SAP Pay was Introduced with the core vision during SAP Connect event on October 6, 2026
What is SAP Pay?
SAP Pay is the out-of-the-box B2B payments solution embedded in SAP Cloud ERP and provided by Tereina, an SAP entity dedicated to providing payment services, with OFAC and KYC/AML screening applied to every transaction. This gives SAP Cloud ERP customers a built-in way to automate payment execution across traditional and digital currency rails, with no separate implementation project, bank testing, or manual file uploads. Because SAP Pay runs natively inside the ERP environment, finance teams can initiate and manage payments without leaving their existing SAP workflow.
Access every payment rail—traditional and digital—through a single connection, with payment automation, reconciliation, and a unified know-your-customer process that:
- Supports ACH, EFT, wire, check, and stablecoin payments like USD Coin (USDC).
- Auto-reconciles every payment to its originating purchase order (PO) or invoice.
- Covers 89 global corridors—no per-country bank setup required.
- Autonomously initiates and executes payments using AI agents.
SAP Pay powered by Tereina
Reduce payment costs and drive payment automation with embedded, agentic B2B payments across traditional and digital currency rails.
Key features
Multi-rail payment support—your payment, your option | SAP Pay supports fiat and digital currencies and many payment types. This includes real-time payments, alongside USDC stablecoin payments with native integration to Circle, and an intelligent routing to the optimal rail for each transaction across 40+ currencies—all from a single platform. |
Natively embedded in SAP S/4HANA | SAP Pay ships as an out-of-the-box capability inside SAP Cloud ERP, with secure bank communication handled via SAP Multi-Bank Connectivity. There’s no implementation project, no new vendor contract, and no custom code—customers activate it inside existing SAP workflow and it runs. |
Agentic payment execution | SAP Pay embeds payment execution into SAP now, the foundational step toward agentic payments. The AI agents that already support your finance team through Joule will soon trigger and execute payments, too, closing decision to execution in one flow. |
References
SAP Pay
Tereina
SAP Help Documentation
Security Guide & Setup Process
SAP Store – SAP Pay
Watch Demo – SAP Pay Stablecoin Payments
End-to-end demo of a stablecoin payment in SAP Cloud ERP The demo covers the payment of an open supplier invoice with SAP Pay as house bank: creation in the payment run, status tracking in the Payment Monitor, the transaction in the Tereina portal in USDC and USD, the on-chain transfer in the Circle wallet, the USDC wallet in SAP Short-Term Cash Positioning, and the end-of-day CAMT053 bank statement for posting. Payments are initiated, approved and reconciled in the standard SAP workflow, treasury sees the balance in its normal cash view, and settlement takes minutes instead of days.
FAQ
Is SAP Pay replacing SAP Multi-Bank Connectivity?
No, SAP Pay is using SAP Multi-Bank Connectivity for secure bank communication. SAP Pay provides customers another option to facilitate payments in addition to connecting to banks and payment service providers directly via SAP Multi-Bank Connectivity.
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