Treasury APIs
Real-time cash visibility and payment initiation, directly from your ERP or TMS
When payments and reporting rely on multiple manual steps and different systems, maintaining visibility and control becomes harder. Our payment and reporting APIs close this gap by connecting your systems directly to ING. You can initiate payments and access up-to-date balances and transactions directly from your ERP or TMS. This reduces manual work and gives you the information you need to act with confidence.
ING offers two APIs that help you streamline payments and improve cash visibility:
1. Real-time Reporting API: Gain real-time visibility into balances and transactions across your accounts.
2. Direct Payment Initiation API: Initiate payments directly from your system, without having to authorize every single payment.
Together, these APIs help treasury teams automate workflows, improve cash visibility and respond faster to changing liquidity needs.
1. Real-time Reporting API
The Real-Time Reporting API delivers live account balances and transaction data directly into your treasury system, removing delays in cash visibility.
- Live cash visibility: Access up-to-date account balances whenever you need them, helping you act on current cash positions instead of relying on batch reports.
- One clear overview: Consolidate account data across entities within your own systems, without switching between platforms or managing multiple logins.
- Faster reconciliation: Access transaction data whenever needed to improve matching in your ERP and reduce manual reconciliation effort.
- Better decision-making: Make funding, investment, and FX decisions based on current data.
Typical use cases include:
Full treasury automation: API-only connectivity to prepare for real-time treasury
Intraday risk management: insight and act on FX exposure in volatile market circumstances
Real time cash visibility: Optimise liquidity and access to funds throughout the day
2. Direct Payment Initiation API
The Direct Payment Initiation API lets you trigger payments directly from your ERP or TMS, removing manual steps and file-based processes.
- Faster execution: Initiate pre-authorised payments without manual approval, enabling fast and secure processing 24/7/365.
Full control: Manage payment flows centrally within your treasury system, improving oversight across entities.
Lower error risk: Automate payment flows and reduce errors caused by manual input and file handling
Improved customer experience: Enable faster payouts, such as refunds or claims, helping you respond more quickly to customers and business partners.
Typical use cases include:
Intercompay funding automation: automate intercompany liquidity allocation
Temporary workforce payments: Ensure timely payments for contractors and temporary staff
Merchant refunds: Speed up refunds and support a better customer experience
How to get started with ING Treasury APIs
Contractual onboarding
Define the APIs, accounts and countries you want to connect.
Technical onboarding
Create an account on the ING Developer Portal, activate your access with support from the Open Banking team, and connect the APIs you want to use.
Integration
Connect the APIs to your ERP, TMS or other business systems and configure them to your requirements.
Go live
Start using your APIs in production and embed payments and reporting into your treasury processes.
FAQs
How do APIs improve cash visibility for corporate treasury?
ING's Real-Time Reporting API provides access to up-to-date balances and transaction data directly within your ERP or treasury management system. This enables treasury teams to monitor cash positions with consistent and standardised data, supporting more effective liquidity management across entities and currencies and enabling faster, more informed decision-making.
What is the difference between batch reporting and API reporting?
With the Real-Time Reporting API, you can pull balance and transaction data directly into your ERP or treasury management system whenever you need it. This gives you greater flexibility and control over when account information becomes available.
This differs from batch reporting formats, such as MT940, MT942 or CAMT statements, which are delivered at scheduled intervals, for example at the end of the day or at predefined times during the day. As a result, cash position and transaction data are based on the latest available report rather than the most current information.
Instead of waiting for reporting files to be delivered, the Real-Time Reporting API provides on-demand access to account information, helping treasury teams gain faster visibility into cash positions, make more informed decisions and manage liquidity more effectively.
Which payment types can we be initiated via the API?
Currently, SEPA (including SEPA Instant), domestic and international payments are supported as single payments.
The ING Direct Payments Initiation API enables payments to be initiated and processed in real time, supporting instant payment schemes and 24/7/365 availability where supported. By integrating directly with your systems, APIs allow you to trigger payments whenever needed — without being limited by batch cycles or cut-off times. This means you can respond immediately to business events, accelerate payouts such as refunds or claims, and support always-on operations in a 24/7 economy.
Are ING's Treasury APIs safe to use?
Yes. ING APIs adhere to the strict security standards ING sets for itself. During onboarding, ING works with clients to establish a secure connection between their systems and ING, ensuring interactions and payment processing remain as secure as through other ING banking channels.
Why are corporates moving to API-based banking connectivity?
Corporates are increasingly adopting API-based banking connectivity to modernise treasury operations and support more automated, real-time processes. Many organisations use APIs alongside traditional connectivity solutions.
Main reasons why corporates move to API based banking connectivity:
Supporting real-time decision making and real time cash visibility
Need for greater efficiency and automation
Direct integration into ERP and TMS systemsn