Cash visibility across every bank
Balances and transactions from every account, refreshed through direct bank APIs every fifteen minutes. Converted to your reporting currency at the live rate.
Run your treasury on one ledger
Keel connects every bank account, currency and payment rail your company uses. Finance gets a live cash position, global payouts with real controls, and reconciliation that closes itself.
Finance teams at 1,400 companies move $38 billion a year through Keel
- Halvorsen
- BRIGHTLINE
- ostara
- calder/finch
- Meridian Foods
- PARALLEL
One system for the money your company already has
Keel sits on top of your existing banks. Nothing moves until you say so, and every action is recorded.
Payouts in 42 currencies
Pay suppliers over ACH, wire, SEPA, Faster Payments and Zengin from one screen, with the FX rate locked before you send.
Reconciliation that closes itself
Keel matches bank lines to ERP entries as they post. Your team reviews the exceptions, not the whole statement.
Approvals and controls auditors like
Write payment policies the way your board wrote them. Dual control, limits by entity and rail, and an audit trail that exports in one click.
See the next 13 weeks before they happen
Keel builds a rolling forecast from your receivables, payables and payroll calendar. Change an assumption and the whole quarter redraws.
Scenario
- Open receivables
- 1,284 invoices · $71.4M
- Scheduled payables
- 312 bills · $27.9M
- Payroll
- Biweekly, next Oct 17
- Last synced
- NetSuite, 4 min ago
- Ending cash, week 13
- $54.9M
- Lowest point
- $46.2M wk 6
- Weeks under buffer
- 0
Measured in days given back to finance
- Annual payment volume
- $38B
- Bank connections
- 14,000+
- Transactions matched automatically
- 98.6%
- Faster month-end close, median
- 4.2 days
We had nineteen bank portals and a spreadsheet nobody trusted. Now the cash position is the first tab I open, and close went from nine days to four.
Our auditors asked for every payment over $250,000 and who approved it. That used to be a week of emails. With Keel it was one export.
Built for the scrutiny money deserves
Keel is software, not a bank. Your funds stay at your banks, and we hold ourselves to the standards they audit us against.
SOC 2 Type II and ISO 27001
Audited annually by an independent firm. Reports available under NDA.
SSO, SCIM and hardware keys
SAML with Okta, Entra ID and Google. Payment approval can require a FIDO2 key.
Encrypted, segregated, residency-aware
AES-256 at rest, TLS 1.3 in transit. Data stays in the US or the EU, your choice.
Immutable audit log
Every login, policy change and payment, signed and retained for seven years.
SOC 2 Type IIAudited Aug 2026
ISO 27001Certified
PCI DSSLevel 1 provider
GDPRDPA and SCCs
Connects to the systems you close the books in
Two-way sync with your ERP, so payments and matched transactions post themselves. Everything in the app is also in the API.
- NetSuite
- SAP S/4HANA
- Dynamics 365
- Sage Intacct
- Workday
- Snowflake
- Slack
- Okta
POST /v2/payments
import Keel from "@keel/node";
const keel = new Keel(process.env.KEEL_API_KEY);
const payment = await keel.payments.create({
from_account: "acct_9f2KxQ4021",
amount: 61240000, // $612,400.00, in cents
currency: "USD",
rail: "wire",
counterparty: "cp_arcadia_steel",
approval_policy: "treasury_dual_control",
});
console.log(payment.status); // "awaiting_approval"import os
import keel
client = keel.Client(api_key=os.environ["KEEL_API_KEY"])
payment = client.payments.create(
from_account="acct_9f2KxQ4021",
amount=61_240_000, # $612,400.00, in cents
currency="USD",
rail="wire",
counterparty="cp_arcadia_steel",
approval_policy="treasury_dual_control",
)
print(payment.status) # awaiting_approvalcurl https://api.keel.com/v2/payments \
-H "Authorization: Bearer $KEEL_API_KEY" \
-H "Idempotency-Key: 6c1f0a9e-2b7d-4e58" \
-d from_account=acct_9f2KxQ4021 \
-d amount=61240000 \
-d currency=USD \
-d rail=wire \
-d counterparty=cp_arcadia_steel \
-d approval_policy=treasury_dual_controlPriced per platform, not per payment
No per-transaction fees on ACH or SEPA. Wires at your bank's cost. FX at 0.15% over mid-market.
Growth
For companies with one entity and up to 25 accounts.
$990/ month
Billed annually, $11,880
Start a 30-day pilot- Up to 25 bank accounts
- Live cash dashboard and statements
- ACH, wire and SEPA payouts
- Two-step approvals
- NetSuite and QuickBooks sync
- Email support, next business day
Scale
Most teams choose thisFor multi-entity finance teams moving money across borders.
$2,820/ month
Billed annually, $33,840
Book a demo- Everything in Growth
- Unlimited accounts and entities
- Payouts in 42 currencies
- 13-week forecasting
- Automatic reconciliation
- Custom approval policies, SSO and SCIM
- Named customer success manager
Enterprise
For groups with complex banking, regulators and auditors.
Custom
Annual agreement
Talk to sales- Everything in Scale
- SWIFT and host-to-host connectivity
- US or EU data residency
- 99.99% uptime SLA
- Custom roles and audit exports
- Dedicated implementation team
- 24/7 phone support
Questions finance leaders ask us
Something else? Talk to our team.
No. Keel is software. Your money stays in the accounts you already have. When you make a payment, Keel instructs your bank directly through its API, over SWIFT, or with a host-to-host file, after your approval policy is met.
More than 14,000 institutions in 38 countries. We use direct bank APIs where they exist, SWIFT MT940 and MT942 statements for global banks, and secure aggregators for smaller regional banks.
The median is three weeks from signature to first payment. Read-only visibility usually comes first, often within days, while your banks enable payment permissions.
Yes. Many teams connect read-only, run Keel alongside their current process for a month, and turn on payments once they trust the numbers.
Keel syncs both ways with NetSuite, SAP S/4HANA, Dynamics 365 and Sage Intacct. Bills flow in for payment, and matched bank transactions post back with the right GL codes.
Nothing on top of your plan for ACH and SEPA. Wires cost whatever your bank charges. Cross-currency payments carry 0.15% over the mid-market rate, shown before you send.
Only the people your policies allow. Roles are scoped by entity, account and action, and no one can approve a payment they created.
See your whole cash position by Friday
Connect your banks read-only in an afternoon. A treasury specialist will walk your team through it.