Trovata connects bank data with cash reporting, forecasting, payment workflows and treasury accounting. Treasury teams can consolidate balances across banks and entities, then connect that information to funding and risk decisions. Banks and investment partners supply the underlying financial services.[4][3]
Unusually for enterprise treasury infrastructure, Trovata displays specific base-plan prices and usage limits. Its pricing page lists US$24,000 annually for one bank and defined account, transaction and user limits, while a separate sales quote page says base pricing can start at US$25,000. These figures are inconsistent, so neither should be presented as a binding offer without a current quotation.[1][2]
Services and customers
Sections ↑Treasury products and data roles
| Product | Main function | Where separate scope matters |
|---|---|---|
| Trovata Cash | Centralised bank balances, transactions, reporting and cash visibility. | Bank connections, account permissions and historical data access.Source 4 |
| Trovata TMS | Broader treasury workflows, management and forecasting. | Products, additional modules and implementation quotation.Source 3 |
| MultiBank Connector | Embedded customer bank connections and normalised data delivery through an SDK and APIs. | Consent, supported bank formats and the destination application’s data rights.Source 11 |
| Trovata Bank Pro | Bank-focused treasury experience and managed client service concepts. | Contract entity and bank product eligibility.Source 8 |
Bank connectivity is the foundation of the product. By centralising account and transaction data, a treasury can compare available cash across bank partners, but reporting at one point in time is not a guarantee that a particular transfer has irrevocably settled or that a bank’s intraday balance is available for new payments.[4][5]
TMS covers cash positioning and forecasting, debt and investments, FX exposure and hedge workflows, bank-account administration, payment approvals and accounting exports. It can be used independently of Trovata Cash. The configured product supports scheduled or triggered AI tasks within role-based permissions and logged workflow boundaries.[3]
Platforms, connectivity and integrations
Sections ↑Bank and ERP integration
| Component | Published implementation | Implementation question |
|---|---|---|
| Managed bank links | Trovata connects banks using supported APIs, SWIFT and managed file formats where applicable. | Each bank’s feed type, refresh schedule and customer access consent.Source 5 |
| Account/transaction store | Bank transactions normalised in one workspace. | Cut-off, duplicate detection, retention and source reconciliation.Source 4 |
| ERP links | Vendor describes interfaces with common enterprise accounting systems. | Mapping chart of accounts and journal export accuracy.Source 5 |
| User controls | Base plan allows role-defined ten-user access. | Segregation of duties, exports and service accounts.Source 1 |
MultiBank Connector retains original bank reporting formats alongside normalised records, providing a source trail for reconciliation. Its documented inputs include bank API JSON, ISO 20022/CAMT, MT940 and BAI2. Customer consent is collected in the connection experience; integrations can retrieve balances and transactions or support eligible payment workflows.[11]
The privacy and subprocessor arrangement is important because financial data flows through vendor and cloud-service infrastructure. The published subprocessor list identifies supporting vendors; it does not replace the bank account holder’s review of contractual data processing, retention, geographic region and access limitations.[6]
Pricing, fees and commercial terms
Sections ↑Published base package and quoting differences
| Element | Published amount or limit | Qualification |
|---|---|---|
| Base annual price | $24,000/year on main pricing page. | Quote page separately says base can start at $25,000; obtain binding offer.Source 1 |
| Connected banks | 1 bank included. | Further banks may cost extra.Source 1 |
| Accounts | Up to 100 accounts. | Additional accounts priced case-by-case.Source 1 |
| Transactions | 1,000,000 in the base specification. | Main page describes transaction storage; quote page describes up to one million per year. The order form must resolve that difference.Source 1Source 2 |
| Users | 10 users with role controls. | Further licences may cost extra.Source 1 |
| Full TMS and support | Beyond base, custom quote. | Additional modules and dedicated support not presumed included.Source 2 |
Bank Pro has a separate commercial model: eligible commercial-bank clients can start with one bank’s data free and pay for premium functionality or additional banks. A branded bank partner uses dedicated infrastructure and shares premium revenue; a sponsored partner offers the Trovata-branded service without bank licence or implementation fees. These terms do not make the direct enterprise base plan free.[8]
The August 2026 SaaS terms give the order form priority and provide renewal for an equal term unless either party gives notice at least 60 days before expiry.[10]
Implementation and operating requirements
Sections ↑Start with bank-account inventory and treasury use cases, then connect one bank’s feeds and verify daily opening, closing and transaction balances against the bank’s own statements. Testing should include weekends, bank holidays, delayed files, rejected data credentials and changes in account ownership.[4][5]
The payment-approval setup deserves particular attention. Clause 2.5 of the August 2026 agreement says instructions sent through Payments Services are acted on by the bank without regard to approval procedures configured directly with that bank. Customers must establish their approval thresholds and process inside Trovata’s Payments Services before using it.[10]
