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PAYMENT FACTORY

One platform for every payment. Every bank. Every currency.

Centralise payment processing across all your entities and banks. Approve, route, and track payments with full audit trails and fraud prevention built in.

Bank-grade encryption Maker-checker controls Full audit trail
Payment Queue
Payroll — June 2026
15 payments · ₦42.8M
Approved
Vendor — Acme Corp
1 payment · $125,000
Pending
Supplier — Global Logistics
3 payments · €84,500
Approved
Tax — FIRS Q2
1 payment · ₦18.2M
Rejected
Payment processing

Centralised payment hub

Process payments across all entities from a single interface. Route to the right bank automatically based on currency, amount, and entity. Batch processing for high-volume operations.

  • Multi-entity payment processing
  • Smart bank routing
  • Batch payment operations
  • Multi-currency support
Payment Routing
Entity A — NGN
GTBank
Sent
Entity B — USD
Citi
Sent
Entity C — EUR
Deutsche
Queued
Processed
247
Pending
12
Failed
0
Governance

Configurable approval workflows

Maker-checker controls with configurable approval chains. Dual authorisation for high-value payments, delegation rules, and mobile approval for executives on the go.

  • Maker-checker controls
  • Threshold-based routing
  • Delegation and escalation
  • Mobile approval
Approval Chain
Maker — Treasury Analyst
Created payment batch · 10:24 AM
Done
Checker 1 — Treasury Manager
First approval · 10:41 AM
Done
Checker 2 — Group Treasurer
High-value threshold ($100K+)
Awaiting
Release to bank
Auto-release after final approval
Pending
Compliance

End-to-end tracking & audit trail

Full lifecycle tracking from creation to settlement. Every payment has a complete audit trail — who created it, who approved it, when it was sent, and when it settled.

  • End-to-end payment tracking
  • Complete audit trail
  • Settlement reconciliation
  • Fraud detection alerts
Payment Lifecycle
Created
Approved
Sent
Settled
EventUserTimeStatus
Payment createdA. Okafor10:24 AMComplete
L1 approvalB. Mensah10:41 AMComplete
L2 approvalC. Adeyemi11:05 AMComplete
Sent to bankSystem11:06 AMComplete
60%
Reduction in payment processing time
99.9%
Payment accuracy rate
Zero
Unauthorised payments

"We consolidated payments from 8 entities across 4 countries into TreasuryOS. Processing time dropped from 2 days to 2 hours."

Head of Treasury Operations
West African Financial Group

Centralise your payments today

Join treasury teams across Africa and beyond who trust TreasuryOS to streamline payment processing and strengthen controls.