Cobase
by Cobase · Bank Connectivity
Multi-bank connectivity and treasury platform linking cloud ERPs to banks worldwide.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
NetSuite
Microsoft Dynamics 365 Business Central
SAP S/4HANAMicrosoft Dynamics 365 FinanceInfor- Deployment
- Cloud
- Company size
- Mid-market, Enterprise
- Pricing
- Quote-based
- Founded
- 2016
- Headquarters
- Amsterdam, Netherlands
Overview
Cobase is an Amsterdam-based multi-bank connectivity and treasury platform, founded in 2016 as a company incubated within ING Bank. ING became an early investor in 2017, followed by Credit Agricole and Nordea in 2020; Alpha Group acquired a majority stake in 2023, and Alpha cross-border business (including Cobase) was integrated into Corpay Cross-Border Solutions, part of Corpay, Inc. (NYSE: CPAY), in 2025.
The platform gives a single point of access to a company banks and accounts for payments, cash and treasury management. Its Bank Connector product links cloud ERPs, including Oracle NetSuite via a dedicated SuiteApp, Microsoft Dynamics 365 Business Central, and SAP S/4HANA, directly to banks over SWIFT, host-to-host, EBICS, API and local-standard connections, automating payment-file and statement (CAMT.053) exchange. The broader Payment Hub adds centralized payment authorization, a payment dashboard and fraud controls, and optional Treasury Modules cover cash pooling, liquidity forecasting, in-house banking, foreign exchange and debt management.
Cobase reports 5,000+ users across 90+ countries connected to 300+ banks, and serves corporates, private markets firms and financial institutions. It holds ISO 27001 certification (via BSI), SOC 2 Type II and ISAE 3402 attestations, with data hosted in EU-based Microsoft Azure data centers.
Features & capabilities
Bank Connectivity (Bank Connector)
Links ERPs directly to banks for automated file and statement exchange.
- Multi-protocol connectivity: SWIFT, host-to-host, EBICS, APIs and local standards
- Automatic file mapping and transformation
- Support for PAIN.001, MT101, CAMT.053, MT940 and BAI2 formats
- Daily automated bank statement imports into the ERP
- Real-time payment status tracking synced back to the ERP
- Centralized, token-based payment approvals replacing multiple bank portals
Payment Hub
Centralized payment processing and management.
- Centralized payment file processing and validation
- Payment authorization and approval workflows
- Payment dashboard and worklist
- Manual payment entry for salary runs and single payments
- Payment track-and-trace
- Fraud prevention tools
Treasury Modules
Optional add-ons for broader treasury management.
- Cash flow and liquidity forecasting
- Cash pooling and target balancing
- In-house banking
- Foreign exchange trading and risk management
- Debt management
- Bank account management (BAM)
- Transaction and sanctions screening
Cash Visibility & Reporting
Consolidated view across all connected banks.
- Real-time multi-bank account visibility
- Financial dashboards
- Consolidated reporting across 300+ connected banks
Common use cases
- Connecting a cloud ERP (NetSuite, Dynamics 365 Business Central, SAP S/4HANA) directly to all of a company banks for payments and statements
- Replacing manual multi-bank-portal logins with a single centralized payment approval workflow
- Automating daily bank statement imports into the ERP in CAMT.053 format
- Running centralized cash pooling and liquidity forecasting across subsidiaries and currencies
- Screening transactions and enforcing fraud controls across all connected banks from one hub
- Giving a private markets or portfolio-company group a single multi-bank view across many entities
- Managing in-house banking and intercompany FX and debt positions from one treasury platform
Strengths & considerations
Strengths
- Offers a lighter-weight Bank Connector tier for ERP-to-bank file and API connectivity, distinct from its fuller Payment Hub and Treasury Modules
- Named, dedicated connectors for cloud ERPs including a NetSuite SuiteApp, Microsoft Dynamics 365 Business Central, and SAP S/4HANA
- Backed by Corpay (NYSE: CPAY) following the 2023 acquisition by Alpha Group and 2025 integration into Corpay Cross-Border Solutions
- ISO 27001 (BSI-certified), SOC 2 Type II and ISAE 3402 independently audited security posture
ERP integrations
Automated payment file and CAMT.053 statement exchange
Listed as Microsoft Finance & Operations on the Cobase site
Pricing
Pricing is not publicly published on the Cobase site. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- SaaS
- Compliance
- ISO 27001, SOC 2, ISAE 3402
About the vendor
- Founded
- 2016
- Headquarters
- Amsterdam, Netherlands
- Ownership
- Subsidiary of Corpay, Inc. (NYSE: CPAY)
Alternatives to Cobase in Bank Connectivity
Cobase — frequently asked questions
Which ERPs does Cobase have dedicated connectors for?
Cobase offers dedicated connectors for cloud ERPs including Oracle NetSuite (via a SuiteApp), Microsoft Dynamics 365 Business Central, and SAP S/4HANA, plus broader support for other ERPs via SFTP or API.
What is the difference between the Cobase Bank Connector and Payment Hub?
The Bank Connector is the lighter offering for companies that just need automated bank statement and payment-file connectivity from their ERP. The Payment Hub adds a centralized payment dashboard, approval workflows, manual payment entry and fraud controls for companies needing broader cash and payment management.
Who owns Cobase?
Cobase was founded in 2016 and incubated within ING Bank. It was acquired by Alpha Group in 2023, which was integrated into Corpay Cross-Border Solutions (part of Corpay, Inc., NYSE: CPAY) in 2025.
Is Cobase independently security-certified?
Yes. Cobase holds ISO 27001 certification (via BSI), SOC 2 Type II, and ISAE 3402 attestations, and stores data in EU-based Microsoft Azure data centers.
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