All your bank, ERP and PSP connectivity in one integration layer

Financial connectivity is the ability to exchange data automatically between your banks, your ERP, and your payment platforms. Without it, treasury teams depend on individual banking portals, manual statement downloads, and re-keying data between systems.

Embat centralises all these connections into a single gateway: balances, transactions, and bank statements arrive in real time, and reconciled journal entries flow back to your general ledger without manual intervention. The result is a reliable cash position updated to the minute, not to the following day.

Embat connects to 15,000+ financial institutions worldwide through open banking APIs, corporate APIs, and file-based protocols such as EBICS, SWIFT, and host-to-host. This includes both tier-1 institutions and regional banks.

The platform supports simultaneous connections across different channels, so if one bank offers API access and another only supports file-based transmission, both coexist in the same workflow without duplicating processes. Ask us in your demo which banks we connect to in your market.

Embat offers bidirectional integration with all major ERP systems: SAP (S/4HANA, ECC, Business One), Oracle NetSuite, Microsoft Dynamics 365 (Business Central, Finance & Operations), Sage, DATEV, and 20+ additional systems. Accounts payable, accounts receivable, and invoice data flow from your ERP into Embat. Journal entries, payment statuses, and reconciliation results are sent back automatically.

Synchronisation runs in near real time – event-driven, not overnight batch – so your ledger reflects financial reality throughout the day.

Not every bank offers API access, particularly in certain regions or for specific product types. Embat handles this through its hybrid connectivity model: the platform supports file-based channels (EBICS, SWIFT, host-to-host via SFTP, and regional protocols) alongside API connections. You can run API for some banks and file-based for others within the same platform, without duplicating workflows.

This eliminates the partial adoption problem where teams maintain both a system and manual spreadsheets because coverage is incomplete.

Yes. Embat connects directly to payment service providers such as Stripe, Adyen, and PayPal, as well as expense management platforms like Payhawk and Pleo. These connections pull transaction-level data into Embat for reconciliation and accounting, breaking down aggregated daily settlements into individual movements that can be matched against your ERP records.

This eliminates the manual effort of cross-referencing PSP reports with bank statements and journal entries. Ask us in your demo which platforms we connect to.

A bank portal only shows one bank, and a direct ERP connection usually covers one system through one channel. Treasury teams that rely on them end up logging into multiple portals, downloading statements by hand, and re-keying data between tools.

Embat replaces that with a single gateway: every bank, ERP, payment processor, and expense platform connects through one secure layer, with bidirectional, real-time synchronisation and file-based support where APIs are not available. You get one reconciled cash position and automated journal entries, instead of fragmented logins and manual exports.

Security is built into the platform. Embat holds ISO 27001 certification (issued by AENOR) and connects to your banks through certified channels - EBICS, SWIFT, and host-to-host - so data moves over secure, audited connections instead of manual transfers.

Access is managed at user level, with approval and signing flows for every payment and a complete audit trail of who did what and when. Your finance team keeps full control and visibility across all connected banks, ERPs, and platforms from a single, permission-based environment.

Time to go live depends on how many banks, ERPs, and platforms you connect and which channels each one uses. API-based connections are usually the quickest to activate, while file-based setups (EBICS, SWIFT, host-to-host) require coordination with each bank and take a little longer.

A dedicated implementation team maps your systems, configures every connection, and validates that balances, transactions, and reconciled journal entries flow correctly before go-live - so you begin from a reliable position rather than a blank setup.