# Making Treasury Management Transactions

Treasury management (T/M) or Liquidity management refers to transactions where funds move between accounts controlled by the same entity. These are not payments to external parties, but internal transfers, funding movements, or FX conversions used to manage your business's liquidity.

## When to Select Treasury Management

You should mark a transaction as Treasury Management if:

- You’re moving funds between your own accounts
- You’re funding your account in a different currency for operational purposes
- You’re converting balances as part of your internal treasury strategy

## Required Documentation

To ensure compliance and avoid transaction rejections, each entity involved in a Treasury Management transaction must meet specific documentation requirements.

### For Non-Financial Entities

These entities must complete KYB with the following documents:

**Required:**

- Business Registration Document
- Shareholders Registry
- Tax Certificate
- Proof of Address
- Flow of Funds

For more details on the KYB process for non-financial entities, please read this [article](https://support.conduitpay.com/article/kyb-for-your-customers).

### For Financial Institutions (FIs)

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- Business Registration Document
- Shareholders Registry
- Bank Statement
- Balance Sheet
- Tax Certificate
- Anti-Money Laundering (AML) Policy
- Proof of Address
- Flow of Funds

Financial institutions are also required to complete an **attestation** confirming that they will only use their named bank account for their own treasury management — not on behalf of customers or third parties.

For more details on the KYB process, please read this [article](https://support.conduitpay.com/article/how-to-submit-kyb).

### Why documentation matters

Submitting the correct documents ensures your treasury transactions are processed without delay. Incomplete or missing KYB information may result in rejections or compliance reviews.

If you have questions about the documents required, please contact our support team.

## Frequently asked questions

### What type of supporting documentation do I need in order to send a payment?

To process a payment, you may need to provide one of the following:

- **Invoice**
- **Agreement/Contract**
- **Purchase Order**

Each document should include: **Description of Goods/Services** – Clearly outline the items, quantities, and prices.

**Parties Involved** – Names, addresses, and contact details of both buyer and seller.

**Payment Terms** – Payment amounts, due dates, and accepted methods.

**Signatures** – Required for agreements/contracts to formalize the transaction.

**Business Justification** – If the purpose is unclear, a signed statement explaining the transaction may be required.

[Read more](https://support.conduitpay.com/article/what-type-of-supporting-documentation-do-i-need-in-order-to-send-a-payment)

### What information can I get to track a payment with my beneficiary bank?

The information required to track a payment depends on the payment method used:

- **Domestic wires:** You will need the **IMAD** (Input Message Accountability Data) or **OMAD** (Output Message Accountability Data) reference. These unique identifiers are assigned to wire transfers within the U.S. financial system and help banks locate transactions in their system.
- **SWIFT payments:** You will need the **MT103** document, which serves as proof of payment in international wire transfers. This message contains details such as sender and beneficiary information, transaction reference, and timestamps.

[Read more](https://support.conduitpay.com/article/what-information-can-i-get-to-track-a-payment-with-my-beneficiary-bank)

### I invited a team member and they can’t log in. What should they do?

If a user you've invited is having trouble logging in after creating their account and sees a message like "Create your organization", they **should return to the invitation email** and log in using the link provided.

[Read more](https://support.conduitpay.com/article/i-invited-a-team-member-and-they-cant-log-in-what-should-they-do)

### What does the status of my payment mean?

**In Compliance Review:** Your payment is under compliance review.

**Processing Settlement:** Your payment is being prepared for settlement.

**Completed:** Your payment has been successfully sent.

**Rejected:** Your payment could not be processed.

If a payment remains in the same status for an extended period, please contact the Payment Ops team for assistance.

[Read more](https://support.conduitpay.com/article/what-does-the-status-of-my-payment-mean)