eMACH.ai

Virtual Accounts Management

#1 Best-in-Class by Datos Insights

Create accounts instantly, automate reconciliation, and scale payment operations without the complexity of physical account management.

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Trends

What Can Be Done With Virtual Accounts

Treasury transformation with scalable dependable enterprise capabilities.

Self-Service & Instant Creation

Launch accounts instantly through self-service portals. Speed is now critical to treasury agility.

Real-Time Reconciliation

Achieve 95%+ automatic reconciliation with unique account IDs. Reduce DSO by 30-50% with real-time processing.

Embedded Banking & BaaS

Embed financial services directly into your platform. Enable banking capabilities without becoming a bank.

Multi-Level Hierarchies

 

Create unlimited account hierarchies that match your organizational structure—all within a single physical account.

Payment Factories & POBO/ROBO

Centralize payment operations with POBO and ROBO models. Reduce complexity while maintaining control.

Trends

What Can Be Done With Virtual Accounts

Treasury transformation with scalable dependable enterprise capabilities.

Self-Service & Instant Creation

Launch accounts instantly through self-service portals. Speed is now critical to treasury agility.
AI Powered Decisions

AI-Powered Decisions

Achieve 95%+ automatic reconciliation with unique account IDs. Reduce DSO by 30-50% with real-time processing.

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Embedded Banking & BaaS

Embed financial services directly into your platform. Enable banking capabilities without becoming a bank.
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Multi-Level Hierarchies

Data analytics enabling personalized loan products, customized rates, and tailored repayment options.

Embedded Finance

Payment Factories & POBO/ROBO

Centralize payment operations with POBO and ROBO models. Reduce complexity while maintaining control.

Challenges

Help Your Clients Scale

Deliver outcomes your corporate customers expect from their leading banks.

1. Eliminate Account Proliferation

Reduce costs by 70-90% by replacing hundreds of physical accounts with virtual account infrastructure.

2. 100% Automated Reconciliation

Automate payment allocation with zero manual work. Eliminate errors, delays, and disputes from manual matching.

3. Support Rapid Business Evolution

Create new account structures in minutes instead of months. Treasury operations that keep pace with business growth.

4. Real-Time Cash Visibility

Monitor cash positions in real-time with granular visibility by customer, project, or subsidiary—no more batch delays.

CHALLENGES

Help Your Clients Scale

Deliver outcomes your corporate customers expect from their leading banks.

1

Eliminate Account Proliferation
Reduce costs by 70-90% by replacing hundreds of physical accounts with virtual account infrastructure.

2

100% Automated Reconciliation
Automate payment allocation with zero manual work. Eliminate errors, delays, and disputes from manual matching.

3

Support Rapid Business Evolution
Create new account structures in minutes instead of months. Treasury operations that keep pace with business growth.

4

Real-Time Cash Visibility
Monitor cash positions in real-time with granular visibility by customer, project, or subsidiary—no more batch delays.
Product Overview

A fully integrated suite of virtual account capabilities

#1 Best-in-Class by Datos Insights


Highest scores across all evaluation dimensions in the 2024 Virtual Account Management Vendor Guide.

Launch accounts instantly, automate payment reconciliation, and manage complex account hierarchies. Purpose-built for corporate treasury operations at scale.

  • 30+ User Journeys
  • 18+ Upstream APIs
  • 30+ Industries Supported
  • 4 Customer Segments
Gain complete visibility, control, and flexibility over corporate cash with a modern virtual accounts platform that simplifies reconciliation, centralizes treasury operations, and enables effortless POBO/COBO structures. By creating granular virtual account hierarchies, automating cash routing, and integrating seamlessly with payments and liquidity systems, the solution reduces operational complexity, accelerates cash clarity, and delivers a smarter, more scalable way to manage enterprise-wide funds.

Capabilities

Accept and optimize payments at scale

Manage virtual accounts, process transactions, and automate reconciliation on a unified platform.

Account Management

Create virtual accounts instantly via API or portal. Support unlimited hierarchies, multi-currency configurations, and bulk operations with real-time status updates and automated lifecycle management.

Balance & Ledger

Monitor real-time balances across all account levels with multi-currency support and instant FX conversion. Query historical positions, generate roll-up views by any dimension, and automate balance sweeps and interest accruals.

Transaction Processing

Process millions of transactions daily with sub-second latency. Support POBO, ROBO, and hybrid models with split payments, smart routing, and transaction enrichment. Handle both batch and real-time processing modes.

Reconciliation

Automatically match payments to invoices with configurable rules and fuzzy matching for partial payments. Achieve 95%+ automatic match rates with AI-powered exception handling and real-time reconciliation dashboards.

Interest Management

Calculate interest with flexible methods including simple, compound, and tiered structures. Support multi-currency computation, volume-based rates, and automated posting with complete rate change history.

Charging & Billing

Configure transaction-based fees, maintenance charges, and volume discounts. Generate professional invoices, automate revenue recognition, and manage fee waivers with multi-entity billing support.

Embedded Banking

Deploy white-label portals with complete API functionality and real-time webhook notifications. Built on multi-tenant architecture with data isolation, SSO integration, and configurable self-service workflows.

