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SAP Launches SAP Pay, Bringing Supplier Payments Inside Its Cloud ERP

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SAP has introduced SAP Pay, a built-in B2B payments service for SAP Cloud ERP that executes and auto-reconciles supplier payments once an invoice is approved. The service is run by Tereina, which SAP describes as a regulated payment provider founded in April 2026 and a wholly owned subsidiary. It supports traditional rails such as ACH, wire and real-time payments as well as USDC stablecoin transfers via Circle, with intelligent routing across more than 40 currencies. SAP says every transaction is screened for OFAC and KYC/AML compliance and that nothing moves without approval in the existing workflow. The service is generally available in the United States and United Kingdom, with pricing based on transaction volume and reported differences in how ownership and geographic eligibility are described publicly.

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