High-value corporate payments demand speed, certainty, and intelligent decision-making.
Intellect’s Transaction Limits Management (TLM) empowers financial institutions to authorize payments in real time by evaluating balances, credit limits, liquidity structures, and business rules—delivering an instant Pay, No Pay, or Refer decision.
Built for modern transaction banking, TLM helps banks improve straight-through processing (STP), reduce operational risk, optimize liquidity, and deliver a superior client experience for corporate payments.
Key capabilities include:
- Real-time payment authorization and limit validation
- Instant Pay, No Pay, or Refer decisions
- Support for group limits and complex liquidity structures
- Intraday payments using daylight exposure limits
- Dynamic limit management across thousands of account structures
- Improved straight-through processing (STP)
- Reduced payment referrals and operational costs
- Lower liquidity and overdraft exposure
Proven business outcomes:
- Over 99% straight-through processing (STP)
- Less than 0.1% payment referrals
- More than $500 billion in daily payment processing
- 30% reduction in end-of-day overdraft positions
- Successfully deployed across leading global financial institutions
With Transaction Limits Management, banks can reduce risk, improve operational efficiency, accelerate payment processing, and deliver faster, more reliable experiences for corporate clients.
