What Tipco does

Nomentia (operating in Austria under the Tipco entity profile) is a European corporate treasury software company that delivers a modular cloud platform, branded the Smart Treasury Suite, covering cash and liquidity management, payments, bank connectivity, fraud prevention, cash flow forecasting, risk management, and treasury optimization. The platform integrates with 10,000+ banks, enterprise resource planning systems, and payment networks, and is an official SWIFT Business Connect partner with KYC-SA Independent Assessment Support, which lets treasury teams access messaging and reference data directly from the suite. Customers configure the platform à la carte and run it on multi-bank, multi-entity, multi-currency setups designed to centralise treasury master data across European operating entities.

The company's primary customers are corporate treasury and finance teams at European mid-market and large enterprises, with documented references spanning manufacturing (Makita, Stihl, KONE, Hochtief, Heidelberg), mobility (Lufthansa, Porsche), retail/FMCG (REWE), healthcare (Alexianer), industrial services (Brita, Sweco), and process industries (Valmet). Nomentia reports 1,400+ customer success stories and supports these accounts through eight directly-staffed offices in Espoo, Stockholm, Amsterdam, Frankfurt, Munich, Vienna, Warsaw, and London, providing local-language sales, implementation, and support.

The business model is enterprise subscription SaaS sold via direct, consultative field sales with quote-based pricing tied to modules, transaction volumes, banks, entities, and users. Implementation and treasury consulting are bundled or sold alongside subscriptions, and recurring revenue is reinforced by multi-year contracts and deep integrations that elevate switching costs. SOC 2 Type 2 and ISO 27001 certifications, along with compliance modules covering SEPA, PSD2, sanctions screening, and payment screening, position the offering for regulated European enterprise buyers.

Name

Tipco

Legal name

Nomentia Oy

Website

https://tipco.at

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

Nomentia (Tipco in Austria) provides a modular cloud-based Smart Treasury Suite covering cash management, payments, bank connectivity, fraud prevention, forecasting, and risk management for European corporate treasury and finance teams, integrated with 10,000+ banks, ERPs, and SWIFT.

Ownership category

akta.pro rank

Product category

Treasury Management Software

SIC

Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

Treasury, Cash Management & Liquidity Tools (Sweeps, Cash Concentration) (FSAGAAAG)

akta.pro secondary industries

Corporate Cash Management & Treasury Services (FSAMAOAA), Robo-Advice for Institutional/Treasury (OCIO-lite, Cash & Liquidity) (FSAGAEAJ)

Keywords

• Treasury management software
• Liquidity planning
• Cash management
• Payment processing
• Financial risk management

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices8 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Software Licensing and Subscription: Enterprise treasury management software sold as modular subscriptions. Customers select solutions aligned with their priorities and build from there as requirements evolve. Implementation and professional services are provided alongside the software.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Tipco delivers smart solutions that improve liquidity planning, financial status visibility, and risk management for corporate finance and treasury teams. The offering is delivered as a modular treasury management software platform that centralises bank connectivity, payment processing, cash and liquidity forecasting, and operational risk controls across multiple entities, banks, and currencies.

Product overview

Nomentia offers a modular Smart Treasury Suite platform consisting of five interconnected modules: Connect (bank connectivity and ERP integrations), Pay (payment processing and fraud prevention), Forecast (liquidity and cash management), Control (risk management and treasury operations), and Optimise (intercompany netting and performance tracking). The platform integrates with 10,000+ banks, ERPs, and payment systems to provide end-to-end treasury and cash management capabilities for enterprise finance teams.

Differentiator

Problem solved

Functional benefit

Products and services

• Smart Treasury Suite Modular software platform for corporate treasury and finance teams providing visibility, control, and predictability across payments, cash, liquidity, and risk; integrates with ERPs, banks, and payment systems.
• Connect Module Provides 10,000+ bank connections, ERP integrations, APIs and Data Feeds, Master Data Management, and Reporting & Analytics for centralised and structured treasury data flows.
• Pay Module Centralises payments and offers payment fraud prevention, sanctions screening, trade finance, and accounts receivable automation for safe and efficient payment operations.
• Forecast Module Liquidity visibility covering liquidity management, working capital analysis, multi-currency cash pooling, in-house bank, and daily cash management to support funding decisions.
• Control Module Treasury operations automation, risk management, automated workflows, and audit trail with role-based access controls for treasury oversight.
• Optimise Module Provides intercompany netting, performance and KPIs, reconciliation, debt and deposits tracking, and automated policy limits compliance.
• SWIFT Business Connect SWIFT connectivity offering for secure banking transactions and compliance support, including SWIFT KYC-SA independent assessment support via partnership with Prosecom.

Quantifiable outcome

• 98% customer satisfaction rating with excellent feedback

Named customers12 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature8 records

Partnerships

Two partnerships are on record, tiered core and flagship.

• SWIFTcoreTechnology or IntegrationNomentia integrates with SWIFT Business Connect for secure banking transactions. The partnership provides independent SWIFT KYC-SA assessments and supports customers in meeting SWIFT compliance requirements.
• ProsecomflagshipStrategic or Co-development PartnerNomentia and Prosecom have strengthened their partnership to expand SWIFT KYC-SA independent assessment support. The enhanced partnership provides independent SWIFT KYC-SA assessments for customers.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• HighRadius: AI-driven order-to-cash and treasury automation platform. Partial overlap with Nomentia's Forecast, Pay, and AR automation modules; primarily targets mid-market and large North American enterprises.

Broad incumbents

• FIS Treasury Management: FIS (formerly SunGard) treasury and risk management solutions sit within a broad financial software portfolio. Competes with Nomentia in cash management, FX, and bank connectivity at large enterprises, particularly in financial institutions.
• Bottomline Technologies: Payments and treasury-focused software vendor offering cash management, payments, and fraud solutions. Overlaps with Nomentia's Pay and Connect modules, especially in US and UK enterprise segments.
• SAP Treasury Management (S/4HANA Finance): ERP-embedded treasury and cash management functionality bundled into SAP's core ERP suites. Competes indirectly with Nomentia when large SAP customers adopt bundled treasury over a best-of-breed TMS.
• Oracle Treasury (Fusion ERP): Treasury management capabilities inside Oracle Fusion Cloud ERP. Provides direct competition to Nomentia at Oracle enterprise accounts where single-vendor procurement favors bundled treasury modules.
• Coupa Treasury (Coupa Software): Coupa's treasury and cash management capabilities sit inside its broader business spend management platform. Adjacent competitor when enterprises adopt Coupa for procurement/AP and extend into treasury use cases.

Direct peers

• Cashforce: Belgian cash forecasting and working capital analytics vendor. Direct European peer with overlapping liquidity forecasting, cash pooling, and short-term forecasting use cases targeted at corporate treasuries.
• TIS (Treasury Intelligence Solutions): Germany-based cloud TMS vendor focused on European corporates; overlaps with Nomentia on bank connectivity, payments, and liquidity forecasting for mid-market and enterprise treasury teams.
• GTreasury: US-based SaaS treasury and risk management platform serving enterprise treasuries; competes with Nomentia on cash visibility, payments, bank connectivity, and FX/risk modules, though primarily North American in customer base.
• Kyriba: Largest independent cloud treasury management software vendor, headquartered in San Diego with strong EMEA presence. Competes directly with Nomentia across cash management, payments, liquidity, and risk modules for mid-market and enterprise treasuries.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Tipco