Atlar alternatives for cross-border payment companies

By Polynopsis team · Last updated 27 October 2026

What matters for a cross-border payment company

• Payout partner, PSP and wallet balances in the same view as bank accounts
• Bank connectivity method: SWIFT, host-to-host, EBICS, bank APIs or aggregators
• Multi-entity and multi-currency consolidation
• Real-time or intraday data versus prior-day statements
• Payments and approval workflows in the same platform
• Published pricing or a clear pricing basis

At a glance

Atlar

Atlar is a treasury platform from Stockholm for cash management, payments, forecasting and reconciliation, built around managed bank and ERP connections.

• Atlar says it connects to more than 100 banks globally and lists more than 130 across major markets on its integrations page (as of October 2026). source
• Connection methods are real-time APIs, SFTP for host-to-host, and EBICS including the German, Swiss and French variants; supported file formats include SWIFT MT, ISO 20022 XML and BAI2. source
• Atlar has four plans (Connect, Essential, Professional, Enterprise) and does not publish fixed prices; each plan is quoted on banks, entities and usage. source
• The Professional plan adds payments, cash flow forecasting, payment approval chains, API access and real-time API connections, with an Atlar-managed implementation. source
• Atlar became a pre-built integration on the Citi Developer Portal in March 2025, syncing Citi balances and transactions over a real-time API. source
• Atlar states that customers are up and running in 2 to 3 months on average; Atlar manages the implementation on its Professional and Enterprise plans. source
• Mangopay used Atlar to free up EUR 20 million in idle cash, and GetYourGuide reports real-time cash visibility across 12 banks and PSPs. source
• Atlar has offices in London, Stockholm, Berlin and New York and is backed by Index Ventures and General Catalyst. source

Named customers: Mangopay, Tide, Trustly, TrueLayer, Upvest, Mondu, Zilch, GetYourGuide

Kyriba

Kyriba is a SaaS liquidity platform covering treasury management, payments, working capital and risk management, with a large bank and ERP connectivity network.

• Kyriba describes itself as trusted by 4,000 customers and says its platform powers payments across 10,000 banks a year (April 2026). source
• Kyriba integrates over 600 corporate BICs on SWIFT, which it describes as more than 28% of SWIFT's total corporate BIC membership. source
• Kyriba connects host-to-host by secure FTP to hundreds of banks, through bank APIs, and through regional networks including EBICS, Bacs, Faster Payments, Zengin, CBI and EDITRAN. source
• The platform handles more than 3.6 billion bank transactions and $51 trillion in payments a year, and connects to over 10,000 ERP instances. source
• At KyribaLive on 28 April 2026, Kyriba announced that it is working with Circle to integrate USDC into its treasury platform, that J.P. Morgan Asset Management's Morgan Money is being embedded in the platform, and an AFP certificate on stablecoins and on-chain liquidity. source
• Kyriba also announced two new platform solutions, Advanced Liquidity Planning and Advanced FX, in April 2026. source
• In October 2024 Bridgepoint reinvested as majority shareholder and General Atlantic joined as a minority investor, in a deal valuing Kyriba at over $3 billion. source

Named customers: Uber, McKesson Corporation

Trovata

Trovata connects banks, financial data and treasury workflows on an AI platform, with products for cash visibility (Trovata Cash), a full TMS, managed bank data and stablecoin balances.

• Trovata publishes a Base Package price of $24k a year that includes 1 bank, 100 accounts, 1,000,000 transactions and 10 users (as of October 2026). source
• The Base Package covers balances, transactions, forecasts, cash positioning, reconciliation, payments, entity management and NetSuite and FloQast integrations. source
• Trovata supports API bank connections, SFTP feeds (BAI, MT940, CAMT), SWIFT feeds (MT94X, MT535) and Plaid-supported banks. source
• Trovata Stablecoin lets treasury teams hold USDP, minted by Paxos, in a wallet inside Trovata next to bank accounts, with the underlying fiat held at State Street. source
• Trovata Stablecoin advertises a 2% earnings credit rate (ECR) on stablecoin balances above minimums, which can be applied to Trovata subscriptions, AI agent usage or bank fees (as of October 2026). source
• Trovata reports 56K bank accounts and 295M+ daily bank transactions on its platform (as of October 2026). source

Named customers: Lemonade, Cloud Software Group, Park Place Technologies

Nomentia

Nomentia is a Helsinki-headquartered treasury and cash management software provider whose modular Smart Treasury Suite covers bank connectivity, payments, cash positioning, forecasting and risk.

• Nomentia connects to banks through SWIFT Business Connect, EBICS, host-to-host, PSD2 APIs and SFTP, and lists 10,000+ bank connections. source
• Nomentia was one of the first vendors to provide Swift's Business Connect service, using Swift's Alliance Cloud interface (August 2024). source
• In February 2025 Nomentia partnered with Enable Banking to provide PSD2 API connectivity. source
• On 9 September 2026 Nomentia added Analytics, Predictive Forecasting, AI Agents, Intercompany Netting, Hedge Accounting and Scenario Analysis to its Smart Treasury Suite. source
• Inflexion agreed to acquire a majority stake in Nomentia in March 2023, when Nomentia had more than 1,400 customers and solutions used in over 80 countries. source
• Alexander von Schirmeister succeeded Jukka Sallinen as Nomentia CEO in December 2025. source

Named customers: Copenhagen Airports, Gasum, Paulig, HMS Networks, Ponsse, Eltel

Modern Treasury

Modern Treasury is a payment service provider for fiat and stablecoin, offering payments, ledgers and reconciliation through one API.