Support, complaints and incident response
Sections ↑Published standard support policy
| Item | Scope |
|---|---|
| Routine service | Email and in-app support, Monday–Friday 9am–5pm Pacific Time, excluding public holidays.Source 9 |
| Outside business hours | Response on the next business day, or earlier at Trovata’s discretion.Source 9 |
| Severity 1 incidents | Response and remediation efforts within 24 hours of notice, with engineering triage and a dedicated communication contact.Source 9 |
| Disaster recovery | Response/remediation efforts within 24 hours; restoration begins when a safe path is identified.Source 9 |
The base package advertises three to five hours of live training and unlimited in-app technical support. Dedicated support, additional training and custom configuration are separately scoped. The standard support policy requires an active agreement, current fees and compliance with contractual obligations.[1][9]
Published contact routes
Regulatory permissions and entity scope
Sections ↑The SaaS agreement states that Trovata does not supply regulated financial services under that contract. Investment partners provide their own services under separate customer terms, and Trovata may receive partner compensation. Bank access and payment authority remain subject to the relevant account and workflow arrangements.[10]
Treasury permissions should distinguish viewing, configuration and payment release. User access and approval thresholds need to match the customer’s documented authority matrix, including service accounts and staff changes.[1][5]
Company background and contracting identity
Sections ↑Trovata is based in the United States and sells bank-data connectivity and cloud treasury management internationally. Its products have evolved from cash visibility towards broader TMS workflows, while the bank connection service remains a core enabling layer.[7][3]
The August 2026 agreement also describes access to USDP through a separate Paxos account. It says on-chain transfers are not supported through this service. Optional rewards are discretionary benefits, not entitlement to interest on stablecoin reserves.[10]
- Operator
- Trovata, Inc., a Delaware corporation.
- Service scope
- Cloud treasury-management and bank-data aggregation platform for cash visibility, reconciliation, analytics, forecasting and enterprise treasury workflows. It does not itself establish bank deposit accounts or grant FX dealing authorisation.
- Customer types
- Corporate treasury departments; Bank and financial institution treasury; Financial operations teams; Cash management users; Mid-market and multinational businesses
- Delivery
- SaaS; API; Managed service
- Pricing publication
- Public and quoted pricing
- Headquarters
- San Diego, California, United States
- Platforms
- Trovata Cash; Trovata TMS; MultiBank Connector; Trovata Bank Pro
- Integrations
- Bank account feeds; Treasury ERP systems; SWIFT and SFTP bank statements; Bank APIs
- Pricing scope
- Published Trovata pricing page displays a US$24,000/year base package: 1 bank, 100 accounts, 1,000,000 transactions and 10 users. A separate quote page refers to base pricing as low as US$25,000; this discrepancy is explicit and a dated firm quote should govern. Full TMS/add-ons are separately quoted.
- Implementation
- Cloud-based onboarding combines managed bank feed links, account data reconciliation, user permissions and optional ERP/TMS data. Providers of bank data and connectivity require eligibility approval; manual files and API interfaces vary by bank. Time to value depends on number and type of integrations.
- Support
- The published standard policy provides email and in-app support Monday–Friday, 9am–5pm Pacific Time, excluding holidays. Severity 1 and disaster-recovery response/remediation efforts start within 24 hours of notice; this is not a resolution guarantee. Dedicated coverage may be separately agreed.
- Permissions and regulatory scope
- Treasury software is not an insured deposit-taking bank or a licensed broker merely because it reports transactions and may interface with payments. Customer controls, banking permissions and access to proprietary financial data remain outside the licence of a SaaS analytics subscription.
Provider metadata checked 22 Oct 2026Source 1Source 2Source 3Source 4Source 5Source 6Source 7Source 8Source 9Source 10Source 11
Additional Information
Sections ↑For purchasing diligence, request a sample cash-position reconciliation, per-bank API/feed matrix, historic data availability, duplicate-handling specification, export format, exact user permissions, support escalation and invoice incorporating additional accounts and TMS modules. A bank dashboard without a verified transaction ledger is insufficient for an operational treasury.[4][5][1]
Sources & further reading
- Trovata official pricing and base-package limits Trovata · Accessed 29 Oct 2026
- Trovata pricing-quote page with $25k benchmark Trovata · Accessed 29 Oct 2026
- Trovata TMS full treasury management platform Trovata · Accessed 29 Oct 2026
- Trovata Cash bank connectivity and visibility Trovata · Accessed 22 Oct 2026
- Product and managed bank-feed overview Trovata · Accessed 22 Oct 2026
- Current listed subprocessors Trovata · Accessed 22 Oct 2026
- Company and business overview Trovata · Accessed 22 Oct 2026
- Trovata Bank Pro description Trovata · Accessed 29 Oct 2026
- Published standard support policy Trovata · Accessed 29 Oct 2026
- SaaS services agreement, August 2026 revision Trovata · Accessed 29 Oct 2026
- MultiBank Connector SDK and managed connectivity Trovata · Accessed 29 Oct 2026
This profile reports dated public information, including provider-published services and terms. It does not independently test or guarantee service delivery, integrations or performance. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.