Capabilities

Accept and optimize payments at scale

Manage virtual accounts, process transactions, and automate reconciliation on a unified platform.

Account Management

Create virtual accounts instantly via API or portal. Support unlimited hierarchies, multi-currency configurations, and bulk operations with real-time status updates and automated lifecycle management.

Balance & Ledger

Monitor real-time balances across all account levels with multi-currency support and instant FX conversion. Query historical positions, generate roll-up views by any dimension, and automate balance sweeps and interest accruals.

Transaction Processing

Process millions of transactions daily with sub-second latency. Support POBO, ROBO, and hybrid models with split payments, smart routing, and transaction enrichment. Handle both batch and real-time processing modes.

Reconciliation

Automatically match payments to invoices with configurable rules and fuzzy matching for partial payments. Achieve 95%+ automatic match rates with AI-powered exception handling and real-time reconciliation dashboards.

Interest Management

Calculate interest with flexible methods including simple, compound, and tiered structures. Support multi-currency computation, volume-based rates, and automated posting with complete rate change history.

Charging & Billing

Configure transaction-based fees, maintenance charges, and volume discounts. Generate professional invoices, automate revenue recognition, and manage fee waivers with multi-entity billing support.

Embedded Banking

Deploy white-label portals with complete API functionality and real-time webhook notifications. Built on multi-tenant architecture with data isolation, SSO integration, and configurable self-service workflows.
Key Differentiators

Unlock Virtual Accounts Portfolio Growth
with eMACH.ai

AI-first modern lorem platform transforming each step of your credit lifecycle with robust configurability and automation.

Key Differentiators

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Powered by AI

Intelligence That Actually Helps

Not AI for AI's sake. These capabilities solve real problems - reducing manual work, catching fraud, predicting cash needs. The stuff that actually matters.

Intelligent Reconciliation

Calculate interest with flexible methods including simple, compound, and tiered structures. Support multi-currency computation, volume-based rates, and automated posting.

Predictive Forecasting

Account-level cash predictions, seasonal pattern recognition, customer behavior modeling. See tomorrow’s liquidity position today.

Fraud Detection

Learns baseline behavior, flags anomalies, analyzes transaction networks. Real-time alerts on suspicious patterns before money moves.

Customer Propensity

Identifies upsell opportunities, predicts churn risk, optimizes account usage, cross-sell intelligence. Turn data into revenue.

Customer Success Stories

Delivering Tangible Impact Across Global Banks​

Bank A

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Bank B

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Bank C

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Awards and Recognition

Recognized Excellence

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Insights

Stay Informed with the Latest Insights

Insights contextual to only this solution/product from the Insights repository

Intellect Design Arena Launches EMACH.ai: AI First Banking Explained by CMD Arun Jain | ET Now

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FAQs

Frequently Asked Questions

Learn how virtual account management works and how to implement it at your institution.

Virtual accounts are sub-accounts created within a single physical bank account. Think of them like folders within a filing cabinet – the cabinet is the physical account, the folders are virtual accounts. Each has a unique identifier for automatic payment routing and reconciliation, but all funds actually sit in one master account. This means you can create thousands of ‘accounts’ without actually opening thousands of real bank accounts – avoiding fees, compliance overhead, and operational complexity.

Pretty much any structure you can imagine. Flat hierarchies (all accounts at same level). Multi-level hierarchies (accounts within accounts, unlimited depth). Customer-specific structures. Project-based accounts. Subsidiary accounts. Department accounts. Product line accounts. The platform is infinitely flexible – you design the structure that matches your business logic, and we make it work.

Each virtual account has a unique identifier. When payments come in, the bank payment feed includes this identifier, and we automatically allocate the payment to the correct account – matching it to the relevant invoice or customer. Our AI learns your patterns and handles fuzzy matching for partial payments or reference variations. Typical clients start at 70-80% auto-match rates and reach 95%+ within a few months as the system learns. The remaining exceptions get intelligent suggestions for manual review.

Absolutely. This is a huge use case for VAM. You can white-label the entire platform, expose APIs for your customers to create accounts and manage transactions, set up multi-tenant architectures with complete data isolation, and enable self-service account management. Fintechs, platforms, and marketplaces use this to offer banking services to their end customers without becoming banks themselves. You’re the bank providing the infrastructure; your client becomes the ‘bank’ for their customers.

Core integration points: your core banking system (for account balance updates and transaction posting), payment systems (for incoming/outgoing payment feeds), and potentially your ERP or billing systems (for invoice matching). We support standard protocols – APIs, file feeds (SWIFT, ISO20022, custom formats), message queues. Most banks are up and running in 3-6 months including testing. We have pre-built connectors for major core banking platforms, which accelerates things significantly.

AI Expert agents

AI-First Reimagination Of The Lending Lifecycle

Transform credit operations with embedded intelligence

1

Organisations AI

LOAN ORGANISATIONS DIGITAL EXPERT

AI CAPABILITIES
  1. Unstructured application sourcing
  2. Document extraction
  3. RM and Customer Assistant

2

Underwriting AI
LOAN UNDERWRITING DIGITAL EXPERT
AI CAPABILITIES
  1. Case risk analysis
  2. CAM summary generation
  3. Workflow management