• Modern Treasury describes itself as a payment service provider for fiat and stablecoin, with payment rails including ACH, RTP, FedNow, checks, wire, push-to-card and stablecoins. source
• Modern Treasury connects through 30+ direct bank integrations. source
• On 22 October 2025 Modern Treasury acquired Beam, a stablecoin and fiat payment platform whose customers include Sling Money. source
• On 5 October 2026 Modern Treasury applied to the OCC to establish Modern Treasury National Trust Bank, a limited-purpose trust bank to hold and move stablecoins and fiat together. source
• Pricing is usage-based with annual terms and no minimum spend; on-ramps and off-ramps carry a fiat rail fee plus a conversion fee (as of October 2026). source
• Modern Treasury reports over $600 billion in payments processed. source

Named customers: Spritz, Sling Money, Nomad, Wingspan, Settle, Anchorage Digital

Embat

Embat is a Spanish AI treasury platform for mid-sized and large companies covering cash visibility, payments, forecasting and automated bank reconciliation.

• Embat connects to over 15,000 banks and financial products, real-time via APIs and file-based when needed. source
• Embat acquired US bank API provider Necto in February 2025; Necto had integrated more than 30 banks and nearly 100 API services. source
• Embat supports transactions in 70 currencies and integrates banks including J.P. Morgan, Citi, Barclays, HSBC, Deutsche Bank and Wells Fargo. source
• Embat raised a EUR 30 million Series B led by Cathay Innovation in May 2026, bringing total funding to EUR 50 million. source
• Embat serves more than 400 European corporate clients and entered the UK and Ireland in 2025 (May 2026). source

Named customers: VIVLA, Treatwell, Fever, Northern Data, HOFF, Molins

Agicap

Agicap is a Lyon-founded cash management platform for mid-sized companies that centralises bank and ERP data for cash visibility, forecasting and payments.

• Agicap connects to banks through SWIFT, host-to-host, API-based integration and SFTP, and supports NACHA, wire, SWIFT and ISO 20022 payment formats. source
• Agicap says it is used by over 8,000 companies (as of October 2026). source
• Agicap is compatible with more than 300 UK, Irish and international banks; pricing is a tailored annual quote with a 12-month minimum term and a free trial. source
• Agicap raised a EUR 45 million Series C from AVP in November 2024 and says it focuses on mid-sized companies. source
• Agicap operates in France, Germany, Spain, Italy and the UK. source
• M2A Media uses Agicap to forecast cash across several entities and consolidate four bank accounts, multiple credit cards and several currencies. source

Named customers: M2A Media

Where Polynopsis fits

Polynopsis is built for cross-border payment companies whose money sits with payout partners, exchanges and stablecoin wallets as well as banks. It gives one read-only position across all of them, tracks money in flight and warns before a corridor runs dry. It is not a full treasury management system: it does not execute payments or manage investments and debt, so firms that need those pair it with a treasury management system or choose one of the tools above.

Other comparisons

• Kyriba alternatives for mid-size payment companies
• Stablecoin treasury software for payment companies

Sources

1. Atlar financial connections · Atlar
2. Atlar pricing · Atlar
3. Introducing Atlar's pre-built Citi integration · Atlar
4. A guide to bank connectivity for finance and treasury teams · Atlar
5. Atlar customers · Atlar
6. About Atlar · Atlar
7. Kyriba brings AFP, J.P. Morgan Asset Management and Circle into a single AI-orchestrated treasury platform · Kyriba
8. Kyriba Liquidity Performance Platform · Kyriba
9. Bridgepoint to reinvest in Kyriba, alongside new minority investor General Atlantic · General Atlantic
10. Trovata pricing · Trovata
11. Connections guide · Trovata Help Center
12. Introducing Trovata Stablecoin · Trovata
13. Trovata · Trovata
14. Nomentia bank connectivity · Nomentia
15. Nomentia to provide Swift's Business Connect service to clients · Crowdfund Insider
16. Nomentia news · Nomentia
17. Nomentia launches new modules for the foundation of modern treasury · Treasury Management International
18. Inflexion announces acquisition of Nomentia · Inflexion
19. Modern Treasury · Modern Treasury
20. Integrate with Bank of America · Modern Treasury
21. Modern Treasury acquires Beam to expand instant payments leadership with stablecoins · Modern Treasury
22. Modern Treasury applies to establish national trust bank · Modern Treasury
23. Modern Treasury pricing · Modern Treasury
24. Embat and Microsoft Business Central · Embat
25. Embat acquires Necto, strengthening leadership in global corporate banking connectivity through APIs · Treasury Management International
26. Spanish treasury platform Embat lands EUR 30m Series B for European expansion · FinTech Futures
27. Connect all your banks, ERPs and business tools, all over the world · Agicap
28. Agicap pricing · Agicap
29. Agicap secures $48 million for its cash flow management platform · TechCrunch
30. Why choose Agicap as your cash management solution · Agicap
31. M2A Media customer story · Agicap