Centralise, streamline, and strengthen customer and supplier management
Access real-time data on every customer and supplier. Monitor credit risk, track DSO and DPO automatically from actual paid invoices, and optimise payment terms. TellMe monitors counterparty behaviour continuously and flags risks before they materialise.
Counterparty management from ERP sync to payment execution
Centralised client and supplier profiles, synced with your ERP
Centralised profiles for all clients, suppliers, and dual-role entities. Fields sourced from the ERP are read-only to prevent data conflicts; additional data like tags, comments, and secondary bank accounts are managed directly in Embat.
DSO, DPO, and aging calculated automatically from actual paid invoices
Automatic DSO and DPO calculation based on actual paid invoice data, not contractual terms. Aging buckets (0–30, 31–60, 61–90, 90+ days) update in real-time, with deviation analysis flagging deterioration before it escalates.
Consolidated and validated supplier payment details
Multiple bank accounts per supplier, each labelled and managed independently. IBAN and BIC pre-validation catches errors before payment generation. Full audit trail on every change.
AI-driven insights for liquidity planning and forecasting
TellMe analyses counterparty payment patterns and enriches your cash flow forecasts automatically. When a client's actual payment behaviour deviates from forecast assumptions, TellMe flags the gap and suggests adjustments.
Bank details auto-populated at payment execution
Bank details auto-populate when executing a payment. For international beneficiaries, Embat validates SWIFT, BIC, country, and address fields, flagging missing data and storing it for future reuse.
Full counterparty control from onboarding to collections
Early detection of payment delays
Real-time deviation alerts flag deteriorating counterparties before overdue balances escalate. Finance teams using Embat reduce overdue receivables by 22% on average.
Supplier payment fraud prevention
Pre-validated IBANs, read-only ERP fields, and full audit trails on every change. Enterprise-grade payment data governance replaces uncontrolled spreadsheets.
Data-driven credit decisions
Actual DSO, DPO, and charge period data gives your team the evidence to renegotiate terms or escalate with confidence. Decisions grounded in real payment behaviour.
Audit-ready counterparty records
Every counterparty interaction, balance change, and bank account modification logged with timestamps and user attribution. Compliance teams get the documentation they need without manual preparation.
The measurable impact of intelligent counterparty management
Strategic visibility of credit risk
Identify key clients and suppliers in real-time based on transaction volume, overdue exposure, and payment behaviour trends. Finance teams reduce overdue receivables by 22% on average.
Elimination of repetitive tasks
Automatic DSO/DPO calculations, aging reports, and position tracking replace manual spreadsheet work, freeing hours every month for strategic analysis.
Faster, data-driven decision-making
Detect overdue accounts early to renegotiate terms or escalate commercial relationships. Decisions grounded in actual payment behaviour, not assumptions.
Secure payment data governance
Pre-validated IBANs, read-only ERP fields, role-based access controls, and a full audit trail on every change. Enterprise-grade protection replacing uncontrolled spreadsheets.
Ready to transform your treasury management?
Automate, centralise, and make smarter decisions in real time. See how Embat can save your finance team up to 75% of their time, reduce errors, and boost productivity.
Frequently Asked Questions (FAQ)
Counterparty management is the process of centralising, monitoring, and controlling all interactions with your clients and suppliers, from credit risk assessment to payment execution. For treasury teams, effective counterparty management means real-time visibility into who owes you money, who you owe, how reliably each party pays, and where concentration risk exists. Embat centralises all counterparty data from your ERP and banking connections, calculates DSO and DPO automatically from actual payment behaviour, and gives finance teams the evidence to make credit, collection, and payment timing decisions. For multi-entity groups, it consolidates exposure across all legal entities in one view.
Embat calculates Days Sales Outstanding and Days Payable Outstanding automatically using actual paid invoice data, not contractual terms. The system also tracks charge periods (time from invoice issuance to payment) and compares them against expected terms to flag deviations early, so finance teams catch deterioration before it escalates.
Supplier bank accounts are stored with labels, source tracking, and full audit trails. IBAN and BIC fields are pre-validated before any payment is generated. Fields synced from the ERP are read-only and cannot be modified in Embat. Role-based access controls ensure only authorised users can view or edit sensitive payment details.
Yes. Embat links each counterparty to the specific entity it interacts with, giving you organisational mapping across all group companies. You can view consolidated exposure and payment behaviour at group level or drill down by entity. International beneficiaries are supported with full validation of SWIFT, BIC, country, and address fields.
Yes. Embat links each counterparty to the specific entity it interacts with, giving you organisational mapping across all group companies. You can view consolidated exposure and payment behaviour at group level or drill down by entity. International beneficiaries are supported with full validation of SWIFT, BIC, country, and address fields.