Commercial Banking

  1. Digital Banking
  2. Commercial Banking

Configurable commercial banking on one mobile-enabled platform

Q2’s commercial banking platform gives banks and credit unions one configurable, extensible, mobile-enabled system for serving businesses of all sizes. Datos Insights named Q2 a market leader in its U.S. Cash Management Technology Providers Matrix.

See it in action

Commercial banking capabilities built for every industry

Whether they’re in manufacturing, healthcare, real estate, or any other industry, businesses today are focused on doing more with less—less labor, less time, and less waste—and they need the same from their banking relationships. 

Tailored experiences

Make each commercial client feel like your most important one by targeting market segments with financial services built for its unique needs. 

Payments from A to Z

Payments are a critical aspect of any business. Q2 digital banking software enables you to provide secure, reliable payment options, from ACH to instant payments. 

Integration that drives efficiency

Streamline accounting processes by seamlessly integrating your digital banking platform with your commercial clients’ accounting systems.  

Tailored test drives

How can commercial prospects try your banking capabilities before they buy?
See how

It’s more than a demo. It’s a real-life experience.

With Q2 Interactive Test Drive, your commercial clients and prospects can try out new banking capabilities in a mock-up of their own environment. Put them in the driver’s seat and let your business banking products and services sell themselves.

Unlike standard demos, this tailored experience offers an efficient, authentic, and compelling view of what your commercial prospects can expect from your institution. It demonstrates real-world situations, allowing companies to see firsthand what you can do for them—and giving you the opportunity to customize each experience to fit the prospect’s unique business.

Treasury onboarding transformed

Create efficiencies with seamless process flow 

Treasury onboarding at most financial institutions relies on manual processes that delay revenue and frustrate clients. Q2 Treasury Fulfillment automates service setup, data capture, and provisioning so new commercial clients go live faster.

See how

Positive pay

Automated check and ACH fraud prevention with Q2 Positive Pay

Companies of all sizes continue to battle check fraud, and many are looking to their financial institution to help. With Q2 Positive Pay, your commercial clients have a powerful tool to validate payment-related information, manage exceptions, and create custom reports. 

See how

Instant payments

How do instant payments over RTP and FedNow work for businesses?

With Q2 Instant Payments Manager, businesses can take advantage of the robust messaging capabilities provided by RTP and FedNow instant payments networks.

Even more valuable than the ability to send and receive payments in real time, at any time, instant payments enable remittance information to travel with the payment throughout the payment life cycle, streamlining accounts payable/accounts receivable processes. 

See how
instant-payments

Every payment type for every need

Meet your commercial clients’ payment needs no matter what they are, whether it’s advanced ACH or wire capabilities for paying suppliers or paying taxes, or it’s cross-border money movement to support international business interests. 

See how
payment-type-every-need

How do you control which users can access which accounts?

Q2's entitlements capability lets financial institutions set access and approval permissions by user role, so each person at a commercial client sees only the accounts and information their job requires.

commercial-overview-5

Information your customers can act on

By understanding the banking data at their fingertips, the businesses you serve have better control of their finances. Q2 Information Reporting provides easy-to-understand reports on all activity within their accounts. 

ERP integration and direct payables

Integration creates efficiency

For most mid-size to large companies, the labor-intensive, manual process of reconciling accounting systems within the digital banking platform is inefficient.

You can remove that burden by seamlessly integrating businesses’ digital banking platform with their ERP accounting systems, as well as providing direct payables and reports via API or file exchange. The Q2 Digital Banking Platform is compatible with leading ERP providers, including Oracle NetSuite, SAP, and more.  

See how

Smarter customer support

Give your support teams an AI-powered way to work more efficiently and deliver better service. The Customer Care Agent within Q2 Assistant for Digital Banking helps financial institution employees quickly find answers, resolve issues, and support account holders from within Q2 Console—helping reduce research time and create a more seamless customer experience.

See how
CCA-Hero

Best-in-class cash management

“Q2’s proven success in moving upmarket with larger banks, as well as its consistency in attracting and retaining community and regional banks, demonstrates the value of a single platform equipped to serve consumer, business and corporate clients.”

Christine Barry
Leader of Strategic Initiatives, Research
Datos Insights

Market leader

Commercial

Q2 Named Market Leader in the 2024 U.S. Cash Management Report by Datos Insights

Read Report
Datos Cash Management Matrix_IG

Who we work with

  • synovus
  • texas-security
  • seacoast
  • citizens
  • first-united

FAQs

What is a commercial banking platform?

A commercial banking platform is the digital banking system a bank or credit union uses to serve business and corporate clients, covering payments, reporting, user entitlements, and treasury services. Q2 delivers those capabilities on one configurable, mobile-enabled platform so an institution can serve businesses of all sizes without running separate systems.

What payment types can banks offer commercial clients through Q2?

Q2 supports ACH, wires, and instant payments over the RTP and FedNow networks, along with cross-border money movement for clients with international operations. Q2 Instant Payments Manager also carries remittance information with the payment through the payment life cycle, which streamlines accounts payable and accounts receivable.

Which accounting and ERP systems does Q2 integrate with?

The Q2 Digital Banking Platform is compatible with leading ERP providers, including Oracle NetSuite and SAP. Financial institutions can deliver direct payables and reports to client accounting systems by API or file exchange, removing the manual reconciliation work that slows mid-size and large companies down.

How does Q2 speed up commercial treasury onboarding?

Q2 Treasury Fulfillment automates service setup, data capture, and provisioning, replacing the manual processes most financial institutions still use. That gets new commercial clients live faster and shortens the institution’s time to revenue.

How does Q2 help commercial clients prevent payment fraud?

Q2 Positive Pay lets commercial clients validate payment-related information, manage exceptions, and create custom reports to fight check and ACH fraud. Entitlements add a second layer of control by limiting account access and approvals to the right users.

Resources

See resources