercial tenant for test, demo, and development purposes only (check out Use Rights).

This edition is exclusively available for partners.

Payment method:

Invoice is supported for all countries.

Click on the “Configure to see price” button to find out if credit card is supported in your country.

  • In blocks of 1200 Transactions per year
  • Minimum contract 3 months
  • Auto-renewal
    • See all pricing details
Terms and conditions

Included:

This is a non-productive and non-commercial tenant for test, demo, and development purposes only (check out Use Rights).

This edition is exclusively available for partners.

Payment method:

Invoice is supported for all countries.

Click on the “Configure to see price” button to find out if credit card is supported in your country.

Calculate your savings potential with SAP Pay

Tell us a bit about your setup, and we’ll model your specific payment mix, volumes, and corridors—no commitment.

Learn more

Resources

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Stablecoin payment demo of SAP Pay

See how SAP Pay is used for the end-to-end payment of an open supplier invoice.

Watch the video 
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SAP's partnership with Circle

Discover how to drive USDC payments with SAP Pay through your pre-integrated Circle Mint account.

Learn more 
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Building the future of finance

Learn how stablecoins, tokenized deposits, and real-world assets enable real-time treasury.

Read the blog post 

Technical and security resources

SAP Help Portal

Visit SAP Help Portal to find detailed documentation, guides, and articles to help you implement, configure, and optimize SAP products.

Get started

Jump-start your implementation and drive ROI by collaborating with industry experts, consultants, and support engineers throughout your journey.

Services

Transform your business quickly and effectively by taking advantage of our holistic service and support plans, expert consulting services, custom application development, proven best practices, and deep industry and technical knowledge.

Explore our services 

Support

Help keep your SAP solutions running at peak performance with our IT experts and support services, including long-term plans, embedded teams, remote technology support, self-service portal, and innovation strategies.

Visit the support portal 

Additional solutions

Explore additional offerings related to SAP Pay.

SAP S/4HANA Cloud for treasury and risk management

Automate treasury tasks and integrate them with core finance processes to enhance liquidity and mitigate financial risks.

Explore the product
SAP Taulia Working Capital Management

Grow free cash flow, boost profitability, and strengthen your supply chain.

Explore the product
SAP Multi-Bank Connectivity

Establish your corporate-to-bank relationship with a secure business network.

Explore the product

Frequently asked questions

SAP Pay is the out-of-the-box B2B payments solution embedded in SAP Cloud ERP and provided by Tereina, an SAP entity dedicated to providing payment services, with OFAC and KYC/AML screening applied to every transaction. This gives SAP Cloud ERP customers a built-in way to automate payment execution across traditional and digital currency rails, with no separate implementation project, bank testing, or manual file uploads. Because SAP Pay runs natively inside the ERP environment, finance teams can initiate and manage payments without leaving their existing SAP workflow.

Agentic payments are transactions initiated and executed autonomously by AI agents, without manual intervention. SAP Pay is the foundational layer that makes this possible inside SAP. The AI agents supporting your business through Joule will soon be able to trigger and execute payments as part of a fully automated decision-to-execution flow—closing the loop between ERP-level decisions and actual payment execution at scale.

SAP Pay eliminates manual steps like file uploads, bank portal logins, and reconciliation tasks. Finance teams can automate the full B2B payment cycle—from invoice approval through to payment execution—without leaving their ERP environment. Intelligent routing selects the optimal payment rail for each transaction, reducing both cost and processing time.

Yes, SAP Pay supports cross-border payments across 89 global corridors, covering 40+ currencies through standard fiat rails and digital currency options including USDC stablecoins. No per-country bank setup is required—a single connection handles international payment execution for all supported corridors.

Payment orchestration is the layer that routes each payment to the right rail, manages the underlying bank and provider connections, and returns execution status to the system that initiated it. SAP Pay delivers it natively inside SAP Cloud ERP: Payments initiated in the ERP are routed across fiat and digital currency rails, executed through the appropriate connection, and tracked back to the originating document.

SAP Pay improves accounts payable automation by embedding payment automation in the SAP accounts payable workflow. Once an invoice is approved inside the ERP, SAP Pay initiates the payment automatically—eliminating manual handoffs, external portals, and file transfers, while keeping finance teams in full control of timing, currency, and payment method.

SAP Pay auto-reconciles every payment to its originating PO or invoice at the point of execution using the standard ERP reconciliation functionalities. Because payment execution happens natively inside SAP Cloud ERP, and SAP Pay manages the required reference data for payments and bank statements, reconciliation data flows directly into the ERP.

No, SAP Pay is using SAP Multi-Bank Connectivity for secure bank communication. SAP Pay provides customers another option to facilitate payments in addition to connecting to banks and payment service providers directly via SAP Multi-Bank Connectivity.

 

SAP Pay is provided by Tereina, an SAP-owned entity. Visit www.tereina.com to learn more.