Get real-time visibility into your cash, reduce manual processing, and unlock working capital across your business with an integrated treasury platform, backed by dedicated Treasury Specialists and built to support growth across North America.
Without real-time visibility into your cash position, it’s harder to make informed financial decisions. BMO Treasury & Payment Solutions (TPS) gives you a single, connected view of your cash, backed by Treasury Specialists who take the time to understand your business and tailor solutions to your needs, helping you plan, prioritize and act with confidence.
We embed payments, reconciliation and cash data into your existing systems, reducing friction and giving you immediate visibility into what matters.
Customizable approvals and user controls, help to protect against fraud so you can manage risk proactively while keeping your operations moving smoothly across teams.
Get a consolidated view of your cash to better manage liquidity and make informed decisions across accounts and entities, with North American capabilities when you need them.
Streamline payments while reducing risk and manual work.
Automate accounts payable, from initiation to reconciliation
Send domestic and international payments with greater visibility
Set approval workflows, payment limits, user permissions and more
Simplify how you collect and apply incoming payments.
Offer flexible payment options across traditional and digital channels
Reduce processing time with automation
Capture and match remittance data more efficiently
Improve visibility into incoming cash
From physical cards to virtual card solutions, we help you evaluate available options and select solutions that align with your business needs.
Make domestic and international purchases quickly while maintaining clear policies and controls
Track and manage expenses in real time across departments and users
Reduce manual processes with built-in reporting and reconciliation tools
Improve visibility into spending to support better decision-making
See and manage your cash position across your business.
Consolidate and manage funds across accounts and locations
Monitor cash positions to support day-to-day operations
Optimize excess cash for growth and strategic priorities
Align liquidity with broader financial goals
Connect your banking directly to your systems and workflows. Our embedded and API-enabled solutions integrate payments, data, and processes so your operations run more efficiently - and scale with you.
BMO APIs
Build your own banking experience. Embed payments, access real-time data, and create new products using BMO’s secure* API infrastructure. Explore what you can build with BMO APIs
BMO Sync
Embed banking into your existing platforms. Connect payments, data, and workflows directly to your ERP or accounting software. Learn more about BMO Sync
End-to-end treasury, payments, and receivables solutions across Canada and the U.S.
One connected North American platform with embedded banking, API and ERP integration capabilities
Strategic advisory expertise to help businesses navigate growth, complexity and change
Resilient infrastructure supporting $68T 1 in annual payments processed
Dedicated treasury specialists providing onboarding guidance and support
Trusted by 350K+ digital banking clients with a 4.5/5 digital satisfaction rating2
1 Based on payments processed in fiscal year 2025, top 3 payment rails (ACH, EFT, wire payments)
2 As of fiscal year 2025
