Payment Solutions for Retail Chains
Streamline payments across all retail locations with centralized treasury management, automated supplier payments, omnichannel refunds, and real-time visibility. Built for multi-store operations across EU, US, Australia, NZ, and Pacific markets.
What you get
Multi-location treasury
Centralized cash management across stores with inter-location transfers and automated sweeps.
Benefit: optimized working capital, reduced idle cash.
Supplier payment automation
Bulk supplier payments with smart routing, payment terms tracking, and early payment discounts.
Benefit: better supplier relationships, improved cash flow.
Omnichannel refunds
Instant refunds to cards, bank accounts, or store credit across online and in-store channels.
Benefit: improved customer satisfaction, reduced manual work.
Multi-region payroll
Payroll processing across locations with local compliance, tax withholding, and instant payment options.
Benefit: on-time payments, regulatory compliance.
How it works
Connect
Integrate all store locations, bank accounts, POS systems, and ERP
Consolidate
Centralized treasury view: real-time balances, cash positions, and payment obligations across locations
Automate
Execute payments: supplier invoices, payroll, refunds, inter-store transfers with smart routing and compliance checks
Report
Real-time dashboards: payment status, cash flow forecasts, and reconciliation across all locations
Multi-Store Treasury Management#
Gain real-time visibility and control over cash positions across all retail locations. Automated treasury operations reduce idle cash, optimize working capital, and ensure every store has the liquidity it needs.
Centralized Cash Visibility
Real-time balances across all stores, regions, and bank accounts in a unified dashboard.
Automated Sweeps
Configure automated transfers to concentration accounts based on threshold rules and forecasts.
Inter-Store Transfers
Move funds between locations instantly with full audit trails and approval workflows.
Fraud Prevention
Multi-level approval limits, velocity checks, and anomaly detection across all locations.
What you can configure
Store hierarchy
regions, districts, locations; payment approval workflows and limits per level
Payment policies
supplier payment terms, early payment discounts, payroll schedules, refund SLAs
Treasury rules
automated sweeps, inter-store transfers, concentration accounts, minimum balance thresholds
Compliance settings
regional tax rules, payroll withholding, VAT/GST reporting, audit trails
Real-Time Omnichannel Reporting#
Unified reporting across in-store, online, and mobile channels. Track payment performance, reconciliation status, and cash flow forecasts with drill-down visibility by location, region, or payment type.
Payment status updates across all channels
Auto-reconciliation match rate
Consolidated reporting across all locations
Regional Payment Capabilities
European Union
SEPA-native infrastructure with PSD2 compliance, instant SEPA Instant Credit Transfers (SCT Inst), and localized VAT handling across all EU member states.
Payment Rails
SEPA, SEPA Instant, Target2, local card schemes
Compliance
PSD2, GDPR, VAT MOSS, country-specific tax rules
Supported Markets
All 27 EU member states + EEA countries
Settlement Speed
Instant (SCT Inst) or standard SEPA (1-2 days)
United States
ACH, RTP (Real-Time Payments), and FedNow support with automated state-level sales tax calculation, multi-state payroll compliance, and same-day settlement options.
Payment Rails
ACH, RTP, FedNow, Zelle, wire transfers
Compliance
NACHA rules, state sales tax, multi-state payroll
Coverage
All 50 states + territories
Settlement Speed
Instant (RTP/FedNow), Same-day ACH, or standard ACH
Australia & New Zealand
NPP (New Payments Platform) for instant payments in Australia, BECS for bulk processing, and NZ domestic rails with automated GST compliance and real-time settlement.
Payment Rails
NPP/PayID (AU), BECS (AU), NZ domestic transfers
Compliance
GST automation, ATO/IRD reporting, payroll tax
Coverage
Australia and New Zealand nationwide
Settlement Speed
Instant (NPP) or batch processing (BECS)
Pacific Islands
Local payment rails and correspondent banking relationships across Pacific nations including Fiji, PNG, Samoa, Tonga, Vanuatu, and Solomon Islands with multi-currency support.
Payment Rails
Local ACH systems, SWIFT, correspondent banking
Compliance
Local regulatory requirements, AML/CFT standards
Markets
Fiji, PNG, Samoa, Tonga, Vanuatu, Solomon Islands
Currencies
FJD, PGK, WST, TOP, VUV, SBD + major currencies
Integrations & Systems
Retail Systems: POS (Square, Shopify POS, Lightspeed, Clover), ERPs (SAP, NetSuite, Oracle, Microsoft Dynamics), inventory management
Banking: All major banks in target regions, treasury management systems, multi-bank aggregation
Events: payment_initiated, payment_settled, refund_processed, reconciliation_complete, treasury_sweep_executed
Outcomes
Built for Retail Teams
Try it yourself
Connect sample stores, execute multi-location treasury sweeps, process supplier payments, and see real-time reporting across all locations.
Upload batch
Test with your sample data
Call APIs
3-step integration demo
Get receipts
Finality + reconciliation
Common Questions
Explore more
Trust & Security
Streamline payments across all retail locations
See real-time treasury visibility, automated supplier payments, and omnichannel reporting in action.