Embat AI features, pricing and GDPR (October 2026)

Embat is a treasury management system from Madrid for midsize and large companies that consolidates cash across banks and entities, reconciles bank and payment provider transactions, runs payments and uses the TellMe AI agent for matching, forecasting and suggested entries.

Embat offers nine modules across connectivity with more than 15,000 financial institutions and ERPs, treasury management with cash flow and intercompany operations, cash accounting with bank and payment provider reconciliation, and corporate payments with approval flows. It connects to NetSuite, SAP S/4HANA, Microsoft Dynamics 365 and Sage 200, to Stripe, Adyen and PayPal, and to Slack and Teams. Embat is headquartered in Madrid, with offices in London, Berlin and Munich, and names customers such as Fever, Wallapop and Treatwell.

• Matches and reconciles transactionsTellMe matches bank and payment provider transactions with open items and reconciles accounts automatically. Accounting spends less time on manual matching, which shortens the month-end close. Fewer open items remain when the books are closed.
• Supports cash forecastingTellMe supports cash forecasting and analytics on consolidated bank data across entities. Treasury gets an updated view of future liquidity without collecting balances from each bank. The forecast becomes a working tool for liquidity decisions rather than a monthly exercise.
• Suggests entries and predicts riskTellMe proposes accounting entries for bank movements and, as an add-on, predicts risks in finance processes. Bookkeepers confirm suggested entries instead of booking each movement by hand. This supports the internal control system without adding manual review steps.

• Combines treasury with bank and payment provider reconciliation, including Stripe, Adyen and PayPal.
• The security page lists ISO/IEC 27001:2022 and SOC 2 Type II and describes measures for GDPR, DORA and PSD2 bank access.
• Offices in Berlin and Munich next to Madrid and London.

Embat is headquartered in Madrid, with further offices in London, Berlin and Munich.

Ask which modules and optional upgrades your quote contains, since the pricing page lists TellMe AI as an optional upgrade. Check the ERP connector, especially for SAP or DATEV-based accounting, the bank connections for your banks and the payment approval workflow with OTP signatures for dual control. Request the data processing agreement, the Google Cloud region and the sub-processor list.

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