Engineered for Today’s Treasury.

A Tailored Experience

TxB’s platform delivers a customized onboarding journey based on the unique needs of your business. Pre-filled data and automated information gathering reduces administrative effort and provides accuracy.

Smart, Modern Interaction

Engage with dynamic digital forms within a single, cloud-based platform, replacing lengthy PDFs and email exchanges. Smart logic and validations can reduce errors and streamline the onboarding process.

End-to-End Transparency

Gain real-time visibility² into your progress, next steps, and timelines. Dynamic KYC integrations capture necessary information upfront, helping to reduce delays and miscommunication, and provide a smoother onboarding experience.

The U.S. payments landscape is a patchwork of rails, legacy systems, and complex pricing. This complexity can create friction, drains resources, and slow your business down.

Goldman Sachs Transaction Banking (TxB^TM) has built a better way: a platform engineered from the ground up to deliver a unified, payments experience.
 

Unify Your Treasury with a Single, Powerful Integration

It’s time to replace managing separate connections for ACH, Fedwire, RTP, and Checks. TxB’s API-native platform provides a single point of access to all available U.S. payment rails. The result is a simplified workflow, transparent processing, and a normalized experience across all payment types. Implementation that used to take months can now be completed in minutes.

Accelerate Your Operations with True Performance

TxB’s advantage is a modern, microservices-based infrastructure. This isn't a legacy system with an API wrapper; it's a cloud-native treasury engine.

• Instant Exception Handling: ACH exceptions and returns are identified and shared back to you via API quickly. This is delivered through an omnichannel experience of your choice.
• Intelligent Routing: Configure payments to automatically re-route to RTP from other rails (or vice versa) without changing your integration, optimal optimization, speed and cost.
  
  

Drive Smarter Decisions with Transparency and Control

TxB provides the tools modern treasury demands to automate and optimize.

• Smarter ACH Automation: Automatically re-try returns or route returned funds to designated accounts, all fully enabled over API. Preconfigure files, enabling push notifications (inbound payments) into an account of your choosing.
• Transparent Billing: TxB provides specific codes for all payments, giving you the clarity to analyze costs and manage your budget effectively.

Managing a sprawling web of physical bank accounts can create operational drag, complicate cash visibility, and slow your business. Goldman Sachs Transaction Banking (TxB^TM) offers a simpler approach with Virtual Integrated Accounts (VIAs).

VIA numbers are clearing-recognizable, API-enabled accounts that empower you to centralize liquidity and automate treasury functions, all without the burden of opening new physical accounts. Move beyond legacy structures and embrace a new standard of efficiency.

• Centralize with Ease: Rationalize your bank account footprint by creating many VIAs under a single physical account. Achieve native cash centralization, eliminating the need for costly and complex physical sweeps. Our solution simplifies multi-entity and on-behalf-of (POBO/ROBO)³ payment and collection flows, helping setup scalable structures to suit the needs of your organization.

• Accelerate Your Operations: Onboard new VIAs in minutes, not months.⁴ Create and close VIAs on-demand through our self-service web portal or programmatically via API. You can automate accounts receivable by assigning unique VIAs to each customer, enabling straight-through reconciliation and dramatically improving your cash application and working capital cycle.

• Enhance Visibility and Control: Gain real-time visibility² with granular, API-driven reporting at the individual VIA level. Make and receive payments across all available major rails using unique virtual account numbers for each VIA and customize setup to fit your operational needs.

With TxB Virtual Integrated Accounts, you can build a more agile, efficient, and transparent treasury function.