What do payment professionals often refer to as treasury payments?

Treasury payments refer to transactions that involve the management of a company’s cash flow, liquidity, and financial obligations. These payments are typically conducted at a larger scale and often entail significant sums of money, focusing on the treasury operations of financial institutions or large corporations. Wholesale financial institution transfers fit this definition well, as they involve the exchange of large sums between banks and other financial entities, reflecting sophisticated payment methods that require careful management and coordination.

In this context, wholesale transfers emphasize the role of financial institutions in managing treasury functions. These types of transactions are generally less frequent than retail payment transactions and can involve intricate processes such as settlement and reconciliation that are integral to treasury operations. The other options, while forms of payments, do not encapsulate the specific nature and scale of treasury payments that are emphasized in the financial setting. For instance, customer credit transfers and retail payment transactions generally pertain to smaller, consumer-facing transactions, while international remittances usually deal with cross-border payments rather than the treasury management focus seen in wholesale transfers.