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Differences between Commercial and Treasury

In Commercial, you define what you can do with your transactions. In Treasury, you define what you can do and how you manage transactions. Since Treasury is part of UUX, users will employ the same user management, payment workflows, and template workflow they use in Commercial. The Treasury entitlement structure allows the separation of duties and the ability to designate specific account numbers to specific transactions such as ACH Payroll.

Treasury is the best solution for companies that need to:

Manage users with different levels of responsibility
Generate reports with transaction information
Validate ABA routing numbers

These features make Treasury a more efficient and powerful choice for large Commercial users with a large number of transactions.

Entitlements help different users handle transactions, while users can generate reports that contain specific financial data. Treasury users can also validate the ABA routing number in recipient records for use in ACH or Wire payments, which will reduce errors and returns. Below is a comparison of Treasury and Commercial functions:

Treasury and Commercial functions
Functionality	Commercial	Treasury
User Management	X	X
Transaction Types	X	X
Account Numbers permitted to Transaction Types		X
Approval Limits	X	X
Draft Limits		X
User Roles		X
Company Policy		X
Activity Center	X	X
RTN Validation		X
Dual Action for financial transactions	X
Multiple Approvals of financial transactions		X
Dual Approval of non-financial actions (such as creating a user)		X
Information Reporting		X
Permission, Limits, and View Rights for User Roles		X
Third-party service application (also known as SSO) access based on User Roles	X	X
Entitlements (such as IP addresses and subsidiaries, etc.) tied to specific Account Numbers in Policy Rules		X