Payments

Formats and Templates

Cobase standardizes and simplifies payment formats and templates across all banks, payment types, and regions. By supporting global standards and automating bank-specific formatting, Cobase enables treasury teams to send payments with confidence — while reusable templates reduce manual input and help ensure compliance with internal policies.

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One file in

Any format out

With Cobase, you only need to maintain a single, clean ERP export. Cobase takes care of all downstream formatting, validation, and transformation — across all banks, formats, and payment types — so your treasury team can operate efficiently, without friction.

SmartWorkFlow
Automatic format transformation

Cobase accepts standard input formats (e.g. pain.001, CSV) and automatically transforms them into the correct format per bank, including local variations and tag requirements.

InHouseBanking
Built-in format mapping

All required mapping rules — including bank-specific field logic — are maintained by Cobase. No configuration or format maintenance is needed on your side.

Complexity
Guided manual entry

When entering payments manually, Cobase prompts users with only the fields required for the selected payment type, destination country, and bank — reducing errors and ensuring compliance.

ERP
No local format maintenance, no custom ERP development

Cobase maintains and updates all relevant payment format mappings — including national formats, SWIFT MT101, local CSV structures, or EBICS variants — so you don’t have to.

 

Key features

Accepts one standardized XML input (pain.001) from your ERP
Transforms payment data into any required bank format
Built-in mappings for SWIFT MT101, national CSVs, EBICS, APIs, and more
Dynamic validation and error checking before execution
Manual entry prompts tailored by destination and channel
Reusable templates reduce manual effort and ensure consistency
Eliminates the need for ERP-side bank format maintenance
Fully compatible with SWIFT, API, H2H, and EBICS channels

Frequently asked questions

Do I need to configure formats per bank?

No. Just send one pain.001 XML file from your ERP. Cobase transforms it into the correct format per bank automatically.

What if I have multiple banks with different format requirements?

Cobase handles this in the background. You only need to maintain one file structure in your ERP.

Can I use Cobase for local payment formats?

Yes. Cobase supports MT101, local CSVs, EBICS variants, and more — with all mappings pre-configured.

How are manual payments handled?

Cobase guides users through the correct data entry fields based on payment type, ensuring required information is provided.

What if a bank changes its requirements?

Cobase manages all format and mapping updates centrally, so you don’t need to make ERP-side changes.

Interested?

Manage all your bank accounts centrally with Cobase

Simplify your cash management and save valuable time. One platform, complete control over all your financial flows.
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