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Transaction Banking

Digital Channels

Goldman Sachs Transaction Banking’s (TxB™) digital channels provide clients an omnichannel banking platform experience, allowing them to access their accounts using any of the channels described below. TxB’s platform was designed API-first and on the cloud, making it easy for clients to integrate and providing them with real-time¹ data access.  
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Omnichannel Connectivity
TxB offers clients flexible connectivity options that keep pace with their business, spanning from TxB’s Online Banking Platform to File and API integration. Our platform aims to provide clients consistent capabilities across various digital channels.
Online Banking PlatformTxB’s single, global online banking platform provides a consistent and uniform user experience. Users can access all accounts, currencies, payment types, and connectivity channels available to them. 
User Entitlement Management Comprehensive user access and entitlements management capabilities for clients’ administrators
Dual Approval WorkflowsDual approval control workflows with multi-factor authentication via soft-token technology
Digital Account OpeningDigital Account Opening via self-service allows for creation of additional virtual accounts in seconds.
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TxB's user interface allows clients to control their full suite of products from a central, streamlined, and transparent platform. The platform was designed with clients in mind, providing an intuitive user experience.
Multi-factor Authentication

Soft token authentication accessible via mobile phone as a part of TxB’s multi-factor authentication solution

Real-time¹ Payment status

Real-time¹ payment status visibility using TxB’s payment tracking tool, which includes SWIFT GPI tracking 

Simple User Interface

Simple and responsive digital interface making it easy for treasury teams to operate

File, SWIFT & FileAct ChannelsChannels provide client straight-through processing of payables with direct instructions from their TMS/ERP. File transfers receive automated payment status updates as well as end of day reporting for ease of reconciliation.
Multi-Format File SupportFlexible, industry-standard payment format options for high volume or automated use cases
Data ProtectionPayment data encrypted to help protect clients' information
Quality ReportingIntraday and end of day reporting options that maintain identifiers which can support at-scale reconciliation
TxB channels support a variety of commonly used payment and reporting file formats to accommodate client preferences
Payment Types

Use SWIFT, FileAct, NACHA & ISO file formats to execute domestic and foreign currency payments across ACH, Wire, and real-time rails 

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Developer Guides

Catalogue of file samples and guides for payment initiation & reporting

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Robust Reporting Capabilities

Reporting supports multiple file formats, including BAI, CAMT 52/53, and MT 940/942

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API & WebhookTxB's APIs aim to solve for the cumbersome inefficiencies of legacy transaction banking systems.
Easy IntegrationEasily integrate with TxB’s platform and streamline integration with clients’ existing systems
Automated WorkflowsCreate bespoke workflows to enable clients’ desired treasury operations and processes
Payment NotificationsSubscribe to push-based payment updates, or receive payment status change notifications via webhooks
Real-time¹ Ledger VisibilityTrack real-time¹ ledger activity to help understand which transactions have impacted current and past balances
TxB offers multiple APIs which can help clients automate existing functionalities such as payment initiation, tracking, and reconciliation.
Virtual Account APIs

Clients can create, update, and delete virtual accounts, and better track money movement without the latency of manual reconciliation.

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Multi-Rail Payment API

Single Payment API that is rail agnostic, so clients don’t need to implement additional APIs.

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Real-time¹ Balance & Transaction Reporting APIs

Clients can track changes to their account ledgers, including balances and transactions, ensuring their treasury position is accurately reflected.

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¹ Real-time data can be impacted by planned system maintenance, connectivity or availability issues stemming from related third-party service providers, or other intermittent or unplanned technology issues
Want to learn more?
Get in touch with Goldman Sachs Transaction Banking.
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Transaction Banking services are offered by Goldman Sachs Bank USA (“GS Bank”) and its affiliates. GS Bank is a New York State chartered bank, a member of the Federal Reserve System and a Member FDIC. For additional information, please see Bank Regulatory Information.