Corporate Banking

Novita Pay Corporate Banking serves established enterprises with the sophistication their scale demands. From centralised treasury and liquidity management to hedging foreign-exchange exposure and orchestrating high-volume payment operations, the platform combines institutional-grade capability with the clarity and speed of modern software. Dedicated relationship managers, bespoke pricing, and enterprise service-level agreements ensure that your organisation is supported by people who understand your business as intimately as they understand banking.

Corporate clients gain access to virtual account structures, multi-entity consolidation, programmatic payment APIs, and granular approval workflows that satisfy the most demanding internal controls and external audit requirements.

Centralised treasury with real-time visibility

For a large organisation, the single greatest treasury challenge is visibility: knowing, at any given moment, exactly how much cash exists, where it sits, and in which currencies. Novita Pay Corporate Banking consolidates balances across every entity, account, and region into a single, live treasury dashboard. Finance teams can see the group-wide cash position instantly, drill down into any individual account, and model the impact of upcoming obligations. This clarity transforms treasury from a reactive, spreadsheet-driven function into a strategic capability that actively improves the return on the organisation's capital.

Liquidity management that works while you sleep

Idle cash is expensive cash. The platform supports sophisticated liquidity structures including physical and notional pooling, automated sweeps between accounts, and target-balance rules that keep operating accounts funded while surplus is concentrated where it earns most. These arrangements run automatically according to the policies you define, ensuring that liquidity is always positioned optimally without requiring constant manual intervention from the treasury desk.

Managing foreign-exchange risk with confidence

Enterprises that trade across borders carry currency risk whether they acknowledge it or not. Novita Pay provides the tools to measure, manage, and mitigate that exposure. Hold balances in multiple currencies to naturally offset receivables and payables, execute conversions at transparent institutional rates, and access forward-looking tools that help you plan around anticipated flows. By making exposure visible and manageable, the platform helps protect margins from the volatility that can otherwise erode months of hard-won operating profit.

Payments at enterprise scale

Corporate payment operations demand volume, control, and reliability in equal measure. The platform processes high-volume batch payments — payroll, supplier settlements, dividend distributions — with speed and precision. Every payment run passes through configurable approval workflows that enforce segregation of duties, dual authorisation, and value thresholds appropriate to your governance framework. Programmatic APIs allow payment initiation and reconciliation to be embedded directly into your enterprise resource planning and treasury management systems, so banking becomes a seamless component of your wider technology estate rather than a siloed island.

Controls and compliance auditors trust

Every corporate action on the platform is governed, logged, and traceable. Approval matrices ensure that no material payment proceeds without the appropriate authorisation. Immutable audit trails record who did what, when, and from which device. Role-based permissions map cleanly onto your internal control framework, and comprehensive reporting produces the evidence external auditors require without weeks of manual preparation. Compliance is treated not as an afterthought but as a foundational design principle woven through every workflow.

Relationship coverage that adds genuine value

Technology is only part of the corporate banking equation. Each enterprise client is supported by a dedicated relationship manager backed by a specialist team spanning treasury, payments, compliance, and technical integration. This coverage model means that when a complex requirement arises — a new market entry, a merger, an unusual payment structure, a bespoke reporting need — you have experienced professionals ready to design a solution around your specific circumstances rather than forcing you into a rigid, one-size-fits-all product.