Seven Payments Principles for Treasury in 2025 and Beyond

Sellers expect instant payments. Employees count on appropriate payments and reimbursements. Meanwhile, regulations are continuously change. Patric Leone, product owner, connectivity, at Fides Treasury Services, discusses seven payment principles that treasurers must apply to respond to modern cash demands and focus on what really matters – the continuous health and future of the company.

Follow the trends of the modern treasure

Make a payment was simple. Now, it is a daily exercise in compliance, technology and risk management, and it is essential that treasurers have good policies, processes, guarantees and technological partners.

The advent of ISO 20022, real -time payments, codes for purpose, automation led by AI and digital identity frames all grow treasure professionals, even experienced to adapt.

Significant regulatory changes are also underway. The recipient’s verification (VOP) in Europe will help prevent fraud and payment errors. Compulsory use of structured address data for international payments will improve money laundering money laundering and sanctions.

There is a lot to learn and a lot of innovation potential. But in the continuation of progress, fundamental guarantees such as secure connectivity and the integrity of the process are often depreciated.

Seven Treasury Payment Principles

To simplify the process, treasurers can apply the following seven principles to carry out a solid framework for safety, compliance and risk management:

• Steering in self-service and centralized control
  Flexible and self-service signaling frames are precious for organizations of all sizes, small and medium-sized businesses to multinational companies. Even if you choose to rationalize routine payments, applying a maximum system payment of the system helps maintain strategic surveillance and governance between teams, geographies and commercial units.
• Implement the roles -based access controls (RBAC)
  Whether you connect to banks and treat payments through an ERP, MSD, a banking portal or a connectivity supplier such as Fides, roles -based authorizations guarantee compliance, approvals that are too limited by the staff higher than the restriction of BIC and rapid configurations to technical experts.
• Regularly revalidate access rights
  Dynamic global teams require flexible access models, but are also subject to more frequent organizational changes. You must regularly consult and update granular user roles, such as administrators and signatories for the configuration of accounts and approval profiles only, which you have implemented as part of your RBAC strategy.
• Continue to screening sanctions
  The lists of sanctions are constantly evolving, in particular in today’s volatile geopolitical climate. To reduce risks and ensure compliance, each payment must be detected each time without any exception.
• Use lists
  Adding accounts to an “authorization list” guarantees that only trusted recipients are paid. To reduce the risk of error or fraud, security can be managed via the “four-eyed principle” in a treasury aggregation platform or coded in ERP or MSD.
• Do not count alone on the AI
  The market buzzes new fraud prevention tools based on AI. Although these tools are promising to help rationalize workflows, we are not yet at a point where AI can (or should) operate without human in the loop.
• Associate yourself with a connectivity supplier
  Secure, intelligent and scalable connectivity is not only a technical requirement. It is the foundation of the modern treasure. Look for a connectivity supplier with experience on several connectivity channels and extensive implementations. A history of reliability, auditability and high customer service notes is a must. In addition to technical know-how, your connectivity partner must act as an expert advisor, in particular by providing advice on banks, tools such as ERPs and TMS and treasure trends to help you adapt to change today and in the future.

Build a resilient treasure

The main strength of the treasure is in resilience: protecting activity against risks while allowing growth. Cash heads can undergo more pressure than ever before – but it also means that there are more opportunities to add value. By following the key principles designed to ensure secure and compliant payments and work with trusted partners to help implement the right framework and the right processes, treasurers establish a success platform.