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Atlar wins 13 G2 awards, as voted by treasury professionals

Learning hub

Explore the fundamentals of treasury and finance

Welcome to the Atlar learning hub, where you can find straightforward explainers of essential topics in treasury management, payments, and finance.

Treasury mangement

Treasury management

Treasury management involves managing a company’s financial resources and the associated financial risk.

What is treasury management?

Treasury management is the act of overseeing a business’s financial resources and associated risk, ensuring finances are managed strategically and risks are mitigated effectively.

What is liquidity management?

Liquidity management ensures you have enough cash to meet financial obligations, respond to market changes as they occur, and support your company’s growth objectives.

What is a Treasury Management System (TMS)?

A treasury management system (TMS) is a platform that companies use to manage their cash positions, coordinate financial operations, and reduce financial risk.

What is working capital management?

Working capital management is about monitoring a company's assets and liabilities in order to ensure sufficient liquidity and the efficient use of capital.

Cash management

Cash management

Cash management manages the inflow and outflow of cash to maintain enough liquidity to cover short-term obligations.

What is cash management?

A crucial function within treasury management, cash management manages the inflow from sales or receivables, and outflow for expenses, payroll, and other operational costs.

What is cash flow forecasting?

Cash flow forecasting projects the flow of cash in and out of your business to predict its future viability.

What is cash pooling?

Cash pooling consolidates cash from all accounts and entities into a single account, and is a common practice at companies with multiple entities.

What is financial reporting?

Financial reporting is the process of compiling and sharing financial information with internal and external stakeholders.

What is cash flow analysis?

Cash flow analysis examines the inflow and outflow of cash to see if your business has enough cash to maintain day-to-day operations.

What is cash visibility?

Cash visibility lets you track, monitor, and understand the movement of cash at your organization.

What is cash positioning?

Cash positioning involves assessing a company's current liquidity to determine its financial health and the immediate availability of funds.



Accounting is the process of recording, summarizing, analyzing, and reporting on your financial transactions.

What is accounting?

Accounting is the process of tracking all of your financial transactions. It’s the language of business, the backbone of your financial decision-making.

What is auditing?

Auditing is the process of examining your organization's financial records to verify that they are accurate and comply with accounting standards and regulations.

What is bank reconciliation?

Bank reconciliation is the process of reconciling your bank statements with your internal financial records.

Payment schemes

Payment schemes

The schemes, payment types, and rails through which money moves in different countries around the world.

Bacs Direct Credit

Bacs Direct Credit is one of the main payment schemes in the UK and is used to make regular payments like those for salaries, pensions, and state benefits.

Bacs Direct Debit

Bacs Direct Debit is the most common way to pay on a recurring basis in the UK and is a pull-based bank payment method.


Bankgirot is a giro service for regular mass payments in Sweden. It is one of the main bank payment methods in Sweden and offers same-day settlement.


PlusGirot is giro payment service available in Sweden. It's not a payment system in the traditional sense but a specific type of account used to manage payments.

Faster Payments Service (FPS)

Faster Payments is a real-time payment scheme launched in the UK in 2008, offering near-instant settlement 24/7, 365 days a year.


CHAPS is a same-day sterling payment system based in the UK that specializes in high-value payments.


FedNow is a new instant payment service launched in the U.S. by the Federal Reserve in July 2023.


Fedwire is a real-time gross settlement funds transfer system operated by the Federal Reserve Banks in the U.S. that specializes in large-value payments.

What is the Single Euro Payments Area (SEPA)?

The Single Euro Payments Area (SEPA) is a European Union initiative that allows businesses and customers to make and receive cross-border euro payments.

SEPA Credit Transfer

SEPA Credit Transfer (SCT) was the first SEPA scheme to be introduced in 2008 and facilitates credit transfers in euros throughout the SEPA zone.

SEPA Instant Credit Transfer

Introduced in 2017, SEPA Instant Credit Transfer (SCT Inst) is a real-time payment service intended to make instant payments available throughout the SEPA zone.

SEPA Direct Debit B2B

SEPA Direct Debit B2B (SDD B2B) is a payment service available throughout the SEPA zone that is used for transactions between businesses, including loan repayments or large purchases.

SEPA Direct Debit Core

Introduced in 2009, SEPA Direct Debit Core is a pull-based payment service available in the SEPA zone that is used widely for consumer and business payments.

Bank connectivity

Bank connectivity concerns how a company exchanges information with its banks and is a prerequisite for most financial operations.

What is bank connectivity?

Bank connectivity is key to many financial operations. Major connectivity methods include host-to-host, EBICS, SWIFT, and open banking.


Host-to-host is one of the most established methods by which companies can connect to a bank. It is a direct communication link between two systems that enables files to be transferred securely.

Secure File Transfer Protocol (SFTP)

Secure File Transfer Protocol (SFTP) is a variant of host-to-host connectivity. It is a secure and reliable method of connecting to a bank and supports a wide range of financial operations.

Electronic Banking Internet Communication Standard (EBICS)

EBICS is a standard protocol that lets companies connect directly to a specific bank and is widely supported in Germany, France, Austria, and Switzerland.


SWIFTNet is the name of a platform and messaging system provided by SWIFT, a global cooperative network of over 11,000 banks and financial institutions.

Corporate banking APIs

Corporate banking APIs are proprietary APIs that banks offer to their corporate customers to enable programmatic, real-time access to banking services.

Open banking and PSD2 APIs

Open banking started to gain momentum after the introduction of PSD2, requiring banks to grant licensed third parties access to their customers' accounts.

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The Atlar dashboard including features for cash management, forecasting, and payments